Ford Fusion Insurance Rates

Average Ford Fusion car insurance rates amount to $1,492 a year for full coverage. This figure fluctuates based on a variety of factors such as the age, location, and driving record of the policyholder.

Another thing that impacts your individualized rate is the year and trim level of your vehicle. For example, 2014 Ford Fusion SE insurance rates are typically more expensive than 2007 Ford Fusion insurance rates or 2006 Ford Fusion insurance rates

In order to make Ford Fusion insurance easy to understand, we have prepared this comprehensive guide. The details contained in this article will help you on your way to securing an affordable Ford Fusion car insurance policy that you can feel confident about.

When you’re ready, read through the helpful information below and don’t forget to use our free online tool so you can finally answer the question, “Is the Ford Fusion expensive to insure?”

Average insurance prices for a Ford Fusion are $1,334 every 12 months with full coverage. Comprehensive insurance costs on average $250, collision costs $470, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $2,900 or more. 16-year-old drivers receive the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Prices are based on $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities.

The example below illustrates how location impacts car insurance rates.

These examples demonstrate why everyone should compare rates based on a specific location and their own driving history, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details estimated Ford Fusion insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $769
• Drivers who choose higher $1,000 deductibles will pay around $164 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,334
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $318 annually
• Drivers with multiple tickets or accidents could pay upwards of $2,900 or more
• The cost to insure a 16-year-old driver for full coverage may cost $5,118 a year

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Fusion.

Opting for high physical damage deductibles could save up to $490 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 additional per year, depending on your age. Ford Fusion insurance for high-risk drivers can cost from 43% to 134% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Affordable Ford Fusion Insurance

Saving money on insurance for a Ford Fusion not only requires being a safe and courteous driver, but also having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a brief review of the material that was touched on above.

• Insureds who require higher levels of liability will pay around $500 every year to go from a minimum limit to a 250/500 level
• Teenage drivers pay higher rates, with premiums as much as $427 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,570 more each year for auto insurance
• Increasing deductibles could save as much as $475 each year

You might have noticed that Ford Fusion car insurance companies consider a wide assortment of factors when providing customers with quotes. However, you can receive Ford Fusion quotes in real-time by using our free tool below.

What are the safety ratings of the Ford Fusion?

It’s important to consider the safety ratings of the Ford Fusion to get a good idea of where you might qualify for policy discounts. The ratings below show the breakdown of the crash test ratings for this model as determined by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: N/R

As you can see from the results, the Ford Fusion earned the highest mark possible in every category that was tested.

Ford Fusion Compared Against Other Vehicles in the Same Class

Classified as a midsize four-door sedan, the Ford Fusion is in the middle of the pack when it comes to curb weight. That can make it difficult to understand how to price out a fair insurance policy.

In order to see how the Ford Fusion’s insurance rates compare, take a look at these other similar models that belong in the same vehicle class.

• Hyundai Sonata
• Nissan Altima
• Volkswagen Passat

When it comes down to the figures, the IIHS reports that the Nissan Pathfinder has a bodily injury loss percentage of 25 percent and a property damage loss percentage of 13 percent. These figures are around the average for this vehicle class, making Ford Fusion insurance rates pretty standard.

Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Ford Fusion insurance quotes from multiple providers today.