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?”

The average insurance rates for a Ford Fusion are $1,334 a year with full coverage. Comprehensive costs an estimated $250, collision costs $470, and liability is estimated at $456. Liability-only coverage costs approximately $508 a year, with high-risk coverage costing around $2,900. Teen drivers cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,334

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below details estimated Ford Fusion insurance rates for other coverage scenarios.

• The lowest rate with discounts is $769
• Choosing higher $1,000 deductibles can save approximately $164 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,334
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,652
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,900 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,118 each year

View Chart as Image

Insurance rates for a Ford Fusion also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,800 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $490 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

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 Find the Best Ford Fusion Insurance

Finding cheaper rates on insurance for a Ford Fusion takes being safe and accident-free, having a good credit history, not filing small claims, and maximizing policy discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief recap of the information raised in the charts and tables above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Youthful drivers are expensive to insure, as much as $427 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,570 more annually than a low-risk driver
• Insureds who want more liability protection will pay about $500 every year to raise limits from a 30/60 limit to 250/500 limits

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.