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 rates for a Ford Fusion are $1,334 a year with full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $470, and liability coverage costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,900 or more. Teens receive the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects insurance prices.

These examples demonstrate why all drivers should compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $769
• Drivers who choose higher $1,000 deductibles will pay approximately $164 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,334
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $318 each year
• High-risk insureds with serious driving violations could pay up to $2,900 or more
• The cost for full coverage for a teenage driver can cost as much as $5,118 a year

View Chart as Image

Car insurance rates for a Ford Fusion can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with no driving violations and high deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged at least $5,100 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $490 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 43% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison and see how they stack up. Every company calculates rates differently, so rate quotes can be significantly different 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 Cheapest Ford Fusion Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at every policy renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a recap of the data raised in the charts and tables above.

• Consumers who want additional liability coverage will pay approximately $500 every year to go from a minimum limit to 250/500 limits
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing deductibles can save around $475 each year
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $427 per month if full coverage is included

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.