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?”

Estimated insurance prices for a Ford Fusion are $1,230 every 12 months for full coverage. Comprehensive insurance costs an estimated $224, collision costs $388, and liability coverage costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing $2,666 or more. Teen drivers pay the most at $4,778 a year or more.

Average premium for full coverage: $1,230

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for different Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The price range example below illustrates the difference location can make on insurance prices.

These rate differences show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $719
• Using higher $1,000 deductibles will save approximately $140 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,230
• Choosing more expensive low deductibles for physical damage coverage costs an extra $268 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,666 or more
• An auto insurance policy to insure a teenage driver with full coverage can cost as much as $4,778 or more

View Chart as Image

Car insurance prices for a Ford Fusion also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing high deductibles could cut prices by as much as $410 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged at least $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance can be around 44% to 136% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see prices as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 Cheap Ford Fusion Insurance

Finding better rates on auto insurance requires being a good driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates at least once a year by getting rate quotes from direct carriers, and also from several local insurance agents.

The following list is a brief summary of the primary concepts that were touched on in this article.

• Drivers can save approximately $150 per year simply by shopping early and online
• Drivers that tend to have accidents or serious violations pay on average $1,440 more annually than a safer driver
• Increasing policy deductibles could save as much as $400 each year
• Drivers age 16 to 20 have the highest car insurance prices, as much as $398 per month if the policy includes full coverage

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.