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 auto insurance rates for a Ford Fusion are $1,370 annually for full coverage insurance. Comprehensive insurance costs an estimated $260, collision insurance costs $500, and liability costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $2,978 or more. 16-year-old drivers pay the most at up to $5,226 a year.

Average premium for full coverage: $1,370

Premium estimates broken down by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than congested cities. The price range example below illustrates how location impacts insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Information

The chart below illustrates average Ford Fusion insurance rates for other coverage scenarios.

• The best full coverage rate is $787
• Drivers who choose higher $1,000 deductibles will pay approximately $172 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,370
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $334 annually
• Drivers with multiple tickets or accidents could pay up to $2,978
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $5,226 a year

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Insurance prices for a Ford Fusion also have a wide range based on the model of your Fusion, your risk profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $510 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,850 on average in Florida, New York, and Michigan.

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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 Buy Cheaper Ford Fusion Insurance

Finding better rates on insurance for a Ford Fusion not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the data touched on above.

• Insureds who want higher liability limits will pay around $500 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save approximately $170 per year just by shopping early and online
• Increasing policy deductibles could save up to $500 each year
• Teenagers are expensive to insure, with premiums being up to $436 per month if they have 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.