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 around $250 a year, collision costs $470, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage 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 for individual coverage type:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population tend to have more infrequent collision claims than congested cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These examples demonstrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

More Rate Information

The chart below details estimated Ford Fusion insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $769
• Raising to $1,000 deductibles will save about $1,170 annually
• The average price for a 40-year-old driver using $500 deductibles is $1,334
• Buying low $100 deductibles costs an extra $318 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,900 or more
• The cost to insure a teen driver can be $5,118

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $490 every year, while buying higher liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $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 least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than the average rate. View High Risk Driver Rates

Where you live also has a big influence on Ford Fusion insurance prices. A middle-age driver might find rates 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 your exact price is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes 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 the Cheapest Ford Fusion Insurance

Saving money on car insurance consists of being a low-risk driver, maintaining a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a recap of the information raised in the charts and tables above.

• You may be able to save up to $160 per year simply by quoting early and online
• Teen drivers are the costliest to insure, with premiums as much as $427 per month if the policy includes full coverage
• Increasing deductibles could save as much as $475 each year
• Higher risk drivers that have major violations or accidents pay on average $1,570 more every year to insure their Fusion
• Policyholders who may need more liability coverage will pay around $500 every year to raise from a minimum limit to a 250/500 level

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.