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 for full coverage insurance. Comprehensive costs on average $250 a year, collision insurance costs $470, and liability insurance is $456. Buying just liability costs around $508 a year, and insurance for high-risk drivers costs around $2,900. Teen drivers receive the highest rates at up to $5,118 a year.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on car insurance rates.

These examples illustrate why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on price 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 different risk profiles and scenarios.

• The lowest rate with discounts is $769
• Raising to $1,000 deductibles will save around $1,170 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,334
• Choosing low $100 deductibles will increase the cost to $1,652
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,900
• The cost for full coverage for a teen driver may cost $5,118

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,100 a year. View Rates by Age

Where you live also has a big influence on Ford Fusion insurance rates. A middle-age driver might find rates as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $490 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates

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

Saving money on Ford Fusion insurance consists of avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Make time to compare rates every couple of years by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The points below are a brief recap of the material that was touched on in this article.

• Drivers who require increased liability limits will pay about $500 annually to raise from a minimum limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, costing up to $427 per month if they have full coverage
• High-risk drivers who tend to receive serious violations pay an average of $1,570 more each year to insure a Ford Fusion
• Increasing deductibles can save around $475 each year

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.