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?”

U.S. average auto insurance rates for a Ford Fusion are $1,370 annually for full coverage. Comprehensive costs on average $260, collision costs $500, and liability is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,978. Teen drivers pay the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for all Fusion models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The example below illustrates the effect of geographic area on car insurance rates.

The ranges above show why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Additional Charts and Tables

The chart below shows estimated Ford Fusion insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $787
• Raising to $1,000 deductibles will save around $172 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,370
• Choosing pricier low deductibles will cost $1,704
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,978 or more
• The price with full coverage for a teen driver for full coverage may cost $5,226

View Chart as Image

Auto insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 in extra premium each year, depending on your age. Ford Fusion insurance for high-risk drivers is expensive and can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $510 every year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Ford Fusion insurance prices. A middle-age driver might find prices as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices may be quite different between companies.

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 the Best Cheap Ford Fusion Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a quick review of the data covered in the above illustrations.

• Policyholders who require higher liability limits will pay about $500 each year to raise from a low limit to higher 250/500 limits
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $500 each year
• Teenagers are charged the highest prices, with premiums as much as $436 a 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.