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 rates for a Ford Fusion are $1,370 a year with full coverage. Comprehensive costs around $260 a year, collision insurance costs $500, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,978. Teens pay the most at up to $5,226 a year.

Average premium for full coverage: $1,370

Premium estimates for type of coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are statistically proven to have lower incidents of collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance rates.

These rate differences demonstrate why it is important to get quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $787
• Choosing higher $1,000 deductibles can save about $1,198 annually
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,370
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,704
• High-risk insureds with serious driving violations could pay at least $2,978
• An auto insurance policy that insures a teen driver can be $5,226 each year

View Chart as Image

Auto insurance prices for a Ford Fusion also have a wide range based on the trim level of your Fusion, your age and driving habits, and deductibles and policy limits.

If you have a few violations or you caused an accident, you may be forking out at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

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 Cheapest Ford Fusion Insurance

Finding better rates on Ford Fusion insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and possibly raising deductibles. Compare rates every couple of years by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following items are a recap of the material that was touched on in this article.

• Drivers who may need additional liability coverage will pay approximately $500 every year to raise limits from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, possibly costing $436 per month if the policy includes full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,610 more every year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $500 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.