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 with full coverage. Comprehensive costs an estimated $260 each year, collision costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,978. Teens pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

These rate differences demonstrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below details estimated Ford Fusion insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $787
• Choosing higher $1,000 deductibles can save approximately $172 annually
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,370
• Selecting low deductibles for comp and collision coverage will cost $1,704
• Higher-risk drivers with serious driving violations could pay up to $2,978 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost as much as $5,226 each year

View Chart as Image

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

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect 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 may be forking out $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $510 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates prices differently, so the prices will be substantially 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 Cheaper Ford Fusion Insurance

Finding better rates on insurance for a Ford Fusion takes avoiding accidents and claims, having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to compare rates at least once a year by requesting rates from direct companies, and also from several local insurance agents.

The points below are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,610 more annually to insure a Ford Fusion
• Increasing policy deductibles could save up to $500 each year
• Drivers under the age of 20 are charged the highest prices, possibly costing $436 per month including comprehensive and collision insurance

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.