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 insurance prices for a Ford Fusion are $1,370 every 12 months for full coverage insurance. Comprehensive insurance costs around $260 each year, collision insurance costs $500, and liability costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs $2,978 or more. 16-year-old drivers pay the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Price estimates for individual coverage:

Full coverage includes $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Fusion models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have more infrequent physical damage claims than congested cities. The graphic below illustrates the difference location can make on auto insurance rates.

The ranges above illustrate why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on rate averages.

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

More Rate Information

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

• The best full coverage rate is $787
• Using higher $1,000 deductibles will save about $172 each year
• The average price for the average middle-age driver using $500 deductibles is $1,370
• Buying low deductibles for physical damage coverage costs an extra $334 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,978
• The price to insure a 16-year-old driver can be $5,226 or more

View Chart as Image

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

Opting for high physical damage deductibles could cut prices by as much as $510 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

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 More Affordable Ford Fusion Insurance

Getting lower rates on insurance for a Ford Fusion requires having a good driving record, having good credit, not filing small claims, and dropping full coverage on older vehicles. Make time to compare rates every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the ideas that were touched on in this article.

• Drivers age 20 and younger pay higher prices, as much as $436 a month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,610 more every year to buy Ford Fusion insurance
• Increasing physical damage deductibles could save as much as $500 each year
• It is possible to save up to $170 per year just by quoting online in advance

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.