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 $1,334 annually for full coverage. Comprehensive insurance costs approximately $250, collision costs $470, and liability costs around $456. Liability-only coverage costs as low as $508 a year, with high-risk coverage costing $2,900 or more. Teen drivers pay the most at $5,118 a year or more.

Average premium for full coverage: $1,334

Premium estimates by type of coverage:

Price estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for all Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

These rate differences show why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows estimated Ford Fusion insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $769
• Using higher $1,000 deductibles will save $164 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,334
• Choosing pricier low deductibles for physical damage coverage costs an additional $318 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,900 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $5,118 or more

View Chart as Image

Insurance prices for a Ford Fusion also have a wide range based on the model of your Fusion, your driver profile, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,200 extra annually, depending on your age. Ford Fusion insurance for high-risk drivers can be from 43% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $490 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $411 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see prices as low as $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,900 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, 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 requires not taking risks behind the wheel, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting quotes from direct carriers, and also from several local insurance agents.

The following is a condensed summary of the material that was touched on in the above illustrations.

• Insureds who purchase higher liability limits will pay about $500 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Teens are expensive to insure, as much as $427 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,570 more per year for Fusion insurance
• Increasing policy deductibles could save up to $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.