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 prices for a Ford Fusion are $1,370 every 12 months with full coverage. Comprehensive costs approximately $260 each year, collision costs $500, and liability coverage costs around $452. Liability-only coverage costs as low as $504 a year, with high-risk coverage costing around $2,978. Teenage drivers pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance prices.

These rate differences demonstrate why all drivers should compare prices using their specific location and their own driving history, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $787
• Using higher $1,000 deductibles will save $172 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Using low deductibles for physical damage coverage increases the price to $1,704
• Higher-risk drivers who are prone to accidents and violations could pay around $2,978 or more
• An auto insurance policy to insure a teenage driver can cost $5,226 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $510 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $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 who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 the Cheapest Ford Fusion Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having good credit, being claim-free, and maximizing policy discounts. Make time to compare rates every other policy renewal by getting quotes from direct companies, and also from insurance agencies where you live.

The list below is a recap of the ideas that were touched on in this article.

• Teenagers are expensive to insure, possibly costing $436 per month if they have full coverage
• Drivers that have major violations or accidents could be forced to pay on average $1,610 more per year for car insurance
• Increasing policy deductibles could save as much as $500 each year
• You may be able to save around $170 per year simply 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.