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?”

The average insurance prices for a Ford Fusion are $1,370 every 12 months for full coverage insurance. Comprehensive costs an estimated $260, collision costs $500, and liability costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,978. Teens cost the most to insure at $5,226 a year or more.

Average premium for full coverage: $1,370

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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 illustrates estimated Ford Fusion insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $787
• Drivers who choose higher $1,000 deductibles will pay approximately $172 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,370
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,704
• Drivers with serious driving violations could pay up to $2,978 or more
• Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,226 a year

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Car insurance rates for a Ford Fusion also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,850 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every company calculates rates differently, so rate quotes will be varied.

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

Finding cheaper rates on insurance for a Ford Fusion not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The list below is a summary of the information touched on in the above illustrations.

• It is possible to save approximately $170 per year simply by shopping early and online
• Teenagers have the highest car insurance rates, possibly costing $436 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,610 more annually for car insurance
• Insureds who want higher liability limits will pay approximately $500 annually to go from a 30/60 limit to a 250/500 level

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.