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?”

Average insurance rates for a Ford Fusion are $1,334 a year with full coverage. Comprehensive insurance costs an estimated $250, collision costs $470, and liability costs around $456. Buying just liability costs as low as $508 a year, with insurance for high-risk drivers costing $2,900 or more. 16-year-old drivers receive the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Rate estimates broken down by individual coverage type:

Full coverage includes $500 physical damage deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than congested cities.

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

These examples demonstrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $769
• Using higher $1,000 deductibles will save approximately $164 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,334
• Buying pricier low deductibles for physical damage coverage will cost an extra $318 annually
• High-risk insureds with multiple tickets or accidents could pay up to $2,900 or more
• The cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,118 or more

View Chart as Image

Auto insurance rates for a Ford Fusion can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

A more mature driver with a good driving record and high deductibles may pay as low as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Where you live has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Utah, Ohio, and New Hampshire, or at least $1,800 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $490 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,200 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers can be from 43% to 134% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

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 Find More Affordable Ford Fusion Insurance

Saving money on insurance for a Ford Fusion requires being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting rate quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a summary of the material that was touched on in the above illustrations.

• Insureds who want higher levels of liability will pay around $500 every year to increase from a minimum limit to 250/500 limits
• Teenage drivers are the costliest to insure, with premiums as much as $427 per month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,570 more annually for auto insurance
• Increasing deductibles can save around $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.