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 rates for a Ford Fusion are $1,370 a year for full coverage. Comprehensive costs around $260, collision insurance costs $500, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $2,978. 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:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different Fusion trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $787
• Drivers who choose higher $1,000 deductibles will pay about $172 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,370
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,704
• Drivers with multiple tickets or accidents could pay at least $2,978
• The price that insures a 16-year-old driver with full coverage can be $5,226 a year

View Chart as Image

Auto insurance prices for a Ford Fusion are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,600 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

The state you live in 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 Idaho, Maine, and Iowa, or at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $510 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit

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 Cheap Ford Fusion Insurance

Getting lower rates on insurance for a Ford Fusion not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop once a year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the data that was presented in the illustrations above.

• Drivers can save up to $170 per year just by shopping early and online
• Insureds who may need higher liability limits will pay around $500 each year to go from a low limit to the 250/500 level
• Teenagers are expensive to insure, with premiums as much as $436 a month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,610 more every year for car insurance

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.