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 including full coverage. Comprehensive costs an estimated $260 a year, collision costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, with high-risk coverage costing around $2,978. Teenage drivers 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

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

The examples above highlight why it is important to get quotes for a targeted area and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $787
• Choosing higher $1,000 deductibles can save approximately $1,198 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,370
• Using low $100 deductibles for comp and collision coverage increases the price to $1,704
• Unlucky drivers who are prone to accidents and violations could pay up to $2,978 or more
• Policy cost to insure a teen driver can cost as much as $5,226 each year

View Chart as Image

Insurance rates for a Ford Fusion also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles can save as much as $510 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay 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 likely paying $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and rates 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 the Best Ford Fusion Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a brief recap of the information touched on in the above illustrations.

• You may be able to save approximately $170 per year simply by quoting early and online
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $436 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Higher risk drivers who tend to receive serious violations may have to pay on average $1,610 more annually than a safer driver
• Policyholders who want an increased level of liability coverage will pay an extra $500 per year to raise limits 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.