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 auto insurance rates for a Ford Fusion are $1,334 annually for full coverage insurance. Comprehensive insurance costs on average $250, collision costs $470, and liability costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,900 or more. Teenage drivers cost the most to insure at $5,118 a year or more.

Average premium for full coverage: $1,334

Policy rates by type of insurance:

Full coverage includes $500 deductibles, minimum liability limits, and includes both medical and UM/UIM 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 have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below illustrates estimated Ford Fusion insurance rates for different risk profiles and scenarios.

• The best discount rate is $769
• Drivers who choose higher $1,000 deductibles will pay around $164 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,334
• Using more expensive low deductibles for comprehensive and collision insurance costs an additional $318 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,900 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $5,118 a year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $490 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,800 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy More Affordable Ford Fusion Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, being claim-free, and insuring your home and auto with the same company. Make time to compare rates every couple of years by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a summary of the material that was touched on in this article.

• Policyholders who require higher liability limits will pay an extra $500 annually to go from a 30/60 limit to higher 250/500 limits
• Teens pay higher rates, possibly costing $427 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,570 more each year for Fusion insurance
• Increasing comprehensive and collision deductibles could save up to $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.