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. Comprehensive insurance costs on average $250, collision costs $470, and liability insurance costs $456. Liability-only coverage costs as little as $508 a year, with high-risk coverage costing $2,900 or more. Teens 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:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Fusion models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

The examples above show why everyone should compare rates based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $769
• Drivers who choose higher $1,000 deductibles will pay around $164 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,334
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $318 a year
• High risk drivers with serious driving violations could pay upwards of $2,900 or more
• Policy cost with full coverage for a teen driver for 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 driver profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles could 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 could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Ford Fusion insurance for high-risk drivers can cost anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $490 each year, whereas buying more liability protection will cost you more. Going 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 rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,900 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every company calculates rates differently, 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 Affordable Ford Fusion Insurance

Finding cheaper rates on Ford Fusion insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief review of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,570 more each year to insure a Ford Fusion
• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $475 each year
• Drivers who require increased liability limits will pay approximately $500 each year to go from a 30/60 limit to higher 250/500 limits

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.