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Who Has the Cheapest Insurance Quotes for a Ford Fusion in California?

When we talk about car insurance, the word affordable really shouldn’t be used anywhere to describe car insurance prices. Sad but true, cheap car insurance for a Ford Fusion can seem impossible to find. Don’t let that bother you, though, because we are going to show you how you can quote and buy auto insurance that you are able to afford.

Your chances of finding cheaper insurance for a Ford Fusion in California relies on a pretty complex algorithm that uses a lot of factors such as whether you are a new or experienced driver, whether you have good credit, and citations on your driving record. Drivers pay approximately $1,650 every 12 months for Fusion insurance, but that is a valuation based on a 30-year-old married female that included full coverage and $100 deductibles.

There is a high likelihood that you are not 30 and possibly not even female, you might be single instead of married, or maybe your Fusion is an older model. Auto insurance requires individual risk assessment, so the most reliable method for finding the most affordable coverage for your Ford is to make a habit of comparing rates at every renewal.

Save Now on Fusion Insurance

The specific trim level tends to have a direct effect on the cost of coverage, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will be $336 less than the cost to insure the fancier Fusion Sport AWD 4-Dr Sedan version, as shown in the chart below.

Ford Fusion Insurance Rates in California
ModelCompCollisionLiabilityMedicalUM/UIMAnnual PremiumMonthly Premium
Fusion S 4-Dr Sedan$368$672$450$26$134$1,650$138
Fusion SE 4-Dr Sedan$416$792$450$26$134$1,818$152
Fusion Hybrid 4-Dr Sedan$416$912$564$34$168$2,094$175
Fusion SEL 4-Dr Sedan$416$792$450$26$134$1,818$152
Fusion Sport 4-Dr Sedan$416$792$450$26$134$1,818$152
Fusion SEL AWD 4-Dr Sedan$464$912$450$26$134$1,986$166
Fusion Sport AWD 4-Dr Sedan$464$912$450$26$134$1,986$166
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Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific location which can alter premiums considerably.

Selecting a good quality auto insurance company is hard considering how many companies sell coverage in California. The rank data listed below could help you choose which insurers to look at to insure your vehicles.

These ratings include companies with a nationwide focus, so companies without a large exposure are not factored into these rankings. If you would like to check rates from these and other competitive companies, click here.

California Auto Insurance Company Rankings
CompanyValueCustomer ServiceClaimsCustomer SatisfactionA.M Best RatingOverall Score
USAA9810010094%A++98.6
American Family988910086%A95.4
AAA of Southern California91949792%A+94.1
State Farm88939690%A++92.4
The Hartford94929089%A+91.7
AAA Insurance88899591%A91.2
GEICO84939389%A++90.3
The General89918988%A-90
Titan Insurance90879195%A+89.6
Progressive84919387%A+89.5
Mercury Insurance88919085%A+89.4
Allstate85909288%A+89.3
Nationwide87888490%A+88.7
Liberty Mutual84879388%A88.5
21st Century85868788%A86.7
Esurance85809587%A+85.9
Safeco85858586%A85.8
Travelers80878783%A++85.2
Farmers Insurance78878879%A84.3
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Data Source: Insure.com Best Car Insurance Companies

The diagram below highlights how deductible choice can influence annual premium costs when getting quotes for cheap insurance for a Ford Fusion. Data assumes a married female driver, comp and collision included, and no discounts are applied.

The data above shows that a 40-year-old driver could pocket $480 a year by changing from a $100 deductible up to a $500 deductible, or save $724 by changing to a $1,000 deductible. Younger drivers, like the Age 20 chart data, could potentially save as much as $1,188 or more just by choosing larger deductibles.

When increasing deductibles, it is important to have emergency funds available to offset the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Types of discounts on California insurance rates

Auto insurance for a Fusion in CaliforniaInsurance companies that provide the cheapest insurance for a Ford Fusion in California may have special discounts that can lower rates by as much as 35% or more if you meet specific criteria. Companies and their possible discounts include:

Auto Insurance Discounts by Company
DiscountAllstateState FarmProgressiveGeicoLiberty MutualNationwideFarmers
Multiple policiesYesYesYesYesYesYesYes
Multi-vehicleNoYesYesYesYesYesYes
Theft preventionYesYesYesYesYesYesYes
Anti-lock brakesYesYesNoYesYesNoNo
Passive restraintYesYesNoYesYesYesYes
Daytime running lightsNoYesNoYesNoNoYes
Newer vehicleYesYesNoNoNoYesYes
Accident-freeYesYesYesYesNoYesYes
Defensive driverYesYesYesYesNoYesYes
Low mileageYesYesYesNoYesYesNo
MilitaryNoYesYesYesNoNoYes
Professional affiliationNoNoNoYesYesYesYes
Pay in fullYesNoYesYesYesYesYes
Paperless billingYesNoYesYesYesYesYes
LoyaltyNoYesYesNoNoYesYes
Early sign-upYesNoNoNoNoYesYes
Smart studentYesYesYesYesYesYesYes
Distant studentYesYesYesNoYesYesYes
Own homeNoNoYesNoNoNoYes
Seat belt useNoNoNoYesNoNoNo
Quote onlineNoNoYesNoNoNoNo
Teen driverNoNoYesNoYesNoNo
Government employeeNoNoNoYesNoNoNo
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The information below shows the comparison of insurance premiums with and without policy discounts. The premiums assume a female driver, no violations or claims, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, accident-free, multiple vehicle, defensive driving course, claim-free, and homeowner discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for a Ford Fusion is % or $.

Cheap Ford Fusion insurance quotes

Thanks to the internet, there are a lot of ways to quote auto insurance rates in California, but the most popular are through a non-exclusive or independent agent, an exclusive agency like Allstate or State Farm, or direct from companies such as Geico or Progressive. Each way has the same basic steps, but they differ in how they function.

Independent insurance agents have contracts with many companies and can compare rates with each one. These agents have the freedom to provide multiple price quotes, which can give you the best chance of saving money. If they quote lower rates, your policy can be easily switched to a different company which makes it simple for you.

An exclusive ageny is only able to quote rates from just one company, two examples are an Auto-Owners or State Farm agent. Exclusive agents cannot provide other companys’ prices, so always compare other rates.

Opting to purchase auto insurance direct means you forego a local agent and instead shop from a direct company like Esurance or Geico. This auto insurance option can be a good choice for consumers who have fewer assets and have a decent understanding of what coverage options they need.

So out of those three methods, which one works best to buy the cheapest insurance for a Ford Fusion in California? Most people assume that shopping direct results in the cheapest rates because there isn’t an agent involved, but that does not always hold true. We could also assume that an independent agency is the best way due to having more companies to select from, but that assumption is not true either. And occasionally, exclusive agencies have price quotes that are impossible to beat.

Due to that fact that auto insurance uses so many rating variables, the one way to find out which one is cheapest is to get as many comparison quotes as possible. Money-saving experts recommend you get rate quotes from all three to have the best rate selection. For a list of auto insurance companies with low rates, click here to view.

How to find cheaper car insurance for a Ford Fusion

The list below shows some penny-pinching solutions that can help California drivers quote more affordable car insurance.

  • Bundle home or renters insurance to earn a discount on car insurance
  • Drivers with good credit ratings often pay less
  • Accident-free drivers may qualify for discounts
  • Do not pay for comprehensive and collision coverage on older vehicles
  • Drive vehicles with five-star safety ratings
  • Comparison shop frequently

The last item on the list is remarkably necessary, as we hit on in this write-up. Insurance rates fluctuate constantly, so don’t hesitate to change to a new company if a lower-cost policy is available. Many drivers prefer to stick with one company, but we do not recommend it if that loyalty results in overpaying hundreds of dollars a year. In just a couple of minutes you could compare rates and find cheaper insurance for a Ford Fusion.

Does State Farm, Progressive, Allstate, or Geico have the cheapest car insurance?

If you want the best insurance for a Fusion, the most popular companies are State Farm, Progressive, Allstate, and Geico. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a unique set of features, discounts, and options that policyholders can choose from. The data below rates ratings for price, service, and claims, in additional to some of the optional coverages that are available.

Auto Insurance Companies Compared
State FarmProgressiveAllstateGeico
Claims Rank2nd4th1st3rd
Overall Price2nd3rd4th1st
Client Satisfaction4th3rd2nd1st
Number of Discounts3rd4th1st2nd
U.S. market share18.3%8.8%10%11.4%
Rating from A.M. BestA++A+A+A++
Standard & Poor’s financial ratingAAAAAA-AA+
Uber and Lyft insuranceYesYesYesYes
Usage-based ratingYesYesYesNo
Mechnical breakdownNoYesNoYes
Roadside serviceYesYesYesYes
Accident forgiveness coverageNoYesYesYes
New car replacementNoNoYesNo
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