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?”

Estimated insurance rates for a Ford Fusion are $1,370 a year for full coverage. Comprehensive insurance costs approximately $260 a year, collision costs $500, and liability coverage is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing $2,978 or more. 16-year-old drivers pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why it is important to get quotes using their specific location and risk profile, rather than using rate averages.

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

Rates by State, City, and Model

The chart below shows estimated Ford Fusion insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $787
• Choosing higher $1,000 deductibles can save $1,198 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Buying low $100 deductibles for comp and collision coverage will cost an extra $334 each year
• Drivers with multiple tickets or accidents could pay around $2,978 or more
• An auto insurance policy for full coverage for a teenage driver can cost $5,226 each year

View Chart as Image

Auto insurance prices for a Ford Fusion also have a wide range based on your driving characteristics, the trim level of your Fusion, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 a year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

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 the Best Cheap Ford Fusion Insurance

Finding better rates on auto insurance takes being a safe and courteous driver, having good credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick review of the primary concepts that were covered in the above illustrations.

• Drivers can save around $170 per year simply by quoting early and online
• Drivers with a DUI or reckless driving violation may pay on average $1,610 more per year for auto insurance
• Increasing policy deductibles can save around $500 each year
• Teenage drivers have the highest car insurance prices, as much as $436 per month if they have full coverage

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.