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?”

Average insurance prices for a Ford Fusion are $1,370 every 12 months including full coverage. Comprehensive costs approximately $260, collision costs $500, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,978. Teenage drivers receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why everyone should get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $787
• Choosing higher $1,000 deductibles can save $172 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,370
• Using pricier low deductibles for comp and collision coverage increases the price to $1,704
• High-risk insureds who are prone to accidents and violations could pay around $2,978 or more
• The cost to insure a teen driver for full coverage can cost $5,226 each year

View Chart as Image

Auto insurance rates for a Ford Fusion can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Fusion.

Using high physical damage deductibles can save as much as $510 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Ford Fusion insurance rates. 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

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.

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 Cheapest Ford Fusion Insurance

Saving money on Ford Fusion insurance takes being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The following list is a recap of the ideas that were raised in the charts and tables above.

• Drivers age 16 to 20 have the highest car insurance rates, as much as $436 per month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents could be charged and average of $1,610 more per year than a safer driver
• Increasing deductibles could save as much as $500 each year
• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date

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.