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 with full coverage. Comprehensive costs on average $260, collision insurance costs $500, and liability coverage costs around $452. Liability-only insurance costs as low as $504 a year, and high-risk driver insurance costs around $2,978. 16-year-old drivers pay the most at up to $5,226 a year.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than congested cities. The price range example below illustrates how your location can change car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using rate averages.

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

More Rate Information

The chart below details average Ford Fusion insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $787
• Using higher $1,000 deductibles will save around $172 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,370
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,704
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,978
• An auto insurance policy that insures a teenage driver with full coverage may cost $5,226 or more

View Chart as Image

Insurance prices for a Ford Fusion also have a wide range based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can be around 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $510 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

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 Cheap Ford Fusion Insurance

Finding better rates on auto insurance requires having a decent driving record, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Comparison shop every year by requesting rates from direct companies, and also from several local insurance agents.

The following items are a brief summary of the coverage data illustrated above.

• You may be able to save as much as $170 per year just by shopping early and online
• Increasing policy deductibles can save approximately $500 each year
• 16 to 18-year-old drivers pay higher prices, possibly costing $436 per month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations pay on average $1,610 more each year than a driver with a clean driving record

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.