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 insurance prices for a Ford Fusion are $1,408 every 12 months with full coverage. Comprehensive costs around $270, collision insurance costs $538, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $3,070. Teen drivers cost the most to insure at up to $5,352 a year.

Average premium for full coverage: $1,408

Policy rates for type of insurance:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below details average Ford Fusion insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $804
• Using higher $1,000 deductibles will save about $182 annually
• The average price for a good driver age 40 using $500 deductibles is $1,408
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,766
• Drivers with multiple violations and an at-fault accident could pay at least $3,070
• Policy cost to insure a teen driver with full coverage can be $5,352 or more

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Insurance rates for a Ford Fusion also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $540 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can be anywhere from 43% to 134% more than average. View High Risk Driver Rates

Your home state has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.

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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 Best Ford Fusion Insurance

Finding cheaper rates on Ford Fusion insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates once a year by getting quotes from direct companies, and also from several local insurance agents.

Below is a brief recap of the data that was touched on in this article.

• You may be able to save up to $170 per year just by shopping early and online
• Drivers who may need higher levels of liability will pay about $490 every year to increase from a 30/60 limit to a 250/500 level
• Teenage drivers are charged the highest rates, as much as $446 each month if full coverage is included
• High-risk drivers who tend to receive serious violations pay on average $1,660 more every year for auto insurance

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.