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 approximately $260, collision costs $500, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing around $2,978. Teens pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

These rate differences demonstrate why everyone should compare rates quotes using their specific location, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $787
• Raising to $1,000 deductibles will save $172 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Selecting pricier low deductibles bumps up the cost to $1,704
• Higher-risk drivers with serious driving violations could pay around $2,978 or more
• An auto insurance policy that insures a teen driver for full coverage can cost $5,226

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,300 in extra premium annually, depending on your age. Ford Fusion insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Fusion insurance rates. A middle-age driver might find prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices will be substantially 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 Find the Cheapest Ford Fusion Insurance

Finding better rates on Ford Fusion insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a recap of the data that was covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase more liability coverage will pay approximately $500 every year to raise from 30/60 bodily injury limits to the 250/500 level
• Teen drivers have the highest car insurance prices, possibly costing $436 per month if the policy includes full coverage
• High-risk drivers that have major violations or accidents may have to pay on average $1,610 more per year to insure their Fusion

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.