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 rates for a Ford Fusion are $1,370 a year for full coverage insurance. Comprehensive costs around $260 each year, collision insurance costs $500, and liability costs $452. A liability-only policy costs as little as $504 a year, and high-risk insurance costs around $2,978. Teenage drivers receive the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location impacts auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $787
• Drivers who choose higher $1,000 deductibles will pay about $172 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,370
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,704
• Drivers who are prone to accidents and violations could pay at least $2,978
• The cost that insures a 16-year-old driver can be $5,226 a year

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $510 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more per 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 the Best Cheap Ford Fusion Insurance

Saving money on insurance for a Ford Fusion not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices every couple of years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a quick review of the material that was touched on above.

• Insureds who may need higher liability limits will pay an extra $500 annually to go from a minimum limit to the 250/500 level
• Teenagers pay higher rates, costing up to $436 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,610 more every year for car insurance
• Increasing deductibles can save approximately $500 each year

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.