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 $1,408 a year for full coverage. Comprehensive insurance costs around $270 a year, collision costs $538, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $3,070 or more. Teens receive the highest rates at $5,352 a year or more.

Average premium for full coverage: $1,408

Rate estimates for individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to compare prices for a specific zip code, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated Ford Fusion insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $804
• Using higher $1,000 deductibles will save about $1,226 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,408
• Selecting low $100 deductibles for physical damage coverage will cost an additional $358 annually
• High-risk insureds with serious driving violations could pay at least $3,070 or more
• The cost that insures a 16-year-old driver can be $5,352 or more

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on the trim level of your Fusion, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

Where you live has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know your exact price is to get quotes from multiple companies. Each insurance company calculates rates differently, and 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 Find Low Cost Ford Fusion Insurance

Saving money on insurance for a Ford Fusion requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and taking advantage of discounts. Compare rates at every other renewal by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,660 more every year for car insurance
• Teenagers are charged the highest rates, costing as high as $446 per month if comprehensive and collision insurance is included
• Drivers can save up to $170 per year simply by quoting early and online
• Increasing deductibles can save approximately $550 each year
• Drivers can save up to $170 per year simply by quoting early and online

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.