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 auto insurance rates for a Ford Fusion are $1,370 annually with full coverage. Comprehensive insurance costs an estimated $260 each year, collision costs $500, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing $2,978 or more. Teen drivers cost the most to insure at $5,226 a year or more.

Average premium for full coverage: $1,370

Policy rates broken down by type of insurance:

Estimates include $500 deductible amounts, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Fusion models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

The examples above demonstrate why all drivers should compare rates for a targeted area and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Information

The chart below details estimated Ford Fusion insurance rates for other coverage scenarios.

• The lowest rate with discounts is $787
• Drivers who choose higher $1,000 deductibles will pay approximately $172 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,370
• Choosing low deductibles for comprehensive and collision insurance costs an additional $334 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,978 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,226 a year

View Chart as Image

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

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,600 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $510 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different rate calculation, and quoted rates will be varied between companies.

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 Buy Low Cost Ford Fusion Insurance

Finding cheaper rates on insurance for a Ford Fusion not only requires having a good driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a review of the coverage data presented in the illustrations above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers age 20 and younger are the costliest to insure, as much as $436 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,610 more annually to buy Ford Fusion 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.