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 rates for a Ford Fusion are $1,334 a year for full coverage. Comprehensive costs an estimated $250 a year, collision insurance costs $470, and liability coverage is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $2,900. Teen drivers cost the most to insure at up to $5,118 a year.

Average premium for full coverage: $1,334

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to get quotes for a targeted area and risk profile, rather than using price averages.

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

Additional Rate Details

The chart below shows average Ford Fusion insurance rates for other coverage scenarios.

• The lowest rate with discounts is $769
• Choosing higher $1,000 deductibles can save approximately $1,170 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,334
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,652
• Drivers with multiple violations and an at-fault accident could pay up to $2,900
• Policy cost for full coverage for a teenage driver can cost as much as $5,118 each year

View Chart as Image

Insurance rates for a Ford Fusion also range considerably based on your risk profile, the trim level of your Fusion, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Iowa, Maine, and Idaho, or as much as $1,900 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $490 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges around 43% to 134% more than average. View High Risk Driver Rates

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 cheaper rates on auto insurance takes being a good driver, maintaining good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the car insurance concepts covered in the above illustrations.

• Drivers that have major violations or accidents pay an average of $1,570 more annually than a safer driver
• Drivers can save approximately $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• Consumers who want an increased level of liability coverage will pay about $500 each year to raise limits from a 30/60 limit to 250/500 limits

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.