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 $1,280 a year for full coverage insurance. Comprehensive costs on average $240, collision insurance costs $422, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,772. Teenage drivers receive the highest rates at up to $4,934 a year.

Average premium for full coverage: $1,280

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.

These examples illustrate why everyone should compare prices based on a specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

The chart below illustrates average Ford Fusion insurance rates for different risk profiles and scenarios.

• The best discount rate is $744
• Using higher $1,000 deductibles will save around $152 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,280
• Using pricier low deductibles for physical damage coverage bumps up the cost to $1,570
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,772
• The cost that insures a 16-year-old driver for full coverage may cost $4,934 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. Ford Fusion insurance for high-risk drivers can be from 43% to 131% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,900 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 $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $450 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2015 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 requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick review of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 pay higher rates, costing up to $411 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,490 more each year to insure a Ford Fusion
• Increasing deductibles can save approximately $450 each year
• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date

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.