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?”

U.S. average auto insurance rates for a Ford Fusion are $1,408 annually including full coverage. Comprehensive costs an estimated $270 each year, collision insurance costs $538, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $3,070. Teenage drivers pay the highest rates at up to $5,352 a year.

Average premium for full coverage: $1,408

Price estimates broken down by individual coverage:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Fusion models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $804
• Choosing higher $1,000 deductibles can save approximately $182 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,408
• Using low deductibles for comp and collision coverage will cost $1,766
• High-risk insureds who are prone to accidents and violations could pay up to $3,070
• The price with full coverage for a teen driver can cost as much as $5,352 each year

View Chart as Image

Auto insurance prices for a Ford Fusion are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $540 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

Getting lower rates on Ford Fusion insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a review of the material that was touched on in the above illustrations.

• Drivers who want higher levels of liability will pay an extra $490 per year to raise limits from a low limit to higher 250/500 limits
• Teenage drivers are the costliest to insure, possibly costing $446 a month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,660 more annually for auto insurance
• Increasing physical damage deductibles could save up to $550 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.