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?”

Estimated insurance prices for a Ford Fusion are $1,370 every 12 months including full coverage. Comprehensive insurance costs around $260, collision insurance costs $500, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs $2,978 or more. Teenage drivers pay the most at up to $5,226 a year.

Average premium for full coverage: $1,370

Premium estimates for type of coverage:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Fusion models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how where you live affects auto insurance rates.

These rate differences highlight why everyone should get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down average Ford Fusion insurance rates for additional coverage choices and driver risks.

• The best discount rate is $787
• Choosing higher $1,000 deductibles can save about $172 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,370
• Using pricier low deductibles for comp and collision coverage costs an extra $334 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,978
• An auto insurance policy to insure a 16-year-old driver for full coverage can be $5,226 each year

View Chart as Image

Auto insurance prices for a Ford Fusion also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can save as much as $510 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 in extra premium annually, depending on your age. Ford Fusion insurance for high-risk drivers ranges from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

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 Shop for Cheaper Ford Fusion Insurance

Finding better rates on insurance for a Ford Fusion takes being a safe and courteous driver, having a good credit score, refrain from filing small claims, and possibly raising deductibles. Take the time to comparison shop every other policy renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the ideas that were touched on in the above illustrations.

• Teenage drivers are expensive to insure, with the cost nearing $436 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,610 more every year for auto insurance
• Increasing policy deductibles could save as much as $500 each year
• You may be able to save up to $170 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.