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 insurance rates for a Ford Fusion are $1,408 a year for full coverage insurance. Comprehensive costs around $270 a year, collision insurance costs $538, and liability is $442. Liability-only insurance costs around $496 a year, and high-risk driver insurance 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 for individual coverage:

These estimates include $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Fusion trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why it is important to compare rates quotes for a specific zip code, instead of using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $804
• Raising to $1,000 deductibles will save about $1,226 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,408
• Using low $100 deductibles bumps up the cost to $1,766
• At-risk drivers who are prone to accidents and violations could pay at least $3,070
• The price that insures a teen driver can be $5,352

View Chart as Image

Car insurance prices for a Ford Fusion are also quite variable based on the trim level of your Fusion, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged as much as $5,300 a year. View Rates by Age

The state you live in also has a big influence on Ford Fusion insurance prices. A middle-age driver might find prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $540 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Ford Fusion Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief summary of the primary concepts that were raised in the charts and tables above.

• It is possible to save up to $170 per year just by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,660 more every year for Fusion insurance
• Increasing physical damage deductibles can save approximately $550 each year
• Teens are the costliest to insure, as much as $446 a month if full coverage is purchased

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.