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 rates for a Ford Fusion are $1,370 a year including full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $500, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, and high-risk driver insurance costs $2,978 or more. Teens pay the most at up to $5,226 a year.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates using their specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down average Ford Fusion insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $787
• Drivers who choose higher $1,000 deductibles will pay $172 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $334 each year
• High-risk insureds with serious driving violations could pay around $2,978
• An auto insurance policy that insures a teenage driver with full coverage can cost $5,226 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Fusion insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,950 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 a year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more each year. 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 Low Cost Ford Fusion Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Compare rates every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a review of the information touched on in this article.

• You may be able to save around $170 per year just by shopping early and online
• Youthful drivers are the costliest to insure, with the cost nearing $436 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $500 each year
• Drivers who have several accidents or serious violations will likely pay on average $1,610 more per year than a low-risk driver
• Consumers who purchase more liability protection will pay approximately $500 per year to go from 30/60 bodily injury limits to the 250/500 level

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.