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 for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision costs $500, and liability costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing $2,978 or more. Teens pay the most at $5,226 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Fusion trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location, instead of making a decision based on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $787
• Drivers who choose higher $1,000 deductibles will pay around $1,198 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,370
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $334 annually
• Drivers with serious driving violations could pay upwards of $2,978 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,226 a year

View Chart as Image

Auto insurance prices for a Ford Fusion also have a wide range based on the trim level of your Fusion, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $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 will have to pay upwards of $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company calculates prices differently, and quoted prices will be substantially different.

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 the Best Ford Fusion Insurance

Finding better rates on insurance for a Ford Fusion not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every couple of years by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief recap of the material that was touched on above.

• Insureds who require higher levels of liability will pay approximately $500 annually to go from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers are charged the highest prices, with premiums being up to $436 per month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,610 more each year for auto insurance
• Increasing policy deductibles can save approximately $500 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.