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?”

Average insurance rates for a Ford Fusion are $1,370 a year including full coverage. Comprehensive costs on average $260, collision insurance costs $500, and liability coverage costs around $452. A policy with just liability insurance costs as low as $504 a year, and coverage for high-risk drivers costs around $2,978. Teens receive the highest rates at up to $5,226 a year.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects car insurance rates.

These examples highlight why everyone should compare prices based on a specific location and risk profile, 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $787
• Using higher $1,000 deductibles will save around $172 every year
• The average rate for a 40-year-old driver with $500 deductibles is $1,370
• Selecting pricier low deductibles for physical damage coverage will increase the cost to $1,704
• Higher-risk drivers with serious driving violations could pay upwards of $2,978
• The cost for full coverage for a teenage driver for full coverage may cost $5,226 or more

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on your driver profile, the model of your Fusion, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you live has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 additional per year, depending on your age. Ford Fusion insurance for high-risk drivers can be around 44% to 130% more than the average policy. View High Risk Driver Rates

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

Saving money on auto insurance requires being a good driver, having a good credit history, not filing small claims, and dropping full coverage on older vehicles. Set aside time to shop around at least every other year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following list is a review of the car insurance concepts raised in the charts and tables above.

• Drivers who have several accidents or serious violations may pay on average $1,610 more each year than a safer driver
• You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $500 each year
• Consumers who require an increased level of liability coverage will pay approximately $500 per year to increase from a minimum limit to 250/500 limits

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.