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 for full coverage. Comprehensive insurance costs an estimated $260 a year, collision costs $500, and liability insurance is $452. A liability-only policy costs around $504 a year, with high-risk insurance costing $2,978 or more. Teenage drivers receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Fusion trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These examples show why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Information

The chart below shows estimated Ford Fusion insurance rates for other coverage scenarios.

• The best discount rate is $787
• Raising to $1,000 deductibles will save approximately $1,198 a year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,370
• Using low $100 deductibles will cost an extra $334 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,978 or more
• The cost for full coverage for a teen driver can cost as much as $5,226

View Chart as Image

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

Older drivers with a clean driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

Where you live also has a big influence on Ford Fusion insurance rates. A middle-age driver might find rates as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $510 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

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 Right Ford Fusion Insurance

Saving money on Ford Fusion insurance consists of having a decent driving record, maintaining good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest time comparing rates at least every other year by quoting rates from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.

The following items are a quick rundown of the car insurance concepts covered in the charts and tables above.

• High-risk drivers with reckless driving or DUI convictions pay an average of $1,610 more annually than a driver with a clean driving record
• Drivers can save approximately $170 per year simply by quoting early and online
• Increasing deductibles can save around $500 each year
• Drivers who want additional liability coverage will pay an extra $500 each year to raise 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.