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 prices for a Ford Fusion are $1,370 every 12 months with full coverage. Comprehensive costs an estimated $260, collision costs $500, and liability coverage costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,978. Teens pay the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Price estimates broken down by individual coverage:

Rate estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Fusion trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $787
• Drivers who choose higher $1,000 deductibles will pay approximately $172 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,370
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $1,704
• High-risk insureds with serious driving violations could pay up to $2,978 or more
• The price to insure a teenage driver with full coverage can cost as much as $5,226 a year

View Chart as Image

Insurance prices for a Ford Fusion are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $510 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,600 to $2,300 additional each year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

The state you live in makes a big difference in Ford Fusion insurance rates. A 40-year-old driver could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see how they stack up. Every company calculates prices differently, and prices may be quite 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 Shop for the Best Ford Fusion Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief recap of the ideas that were covered in the charts and tables above.

• Teens are expensive to insure, costing up to $436 a month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $1,610 more annually for Fusion insurance
• Increasing physical damage deductibles could save as much as $500 each year
• You may be able to save approximately $170 per year simply by shopping early and online

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.