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 $1,408 a year for full coverage insurance. Comprehensive costs an estimated $270, collision insurance costs $538, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $3,070. Teens receive the highest rates at up to $5,352 a year.

Average premium for full coverage: $1,408

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why everyone should get quotes for a targeted area, rather than relying on averaged prices.

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

Additional Rate Information

The chart below illustrates average Ford Fusion insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $804
• Choosing higher $1,000 deductibles can save approximately $182 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,408
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,766
• High-risk insureds with serious driving violations could pay up to $3,070
• The cost that insures a teen driver for full coverage can cost as much as $5,352 each year

View Chart as Image

Insurance rates for a Ford Fusion can also vary considerably based on the model of your Fusion, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,700 to $2,300 extra per year, depending on your age. Ford Fusion insurance for high-risk drivers ranges anywhere from 43% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $540 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per 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 Affordable Ford Fusion Insurance

Saving money on Ford Fusion insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a brief review of the ideas that were covered above.

• Teen drivers are charged the highest rates, costing up to $446 per month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,660 more annually to insure their Fusion
• Increasing deductibles can save approximately $550 each year
• It is possible to save approximately $170 per year just by quoting online well ahead of the renewal date

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.