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 costs around $260 each year, collision costs $500, and liability insurance is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,978. 16-year-old drivers receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities.

The graphic below illustrates how location helps determine auto insurance rates.

These examples show why all drivers should get quotes for a specific zip code and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below shows estimated Ford Fusion insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $787
• Choosing higher $1,000 deductibles can save about $172 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,370
• Buying low deductibles for comp and collision coverage will increase the cost to $1,704
• High-risk insureds with multiple tickets or accidents could pay at least $2,978 or more
• The cost for full coverage for a teen driver can be $5,226 each year

View Chart as Image

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

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $5,200 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 $900 a year in states like Idaho, Maine, and Iowa, or at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted 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 Cheaper Ford Fusion Insurance

Saving money on Ford Fusion insurance takes not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates at every other renewal by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following is a condensed summary of the concepts that were covered in the charts and tables above.

• High-risk drivers with multiple at-fault accidents may be required to pay an average of $1,610 more every year for Fusion insurance
• Teens are expensive to insure, costing as high as $436 per month if they have full coverage
• Drivers can save up to $170 per year simply by quoting online in advance
• Increasing deductibles can save around $500 each year
• Drivers can save up to $170 per year simply by quoting online in advance

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.