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?”

The average insurance prices for a Ford Fusion are $1,370 every 12 months for full coverage. Comprehensive costs on average $260, collision costs $500, and liability coverage is $452. Liability-only coverage costs around $504 a year, with high-risk coverage costing around $2,978. 16-year-old drivers cost the most to insure at $5,226 a year or more.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

The chart below shows estimated Ford Fusion insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $787
• Raising to $1,000 deductibles will save around $172 a year
• The average price for a good driver age 40 with $500 deductibles is $1,370
• Buying more expensive low deductibles increases the price to $1,704
• Unlucky drivers with multiple tickets or accidents could pay upwards of $2,978 or more
• Policy cost to insure a teenage driver with full coverage may cost $5,226

View Chart as Image

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

Opting for high physical damage deductibles can reduce rates by up to $510 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $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 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Your home state 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 Idaho, Maine, and Iowa, or at least $1,950 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Cheap Ford Fusion Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Make time to compare rates at least once a year by requesting rates from direct carriers, and also from local independent and exclusive agents.

The following is a quick review of the primary concepts that were touched on in this article.

• Drivers can save as much as $170 per year simply by shopping early and online
• Drivers with a DUI or reckless driving violation pay an average of $1,610 more each year for Fusion insurance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Teens pay higher rates, costing up to $436 each month if full coverage is included

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.