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 including full coverage. Comprehensive costs on average $260, collision costs $500, and liability costs $452. Buying just liability costs as little as $504 a year, with insurance for high-risk drivers costing around $2,978. Teenage drivers receive the highest rates at $5,226 a year or more.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Fusion models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

These examples highlight why everyone should compare rates based on a specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $787
• Drivers who choose higher $1,000 deductibles will pay around $172 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,370
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,704
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,978 or more
• The cost that insures a teen driver for full coverage may cost $5,226 a year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,950 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $510 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, and quoted rates can be significantly 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 Find the Right Ford Fusion Insurance

Saving money on car insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a quick rundown of the coverage data illustrated above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $500 each year
• Teen drivers are charged the highest rates, as much as $436 per month if the policy includes full coverage
• Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,610 more each year to insure their Fusion

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.