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 rates for a Ford Fusion are $1,408 a year including full coverage. Comprehensive insurance costs around $270, collision costs $538, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $3,070 or more. Teen drivers cost the most to insure at $5,352 a year or more.

Average premium for full coverage: $1,408

Policy rates for type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Fusion trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

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

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $804
• Choosing higher $1,000 deductibles can save about $182 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,408
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $358 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,070 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $5,352 each year

View Chart as Image

Car insurance rates for a Ford Fusion also range considerably based on your risk profile, the model of your Fusion, and deductibles and policy limits.

An older driver with no driving violations and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $540 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied 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 Low Cost Ford Fusion Insurance

Finding cheaper rates on insurance for a Ford Fusion takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a review of the coverage data touched on in this article.

• You may be able to save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $550 each year
• Teen drivers are the costliest to insure, with premiums being up to $446 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,660 more every 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.