Over the years, the Ford Fusion has been a popular and affordable option for many drivers. Even though Ford announced plans to streamline its vehicle offerings and discontinue the sedan in 2018, production for the Ford Fusion didn’t officially end until 2020. Whether you own a Ford Fusion or are considering buying the vehicle pre-owned, the cost of car insurance may be something that factors into your budget. According to Bankrate’s 2022 study of quoted annual premiums, the average cost of car insurance for a 2019 Ford Fusion is $1,674 per year for full coverage.
While individual rates may vary, especially depending on the driver and specific Ford Fusion model, shopping around with different insurance companies may reveal a wider range than expected. To know if you’re getting a good deal, it can help to understand features of the Ford Fusion influence its car insurance premium, as well as other factors that go into calculating insurance rates.
Models included in this review:
- 2019 Ford Fusion
How much does it cost to insure a Ford Fusion?
While Bankrate found the average cost of car insurance for a Ford Fusion is $1,674 a year for full coverage, there can be many variances among providers. Some of these variables are attributed to the driver, while others are based on the vehicle itself. The vehicle can impact the average cost of auto insurance based on the price of parts, safety features, crash ratings, and other aspects.
- Crash rate stats per make/model – The Ford Fusion received good ratings on most aspects tested by the Insurance Institute for Highway Safety (IIHS), although it scored poorly on headlights. These ratings and what they represent can influence the auto insurance premiums for these vehicles. Generally, the safer and less accident-prone a vehicle is, the cheaper it may be to insure.
- Price of parts – The price of parts plays a more direct role in auto insurance rates. The more expensive a car is to repair or replace, the more it typically costs to insure. Since the Ford Fusion is no longer manufactured, this may lead to steeper prices on parts, particularly over time as stock parts diminish.
- Safety features – Safety features, like those on the 2020 Ford Fusion model model, can include modern sensory devices for blind spot detection, lane departure warning and lane departure prevention. Features like these reduce the risk of an accident and may contribute to lower auto insurance costs.
Car insurance for a Ford Fusion
Car insurance for Ford Fusion can vary significantly between drivers, even when comparing an identical make and model. This is typically because providers use personalized data when calculating rates to help them estimate how expensive a customer will be to insure. Being aware of average rates in the table below may help customers determine whether the quotes they are comparing are competitive.
Regarding the driver, these variables generally include age (except in Hawaii), driving record and location, among other factors. The vehicle-specific factors that can impact insurance costs for a Ford Focus may include mileage and previous accident history.
While the Ford Fusion scores well with the IIHS on safety ratings, which may contribute to lower premiums, some of these potential savings may be offset by the cost of replacement parts. As discontinued vehicle parts may no longer be manufactured, this could drive up the cost of insurance over time.
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Cheapest car insurance companies for Ford Fusion
While the national average above provides a baseline, rates for the Ford Fusion vary quite a bit between insurance providers and drivers. The average rates for the Ford Fusion listed below are from some of the largest auto insurance providers by market share. These companies were selected from the Bankrate picks for the best car insurance companies in 2022.
While averages have been provided, actual rates between drivers can vary significantly. The personalized nature of auto rates is one reason that experts recommend getting quotes from multiple insurers when looking for a policy.
Average annual premium for full coverage
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Ford Fusion features that impact insurance costs
The following safety features may result in additional savings from insurers, or contribute to lower overall rates for the Ford Fusion.
- Blind spot warning: Blind spots increase the risk of collision, and blind spot detection can help mitigate that risk. Due to this reduced risk, auto insurers may calculate cars with this feature as less expensive to insure.
- Lane drift detection: This system can alert a driver when they are unintentionally drifting out of their lane. This can reduce the chances of an accident and may thereby reduce premiums.
- Lane drift avoidance: The avoidance system can help to prevent the car from drifting, and not just alerting the driver. This can further reduce the risks of an accident and may save on auto insurance as a result.
- Front crash prevention system: Another detection and prevention system, these devices can help to lower the odds of rear-ending another vehicle. Reducing the chances of a frontal collision can make a vehicle cheaper to insure, by reducing financial risk.
- Front and side air bags: Air bags can reduce the risks of bodily injury in an accident, which factors into insurance costs. Specifically, these safety features lower the risk of bodily injury and can lead to lower insurance rates with policies that include medical coverage.
Other car insurance coverage for a Ford Fusion
While most states require basic liability coverage, there are many more types of auto insurance that Ford Fusion drivers may want to consider for additional financial protection. Minimum coverage auto insurance is designed to cover the costs to others if you are responsible for an accident or damages. However, you would be left out of pocket paying for your own vehicle damages or medical expenses, if you were at-fault. Some of the most common coverage types to deal with this are collision coverage, uninsured motorist coverage and medical payments or personal injury protection (PIP).
Collision coverage will generally pay towards damages to your car that occurred due to any collision while it is being driven, regardless of fault. On the other hand, comprehensive coverage will cover most forms of damage done to the vehicle unrelated to a collision, like damage from a tree or hitting a deer.
Uninsured motorist coverage applies when you have an accident with another driver who does not have insurance and cannot afford to meet their financial obligation to you. Medical payments coverage is another option that can help fill the gaps around minimum coverage. It’s designed to cover medical expenses for the driver and their passengers following a collision, even if the driver is at-fault.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Ford Fusion, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.