Car insurance for a Ford Fusion

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The Ford Fusion is still a popular vehicle, despite having been discontinued after 2018. If you own a Ford Fusion sport or are looking at buying a used one, you may find it useful to know what the average rate is for this model. The average cost to insure a 2018 Ford Fusion is $1,674 for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. Individual rates can vary significantly, even when the same vehicle is being considered.

Finding the best Ford Fusion car insurance will require comparing quotes from multiple providers, given each driver’s unique circumstances. To better determine whether rates for a Ford Fusion are a good deal, it is essential to understand some of the nuances that go into determining insurance rates for a Ford Fusion.

Models included in this review:

  • 2018 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.

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.

In addition, 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.

Optional safety features, like those on the 2020 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, driving record, location, credit history, and even marital status, 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.

Ford Fusion car insurance Average annual premium
Minimum coverage $508
Full coverage $1,674

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 for 2021.

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 by model

Car insurance company Ford Fusion
Amica $1,339
Erie $1,246
Geico $1,361
State Farm $1,470
USAA $1,152

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 airbags: Airbags 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 policy types to deal with this are collision, comprehensive, uninsured motorist 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. On the other hand, Comprehensive will cover most forms of damage done to the vehicle while it is not being driven.

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 coverage policies are another type of auto insurance that can help fill the gaps around minimum coverage. These policies are designed to cover medical expenses for the driver and their passengers even if the driver is at-fault for an auto accident.

Methodology

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 coverages that meet each state’s requirements. Our base profile drivers own a 2018 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.

Written by
Joshua Cox-Steib
Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate.com, Coverage.com, Thesimpledollar.com, Reviews.com, and more. His work has also been featured on such sites as Msn.com and BBB.org. His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.
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