The Ford Fusion recently ranked fifth in midsize cars by US News & World Report. Ford has been producing this reliable vehicle since 2007, and there's no question that when you hit the road in your Ford Fusion, you'll want proper car insurance.
What Kind of Insurance Do You Need for Your Ford Fusion?
Mishaps happen ever day to drivers, so carrying proper car insurance is crucial so you're prepared for any incidents that affect you. Every state has different requirements for minimum coverage, so check with your independent agent for specifics. You can learn about some of the available insurance options below.
Most states mandate the following coverages:
Bodily injury liability: If you cause an accident and injure someone else, bodily injury liability pays for the necessary medical care and lost wages to the other party as a result of the accident.
Property damage liability: If you cause damage to another person’s property while driving, you are responsible for repair or replacement costs. This coverage provides reimbursement for damage to the property. This could be anything from another vehicle to a fence in front of a business.
Many states also require these coverages:
Medical payments/Personal injury protection: If you cause an accident that results in personal injuries that need medical care, personal injury protection (PIP) provides coverage for necessary medical treatment and lost wages. PIP is required in no-fault states and available as medical payments coverage in other states.
Uninsured motorist coverage: Every day, drivers get on the road without proper insurance coverage or no insurance at all. This puts other drivers at risk for losses sustained from an uninsured motorist in the event they cause an accident. Uninsured motorist coverage provides payment for medical care and damage to your car, which could turn out to be substantial. You can also purchase underinsured motorist coverage, which protects you from claims that exceed the limits of the other driver’s policy.
Collision insurance: Most of the time, if you collide with another vehicle or object, you're going to have damage to your car. Without collision insurance, you'll be left paying for the damage out of pocket.
Comprehensive insurance: Hailstorms, fires, and wild animals all present risks to your vehicle. Even if your car is parked, something can fall on it, or it can be vandalized and become damaged. Comprehensive insurance covers the cost of needed repairs or the replacement of your car if necessary.
Glass coverage: Glass coverage can be added to your auto policy for a low monthly premium and provides payment for a windshield repair or replacement. Glass claims are all too common, so carrying glass coverage should be strongly considered.
Gap insurance: If you're in an accident and your insurance deems your Ford Fusion a total loss, you'll still have to pay the remaining part of your loan if you leased the vehicle. Gap insurance covers the difference between what the car is worth and what you owe, preventing large financial losses.
What Affects the Cost of Car Insurance for Your Ford Fusion?
Commuting long hours for work or simply putting a lot of miles on your vehicle will effect your insurance premiums.
Accidents happen, but they also lead to violations on your driving record. In the unfortunate event that you have racked up violations, your insurance premiums will be impacted. The good news is that most violations fall off your record after a certain amount of time and your insurance agent can help you determine when that will be.
Your car’s value
The higher the retail value of your Ford Fusion the more your premium will be. This is because your insurance will have to pay more to replace your Ford Fusion if you're in an accident. The Ford Fusion is reasonably priced with the following averages across the years 2016 to 2020.
|Average price of a Ford Fusion|
|2020||$23,170 - $37,000|
|2019||$16,200 - $26,350|
|2018||$14,200 - $23,375|
|2017||$12,450 - $19,825|
|2016||$12,450 - $19,825|
The safety of your Ford Fusion
The safety ratings and safety features of your car are evaluated by insurance companies when it comes to determining your rates. The 2020 Ford Fusion earned five-star ratings from the National Highway Traffic Safety Administration (NHTSA) in the overall crash test and side crash test. The Institute for Highway Safety (IIHS) gave the Ford Fusion a "good" rating in all of its crash and rollover tests. The organization measures safety on a scale of Good, Acceptable, and Poor.
Where you live with your Ford Fusion
Did you know that your geographical location can have an effect on your car insurance premiums? If you live in a more populated city, the chances of something like a collision or vandalism happening are greater than if you were to live in a rural town.
|Average insurance costs by location|
What Is the Average Cost to Insure a Ford Fusion?
Your auto insurance premiums will differ depending on variables like age, driving record, etc. On average, the annual insurance expense for full coverage on a Ford Fusion will run you around $1,492 annually. High-risk drivers and teens can expect to pay more, as they are more of a risk to the insurance company.
Which states are most affordable and least affordable for car insurance?
Estimated annual car insurance premiums in the United States:
|Most expensive states:|
|Most expensive cities:|
|New York City||$2,355|
|Most affordable states:|
How Can You Save on Ford Fusion Car Insurance?
If you are stressed over the cost of car insurance, there are a wide range of discounts to help you save, like:
- Good student discount
- Anti-theft device discount
- Affinity discount
- Good driver discount
- Multi-line discount
- Multi-vehicle discount
Top Insurance Companies That Insure the Ford Fusion
No two auto insurance companies are the same, so it’s important you take the time to choose a company that fits your needs. The US Independent Insurance Agent Satisfaction Study by JD Power awarded the following companies high marks:
An independent agent can help start the process of finding the right insurance company for you.
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Where to Find Insurance for Your Ford Fusion
The Ford Fusion can be a great choice for many drivers. It is easy to find quality insurance for your Ford Fusion with the help of an independent agent.
Independent agents are local insurance advisors who understand your needs, and who can provide you with a variety of quotes from numerous reputable insurance companies. With multiple quotes, you can compare coverage offers and costs, and choose the option that best meets your needs and budget.
Contact a local agent today to learn more about Ford Fusion insurance. TrustedChoice.com’s find-an-agent tool will match you up with a local agent so you can start shopping for insurance immediately.