Cheap Ford Fusion Car Insurance in 2024 (Earn Savings With These 10 Companies!)
The top provider picks for cheap Ford Fusion car insurance are Progressive, Travelers, and State Farm, with rates starting as low as $72/month. These companies offer reliable coverage tailored specifically for Ford Fusion owners, ensuring the protection you need for your vehicle at a price that fits your budget.
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Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
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UPDATED: Oct 15, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for Ford Fusion
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,731 reviewsCompany Facts
Min. Coverage for Ford Fusion
A.M. Best Rating
Complaint Level
Pros & Cons
1,731 reviews
17,759 reviewsCompany Facts
Min. Coverage for Ford Fusion
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviews
The top pick overall for cheap Ford Fusion car insurance is Progressive, closely followed by Travelers and State Farm, offering rates as low as $72 per month.
Understanding the intricacies of Ford Fusion car insurance costs is essential for owners seeking optimal coverage at budget-friendly prices. Factors such as driver age, driving history, location, and coverage options significantly influence insurance premiums.
Our Top 10 Company Picks: Cheap Ford Fusion Car Insurance
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $72 | A+ | Multi-Policy Discounts | Progressive |
 | #2 | $74 | A++ | Customer Service | Travelers |
 | #3 | $75 | B | Bundling Discounts | State Farm |
 | #4 | $76 | A++ | Competitive Rates | Geico |
 | #5 | $78 | A+ | Customer Service | Amica |
 | #6 | $79 | A+ | Safe-Driving Discounts | Nationwide |
 | #7 | $80 | A | Personalized Service | Farmers |
 | #8 | $82 | A | Competitive Rates | Safeco |
 | #9 | $85 | A+ | Comprehensive Coverage | Allstate |
 | #10 | $88 | A | Customizable Coverage | Liberty Mutual |
By comparing quotes from multiple providers and considering various discounts and savings options, Ford Fusion owners can secure reliable coverage tailored to their needs without breaking the bank.
Avoid overpaying for your car insurance by entering your ZIP code above in our free comparison tool to find which company has the lowest rates.
- Progressive is the top pick for cheap Ford Fusion insurance, starting at $72/mo
- Factors like age, history, location impact Ford Fusion insurance costs
- Comprehensive coverage is essential for protection against non-collision risks
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#1 – Progressive: Top Overall Pick
Pros
- Competitive Rates: Progressive insurance review & ratings highlight competitive rates for Ford Fusion car insurance, making it an appealing choice for budget-conscious drivers.
- Wide Range of Coverage Options: With Progressive, Ford Fusion owners can choose from a variety of coverage options tailored to their needs, ensuring they get the protection they require.
- Discount Opportunities: Progressive provides various discount opportunities, such as safe driver discounts, multi-policy discounts, and discounts for anti-theft devices, helping Ford Fusion owners save on their insurance premiums.
Cons
- Mixed Customer Service Reviews: While Progressive offers convenient online tools, some customers have reported mixed experiences with their customer service, citing issues with responsiveness and communication.
- Limited Availability: Progressive’s coverage may not be available in all areas, limiting options for Ford Fusion owners living in certain regions.
#2 – Travelers: Best for Customer Service
Pros
- Strong Reputation: Travelers has a strong reputation for reliability and customer satisfaction, providing Ford Fusion owners with peace of mind knowing they are insured by a reputable company.
- Customizable Policies: Travelers insurance review & ratings highlight customizable policies, enabling Ford Fusion owners to personalize their coverage according to their specific needs and preferences.
- Discount Opportunities: Travelers provides various discount opportunities, including safe driver discounts, multi-policy discounts, and discounts for safety features, helping Ford Fusion owners save money on their insurance premiums.
Cons
- Higher Premiums: Travelers’ premiums may be higher compared to some other insurance providers, potentially making it less affordable for Ford Fusion owners on a tight budget.
- Limited Availability: Travelers’ coverage may not be available in all areas, limiting options for Ford Fusion owners living in certain regions.
#3 – State Farm: Best for Bundling Discounts
Pros
- Personalized Service: State Farm insurance review & ratings highlights their personalized service, showcasing agents ready to assist Ford Fusion owners with their insurance needs and guide them through the policy process.
- Discount Opportunities: State Farm provides various discount opportunities, such as safe driver discounts, multi-policy discounts, and discounts for safety features, helping Ford Fusion owners save on their insurance premiums.
- Convenient Online Tools: State Farm offers convenient online tools and resources, making it easy for Ford Fusion owners to manage their policies, file claims, and access support whenever needed.
Cons
- Potentially Higher Rates: Some Ford Fusion owners have reported higher premiums with State Farm compared to other insurance providers, potentially making it less affordable for drivers on a tight budget.
- Limited Coverage Options: State Farm may have limited coverage options compared to some other insurance providers, potentially restricting choices for Ford Fusion owners seeking specific types of coverage.
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#4 – Geico: Best for Competitive Rates
Pros
- Wide Range of Coverage Options: Geico car insurance discounts highlight a variety of coverage options, enabling customers to customize their policies to fit their unique requirements.
- Discount Opportunities: Geico provides various discount opportunities, including safe driver discounts, multi-policy discounts, and discounts for vehicle safety features, helping customers save on their premiums.
- Strong Financial Stability: Geico boasts strong financial stability and reliability, providing peace of mind to policyholders knowing their claims are likely to be covered.
Cons
- Limited Availability of Local Agents: Geico primarily operates online and over the phone, which may not be ideal for customers who prefer face-to-face interactions with local agents.
- Average Rates for High-Risk Drivers: While Geico offers competitive rates for most drivers, individuals with a history of accidents or traffic violations may find their premiums to be higher compared to other insurers.
#5 – Amica: Best for Customer Service
Pros
- High Customer Satisfaction: Amica consistently receives high ratings for customer satisfaction, reflecting its commitment to excellent service and customer care. For a comprehensive analysis, refer to our detailed guide titled “What car insurance discounts does Amica Mutual Insurance Company offer?“
- Generous Dividend Policy: Amica is known for its dividend policy, which returns a portion of premiums to policyholders annually, providing additional savings and value.
- Discount Opportunities: Amica provides various discount opportunities, such as loyalty discounts, claim-free discounts, and discounts for safety features, helping customers reduce their premiums.
Cons
- Limited Availability: Amica has a limited geographic footprint, operating in fewer states compared to some larger insurers, which may restrict coverage options for some customers.
- Higher Premiums for Young Drivers: Young drivers may face higher premiums with Amica compared to other insurers, as the company tends to focus on more experienced and lower-risk drivers.
#6 – Nationwide: Best for Safe-Driving Discounts
Pros
- Variety of Coverage Options: Nationwide offers a wide range of coverage options, including specialized coverage for unique needs like classic cars or pet insurance, catering to diverse customer needs.
- Mobile App and Online Tools: Nationwide provides a user-friendly mobile app and online tools, allowing customers to manage their policies, file claims, and access resources conveniently.
- Strong Financial Stability: The Nationwide insurance review & ratings highlight the company’s strong financial stability, assuring policyholders that their claims will be handled promptly and efficiently.
Cons
- Average Customer Satisfaction Ratings: While Nationwide offers quality coverage and services, it may not consistently rank as high in customer satisfaction compared to some other insurers.
- Limited Availability of Certain Discounts: Some discounts offered by Nationwide, such as good student discounts or safe driver discounts, may not be as extensive or competitive as those offered by other insurers.
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#7 – Farmers: Best for Personalized Service
Pros
- Wide Range of Coverage Options: Farmers offers a variety of coverage options tailored to meet the needs of different drivers, providing flexibility and customization.
- Strong Financial Stability: Farmers insurance review & ratings highlights the company’s solid financial stability, showcasing its ability to pay out claims promptly and efficiently.
- Educational Resources: Farmers provides educational resources to help policyholders better understand their coverage options and make informed decisions about their insurance needs.
Cons
- Potentially Higher Premiums: While Farmers offers comprehensive coverage, its premiums may be higher compared to some other insurers, particularly for certain demographics or regions.
- Complex Claims Process: Some customers may find Farmers’ claims process to be complex or time-consuming, leading to frustration and delays in claim resolution.
#8 – Safeco: Best for Competitive Rates
Pros
- User-Friendly Online Platform: Saefeco’s user-friendly online platform makes it easy for customers to manage their policies, make payments, and access important documents.
- Quick Claims Processing: Saefeco has a reputation for quick and efficient claims processing, ensuring that policyholders receive timely assistance in the event of an accident or damage to their vehicle.
- Strong Customer Satisfaction: Safeco insurance review & ratings highlight the high customer satisfaction, demonstrating that policyholders are generally pleased with the company’s service and support.
Cons
- Limited Coverage Options: While Saefeco may offer competitive rates, it may have limited coverage options compared to some larger insurers, potentially leaving some customers with gaps in coverage.
- Potential for Rate Increases: Despite initially competitive rates, Saefeco’s premiums may be subject to increases over time, particularly if the company experiences financial challenges or changes in risk factors.
#9 – Allstate: Best for Comprehensive Coverage
Pros
- Multiple Coverage Options: Allstate insurance review & ratings showcase a wide range of coverage options, enabling customers to customize their policies to fit their specific needs.
- Strong Financial Stability: With its solid financial standing, Allstate provides customers with the assurance that their claims will be paid promptly and reliably.
- Discount Opportunities: Allstate offers various discounts, including bundling discounts, safe driver discounts, and discounts for vehicle safety features, helping customers save on their premiums.
Cons
- Higher Premiums: While Allstate offers extensive coverage options, its premiums tend to be higher compared to some other insurance providers.
- Mixed Customer Reviews: While many customers praise Allstate’s customer service, there are also some complaints regarding claim processing times and rate increases.
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#10 – Liberty Mutual: Best for Customizable Coverage
Pros
- Multi-Policy Discounts: Liberty Mutual review & ratings highlights their discounts for bundling multiple insurance policies, such as auto and home, offering savings to customers.
- Online Tools and Resources: Liberty Mutual provides convenient online tools and resources for managing policies, filing claims, and accessing policy documents.
- Strong Financial Stability: Liberty Mutual has a strong financial stability rating, assuring customers that their claims will be paid even in challenging economic times.
Cons
- Average Customer Service: While Liberty Mutual provides decent customer service, some customers have reported issues with responsiveness and claim processing times.
- Complex Claims Process: Some customers have found Liberty Mutual’s claims process to be complex and time-consuming, leading to frustration and delays in claim resolution.
Factors That Influence the Cost of Ford Fusion Car Insurance
The cost of car insurance for a Ford Fusion hinges on various factors. These include the driver’s age, driving record, location, credit score, annual mileage, and coverage level. Younger drivers, especially under 25, typically face higher premiums due to their higher accident risk.
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Additionally, a clean driving record can lead to lower rates, while past accidents or violations may increase costs. Insurers evaluate these factors to determine the risk associated with insuring a specific vehicle and driver combination.
Ford Fusion Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $85 $160
Amica $78 $150
Farmers $80 $155
Geico $76 $145
Liberty Mutual $88 $165
Nationwide $79 $152
Progressive $72 $148
Safeco $82 $158
State Farm $75 $154
Travelers $74 $153
For minimum coverage, rates range from $72 to $88 per month, with Progressive offering the lowest rate and Liberty Mutual the highest. For full coverage, rates range from $145 to $165 per month, with Geico offering the lowest rate and Liberty Mutual the highest.
These rates can vary based on factors such as the driver’s age, location, driving history, and credit score. It’s essential to compare quotes from multiple insurers to find the best coverage at the most competitive price. For additional details, explore our comprehensive resource titled “Types of Car Insurance Coverage.”
Understanding the Basics of Car Insurance for Ford Fusion
Understanding the basics of car insurance is crucial before exploring Ford Fusion insurance costs. Coverage types include liability, collision, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist coverage. To learn more, explore our comprehensive resource on insurance titled “Uninsured/Underinsured Motorist Insurance Coverage: A Complete Guide.”
Each type safeguards different aspects of your vehicle and yourself. Insurance rates can vary based on factors like age, driving record, location, and coverage level. Comparing quotes from various providers helps find the best coverage at an affordable price. Consider discounts like safe driver or multi-policy discounts for additional savings.
Discover an array of enticing car insurance discounts tailored for Ford Fusion owners from top providers. Allstate offers Safe Driver, New Car, Multi-Policy, Anti-Theft, Early Signing, and Good Student incentives. Amica provides loyalty rewards, claim-free benefits, multi-line discounts, and rewards for good student performance.
Geico stands out with discounts for multiple vehicles, defensive driving, and benefits for federal employees and military personnel. Liberty Mutual introduces perks including multi-policy savings, multi-car discounts, and incentives for good student performance. These diverse discounts cater to various aspects of insurance coverage, providing opportunities for substantial savings on Ford Fusion insurance premiums.
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Understanding the Varied Costs of Insuring a Ford Fusion Across States
The cost of insuring a Ford Fusion varies across states due to factors such as regulations, population density, and accident rates. Certain states with higher populations and accident rates tend to have higher premiums, while those with lower densities may offer lower rates.
Additionally, the car’s trim level affects insurance costs, with higher-end trims often having higher premiums due to perceived risk. Comparing insurance rates for different trim levels can help find the most cost-effective option. To delve deeper, refer to our in-depth report titled “How does the insurance company determine my premium?”
Tips for Finding Affordable Car Insurance for Your Ford Fusion
From maintaining a clean driving record to exploring discounts and bundling options, these strategies can help you secure the best insurance rates for your vehicle.
- Maintain a Clean Driving Record: Avoiding traffic violations and accidents can significantly reduce your insurance premiums. Safe driving habits demonstrate to insurers that you pose less risk, making you eligible for lower rates.
- Consider Bundling Policies: Combining your car insurance with other policies, like homeowner’s or renter’s insurance, with the same provider often results in discounted rates. Bundling allows insurers to offer you a more competitive overall price.
- Shop Around: Don’t settle for the first insurance quote you receive. Different providers offer varying rates and discounts, so it’s essential to explore multiple options. Comparing quotes from several insurers can help you identify the most affordable coverage for your Ford Fusion.
- Utilize Discounts: Inquire about available discounts, such as those for safe driving, anti-theft devices, or low mileage. Many insurers offer discounts that can significantly lower your premiums, so be sure to ask about all potential savings opportunities. For a thorough understanding, refer to our detailed analysis titled “Best Safe Driver Car Insurance Discounts.”
- Opt for Higher Deductibles: Choosing a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can also lead to lower monthly premiums. Assess your financial situation to determine if increasing your deductible is a viable option for lowering your insurance costs.
- Review Coverage Needs: Evaluate your coverage needs carefully. While it’s crucial to have adequate protection, you may be paying for coverage you don’t need. Adjusting your coverage limits and types can help you find a balance between protection and affordability.
- Consider Usage-Based Insurance: Some insurers offer usage-based insurance programs that track your driving habits using telematics devices. If you’re a safe driver, you could qualify for lower premiums based on your actual driving behavior.
- Maintain Good Credit: In many states, insurers consider your credit score when calculating premiums. Maintaining good credit can lead to lower insurance rates, so strive to manage your finances responsibly.
- Inquire About Ford Fusion-Specific Discounts: Some insurers offer discounts specifically tailored to Ford Fusion owners. Ask potential insurers if they provide any special offers or discounts for insuring your specific vehicle model.
- Review and Update Your Policy Annually: As your circumstances change, so do your insurance needs. Regularly review your policy and update it as necessary to ensure you’re getting the best coverage at the most affordable price.
Finding affordable car insurance for your Ford Fusion doesn’t have to be a daunting task. By following these expert tips, you can save money while ensuring your vehicle is adequately protected.
Remember to regularly review your policy and explore all available discounts to maximize your savings. With a bit of diligence and smart decision-making, you can hit the road with confidence knowing you’ve secured the best insurance coverage at the most affordable price.
Maximizing Savings and Protection for Your Ford Fusion Car Insurance
Exploring discounts for Ford Fusion insurance can save money. Providers offer discounts like good student and safe driver discounts. Comprehensive coverage protects against non-collision risks. Rates are affected by age, driving history, and location. Understand coverage types: liability, collision, and comprehensive. To expand your knowledge, refer to our comprehensive handbook titled “Collision Car Insurance: A Complete Guide.”
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When choosing an insurer, weigh pros and cons. Selecting the right deductible and leveraging safety features can lower costs. Avoid common mistakes like underinsuring the vehicle. Vehicle modifications can impact rates, so communicate with insurers. Explore specialized coverage options for comprehensive protection.
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Case Studies: Affordable Ford Fusion Car Insurance
From young drivers to families and seniors on a budget, discover how these savvy insurance shoppers managed to secure comprehensive coverage without breaking the bank.
- Case Study #1 – Young Driver Savings: Sarah, 22, found affordable insurance for her Ford Fusion by researching online, leveraging discounts, and choosing a State Farm policy at $90/month, ensuring coverage without breaking the bank.
- Case Study #2 – Family Savings Bundle: The Johnsons saved money by bundling their Ford Fusion with their other vehicles through Allstate, ensuring comprehensive coverage and additional discounts for safe driving and good academic performance.
- Case Study #3 – Senior Citizen Savings: Bill, a retired senior on a budget, seeks affordable insurance for his Ford Fusion. He shops online, finds Progressive offering comprehensive coverage at $80/month, easing financial worries.
These case studies show that with a bit of research and smart decision-making, it’s possible to find affordable insurance for your Ford Fusion.
Jimmy McMillan Licensed Insurance Agent
Whether you’re a young driver, a family looking to bundle policies, or a senior on a budget, there are options out there that can meet your needs without costing a fortune. Keep these tips in mind as you shop around for your own car insurance policy. To gain profound insights, consult our extensive guide titled “Can I bundle my car insurance with other policies?”
The Bottom Line: Navigating Ford Fusion Insurance Costs
The cost of Ford Fusion car insurance is influenced by multiple factors such as age, driving history, location, credit score, and coverage requirements. Understanding these factors and exploring various options available can help you find the best insurance coverage at an affordable price.
By making informed decisions and considering the points mentioned in this article, you can ensure adequate protection for your Ford Fusion while managing your insurance costs effectively. For a comprehensive overview, explore our detailed resource titled “Full Coverage Car Insurance: A Complete Guide.”
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code below into our free comparison tool to find the lowest prices in your area.
Frequently Asked Questions
Is insurance high on Ford Fusion?
The insurance for a Ford Fusion is generally affordable compared to luxury or sports cars. Rates can vary based on factors like the driver’s age, driving history, and location. Providers like Progressive, Travelers, and State Farm offer competitive rates, starting as low as $72/month.
What is the cheapest Ford to insure?
Typically, the Ford Fiesta and Ford Focus are among the cheapest Ford models to insure. These vehicles often have lower insurance premiums due to their lower cost and favorable safety ratings.
Take the first step toward cheaper car insurance rates. Enter your ZIP code below to see how much you could save.
Who is offering the cheapest car insurance?
Progressive is noted as the top overall pick for cheap Ford Fusion car insurance, with rates starting at $72/month. Travelers and State Farm are also among the top providers offering competitive rates.
Check out our ranking of the top providers: Cheapest Car Insurance Companies
What insurance group is a Ford Fusion?
The Ford Fusion generally falls into the mid-range insurance groups. These groups can vary slightly depending on the specific model and year, but they are typically between groups 16 and 23.
Is Ford Fusion expensive to maintain?
The Ford Fusion is not considered overly expensive to maintain. Routine maintenance costs are reasonable, and parts are generally affordable compared to luxury brands. However, maintenance costs can vary based on the vehicle’s age, mileage, and usage.
At what age is car insurance cheapest?
Car insurance rates are generally cheapest for drivers aged 50 to 65. These drivers are often seen as lower risk due to their extensive driving experience and typically safe driving habits.
For a comprehensive analysis, refer to our detailed guide titled “What age do you get cheap car insurance?”
What is the lowest form of car insurance?
The lowest form of car insurance is liability-only coverage. This type of insurance covers damages to other people and their property in the event of an accident where you are at fault. It does not cover damages to your own vehicle.
What is the highest risk age for car insurance?
The highest risk age for car insurance is typically for drivers under 25. These drivers often face higher premiums due to their inexperience and statistically higher likelihood of being involved in accidents.
What car is best for a 17-year-old?
For a 17-year-old, cars with high safety ratings, good fuel efficiency, and low insurance costs are ideal. Examples include the Ford Fiesta, Honda Civic, and Toyota Corolla. These vehicles are reliable, affordable to maintain, and have lower insurance premiums.
For a comprehensive overview, explore our detailed resource titled “Safety Insurance Car Insurance Discounts.”
Which insurance cover is best for a car?
The best insurance cover for a car often depends on individual needs and circumstances. Full coverage, which includes liability, collision, and comprehensive coverage, offers extensive protection. It is especially beneficial for newer or more valuable vehicles, providing coverage for a wide range of potential damages and losses.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
