Buying economical insurance for a Ford Fusion depends on a fairly complex equation with a lot of factors such as your gender, your profession, and your motor vehicle report. Drivers in California pay on average $1,140 annually for Fusion insurance, but that cost is using a 50-year-old married female driver with full coverage and $500 deductibles.
The issue that arises when projecting rates is that it’s very likely that you are not 50 and maybe not even a female, possibly single instead of married, and you need different coverage limits than the sample rates. Even a slight change in rating variables could end up with a large change in the cost of insuring your Fusion.
Everone’s needs are different, and this illustrates why the only way to find the most affordable coverage for your Ford is to put in the effort to do a thorough rate comparison. Quotes are free and you will be able to compare rates from top-rated companies that sell coverage in California.
Your Ford’s trim level will most likely have an effect on the cost of insurance, so the price to insure a Fusion S 4-Dr Sedan model will be $190 less than the cost to insure the higher-end Fusion Sport AWD 4-Dr Sedan trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $214 | $386 | $416 | $24 | $124 | $1,164 | $97 |
| Fusion SE 4-Dr Sedan | $242 | $454 | $416 | $24 | $124 | $1,260 | $105 |
| Fusion Hybrid 4-Dr Sedan | $242 | $522 | $520 | $30 | $156 | $1,470 | $123 |
| Fusion SEL 4-Dr Sedan | $242 | $454 | $416 | $24 | $124 | $1,260 | $105 |
| Fusion Sport 4-Dr Sedan | $242 | $454 | $416 | $24 | $124 | $1,260 | $105 |
| Fusion SEL AWD 4-Dr Sedan | $268 | $522 | $416 | $24 | $124 | $1,354 | $113 |
| Fusion Sport AWD 4-Dr Sedan | $268 | $522 | $416 | $24 | $124 | $1,354 | $113 |
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Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Information does not factor in your specific Fresno location which can raise or lower insurance rates greatly.
Finding dependable, reasonably-priced auto insurance is easier said than done, and deciding which companies have the best car insurance rates for a Ford Fusion involves a little more work. Every auto insurer has a proprietary method for determining rates, so to begin we’ll rank the most budget-friendly car insurance companies in Fresno, CA.
Best Insurance Companies for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,503 |
| 9 | Allstate | $1,513 |
| 10 | GEICO | $1,529 |
| 11 | Allied | $1,541 |
| 12 | Progressive | $1,542 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the most affordable car insurance rates in Fresno at around $1,143 each year. This is $508 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the cheapest Fresno, CA auto insurance companies.
As the example above demonstrates, if you currently buy coverage from Century National and switched to USAA, you could see annual savings of around $47. California drivers with CSAA might save as much as $55 a year, and Nationwide policyholders might cut rates by $120 a year.
Understand that those premiums are averages for all types of insureds and vehicles and do not take into consideration a vehicle location for a Ford Fusion. So the car insurance company that has the cheapest price for you may not even be in the top 24 companies in the list above. That’s why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
Cost comparison with and without full coverage
Finding the cheapest car insurance is probably important to the majority of people, and one of the easiest ways to find cheap insurance for a Ford Fusion is to not pay for full coverage. The diagram below compares annual premium costs with full physical damage coverage and with liability coverage only. The information is based on no accidents or driving violations, $100 deductibles, single status, and no discounts are applied to the premium.
As an average for all age groups, physical damage coverage costs $3,820 per year more than carrying just liability coverage. That is a big expense that brings up the question if physical damage coverage is worth the money. There isn’t a steadfast formula to delete physical damage coverage, but there is a general convention. If the yearly cost for physical damage coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.
Why you should be shopping around
Fresno car insurance rates are impacted by many things that may substantially change the price of your policy. Improving your credit rating, marrying your spouse, or having an at-fault accident may prompt premium changes resulting in some companies being more affordable than the competition.
In addition to those changes, car insurance companies file new California auto insurance rates every year to reflect underwriting profits or losses. Significantly higher losses may cause rate hikes, while lower claim levels can produce cheaper Fusion insurance rates.
To illustrate this example, the graph below shows rates for the cheapest car insurance in Fresno, CA for a 30-year-old female driver with no prior claims, no tickets, and solid credit. Based on her personal risk profile, USAA has the best car insurance rates in Fresno at $1,277 a year. This is $374 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining top five cheapest Fresno, CA auto insurance companies.
The next chart shows rates after we give the driver from the above example a chargeable claim, a lower credit rating, and a couple of points charged on her driving record. Due to the fact that every auto insurer has their own unique process for setting rates, comparing quotes may now result in a different ranking of the cheapest companies as shown below.
Grange now has the cheapest car insurance in Fresno with Mercury, Allied, Progressive, and Allstate now rounding out the top five. This example proves why it is critical to perform an extensive rate comparison when trying to find the most budget-friendly insurance rates for a Ford Fusion. Car insurance prices can be altered by many risk factors and can decrease or increase without notice, so the most affordable company three years ago may now be wasting a lot of money.