Buying affordable insurance for a Ford Fusion in California is usually pretty straightforward, but it hinges on a large number of factors such as age of the driver, if you are a frequent claim filer, and your motor vehicle report. Drivers will pay around $1,665 each year for Fusion insurance, but that figure is an estimation based on a 30-year-old married male driver with both comprehensive and collision coverage and $100 deductibles.
Odds are that you are not 30 years old and maybe not even male, possibly single instead of married, or maybe you want different physical damage deductibles. Not every driver requires the same auto insurance coverages, so the best way to find the most affordable coverage for your Ford is to compare as many rates as possible. It takes less than five minutes and you will be able to compare rates from top-rated car insurance companies in California.
Cheapest Ford Fusion Insurance Rates
Your Ford’s trim level will be a contributing factor to the yearly cost, so the cost to insure a Fusion S 4-Dr Sedan model will be $344 cheaper than the price to insure the more expensive Fusion Sport AWD 4-Dr Sedan model, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $380 | $686 | $442 | $26 | $132 | $1,666 | $139 |
| Fusion SE 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,840 | $153 |
| Fusion Hybrid 4-Dr Sedan | $430 | $932 | $552 | $32 | $166 | $2,112 | $176 |
| Fusion SEL 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,840 | $153 |
| Fusion Sport 4-Dr Sedan | $430 | $810 | $442 | $26 | $132 | $1,840 | $153 |
| Fusion SEL AWD 4-Dr Sedan | $478 | $932 | $442 | $26 | $132 | $2,010 | $168 |
| Fusion Sport AWD 4-Dr Sedan | $478 | $932 | $442 | $26 | $132 | $2,010 | $168 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Table data does not factor in specific Los Angeles garaging location which can change prices substantially.
Buying coverage from the best company can be a challenge considering how many choices there are in Los Angeles. The company ratings shown below may help you choose which providers you want to consider when shopping car insurance rates for a Ford Fusion. The rankings below only include the largest companies in America, so smaller regional companies are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Discount Los Angeles auto insurance
Car insurance companies that provide policies for a Ford Fusion may also give you rate discounts that could lower prices by as much as 35% if you are eligible. A few popular companies and some of their more popular discounts are shown below.
- GEICO may have discounts that include driver training, multi-policy, defensive driver, anti-theft, seat belt use, five-year accident-free, and multi-vehicle.
- Travelers has savings for good student, payment discounts, IntelliDrive, new car, early quote, and driver training.
- Farm Bureau policyholders can earn discounts including 55 and retired, multi-vehicle, renewal discount, driver training, good student, and multi-policy.
- Liberty Mutual offers premium reductions for multi-policy, exclusive group savings, multi-car, new vehicle discount, teen driver discount, safety features, and good student.
- American Family may offer discounts for TimeAway discount, early bird, good student, Steer into Savings, multi-vehicle, and accident-free.
- Progressive discounts include multi-vehicle, online quote discount, continuous coverage, multi-policy, online signing, and homeowner.
The chart below compares auto insurance costs with and without discounts applied. Data assumes a female driver, no claims or violations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with vehicle safety, multiple policy, defensive driving course, multiple vehicle, homeowner, and accident-free discounts applied. When these discounts are applied, theaverage yearly reduction on auto insurance for a Ford Fusion is 28% or $1,009.
Cost comparison with and without full coverage
Lowering the price of auto insurance is the goal of the majority of people, and one way to pay lower rates for insurance for a Ford Fusion is to buy only liability coverage. The example below compares insurance costs with full physical damage coverage compared to only buying liability only. The premiums are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are factored in.
If the expense is averaged for all age categories, comprehensive and collision coverage on your policy costs $3,572 per year more than just insuring for liability. That is a large expense and it proposes the question if full coverage is worth the money. There is no exact formula of when to exclude full coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.
There are some scenarios where removing full coverage is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should keep full coverage on your policy.
Bad driving habits will cost you more
The easiest method to find low auto insurance rates in California for a Fusion is to drive cautiously and avoid traffic citations and accidents. The illustration below demonstrates how citations and at-fault fender-benders can raise auto insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The chart shows that the average cost of a car insurance policy per year with a clean driving record and no accidents is $3,614. Factor in two speeding tickets and the average cost hikes up to $4,875, an increase of $1,260 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Fusion increases to an average of $6,168. That’s an increase of $2,554, or $213 per month, just for not being attentive to the road!