Ford Fusion insurance cost image courtesy of QuoteInspector.com
Finding the best cheap coverage for a Ford Fusion in California is dependent upon a complex formula that considers things such as age of the vehicle, your occupation, and if you have a history of accidents. Drivers in California pay on average $1,506 a year for Fusion insurance, but that is calculated based on a 30-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
It's highly likely you are not 30 and maybe not even a male, single instead of married, and maybe you want different deductibles. Insurance is an individual thing, so the only real way to find the cheapest coverage for your Ford is to compare as many rates as possible.
The trim level of your Ford tends to impact the yearly cost, so the price you will pay to insure a Fusion S 4-Dr Sedan will cost $292 less than the cost to insure the high end Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $342 | $576 | $442 | $26 | $132 | $1,518 | $127 |
| Fusion SE 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Fusion Hybrid 4-Dr Sedan | $386 | $780 | $552 | $32 | $166 | $1,916 | $160 |
| Fusion SEL 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Fusion Sport 4-Dr Sedan | $386 | $678 | $442 | $26 | $132 | $1,664 | $139 |
| Fusion SEL AWD 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,810 | $151 |
| Fusion Sport AWD 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,810 | $151 |
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rate information does not factor in specific location which can lower or raise rates noticeably.
Best auto insurance in San Diego
Ending up with the highest-rated insurer is hard considering how many companies sell insurance in San Diego. The company rank data in the next section could help you pick which car insurance companies to look at when trying to find cheaper insurance for a Ford Fusion. The ratings below are only comprised of companies with a national presence, so companies with more of a regional focus are not included in this 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Discount San Diego insurance
Auto insurance companies that sell policies for a Ford Fusion may have price discounts that can reduce rates by 30% or more if you are eligible. The best auto insurance companies and their offered discounts are detailed below.
- Mercury Insurance discounts include low natural disaster claims, ease of repair, multi-car, professional/association, and accident-free.
- Farmers Insurance may include discounts for alternative fuel, distant student, youthful driver, pay in full, good student, switch companies, and multi-car.
- Farm Bureau offers discounts for driver training, youthful driver, good student, multi-vehicle, and safe driver.
- State Farm policyholders can earn discounts including Steer Clear safe driver discount, student away at school, Drive Safe & Save, good driver, multiple policy, driver's education, and anti-theft.
- Allstate may offer discounts for eSmart discount, premier plus, multi-policy, premier discount, and farm vehicle.
- GEICO has savings for seat belt use, anti-theft, military active duty, multi-policy, daytime running lights, anti-lock brakes, and membership and employees.
The chart below shows the difference between annual premium costs with and without discounts being applied to the rates. The data assumes a female driver, a clean driving record, no claims, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, defensive driving course, multiple policy, anti-theft, accident-free, and homeowner discounts applied. When these discounts are applied to the policy premium, theamount saved on auto insurance for a Ford Fusion is 28% or $933.
How much more does full coverage cost?
Lowering the price of auto insurance is important to most drivers, and one easy way to buy cheap insurance for a Ford Fusion is to only buy liability insurance. The example below illustrates the difference between auto insurance rates with full coverage and liability only. The premiums assume no claims, a clean driving record, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Averaged for all ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $2,341 per year more than just buying liability only. That may make you wonder when is it safe to stop buying full coverage. There is no specific rule of when to drop full coverage, but there is a guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.
There are a few situations 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 keep the loan. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.
The professional agents shown below can probably provide answers to your questions and help you determine which insurance coverage will be best for you, as many consumers aren't sure which coverage to buy and prefer to have a little guidance when shopping around for cheaper insurance for a Fusion. It can be challenging to find the cheapest rates, so agents can bring satisfaction knowing your policy gives you enough protection.
To find an auto insurance agency in your neighborhood, click the button at the bottom of the list.
Bill Flanigan - State Farm Insurance Agent
8888 Clairemont Mesa Blvd n - San Diego, CA 92123 - (858) 279-2173
Allstate Insurance: PGC Insurance Agency
6919 Paradise Valley Rd, # A9 - San Diego, CA 92139 - (619) 773-2300
Matt Kalla - State Farm Insurance Agent
4148 Voltaire St - San Diego, CA 92107 - (619) 223-1629
Kostyo Insurance Agency
4456 Vandever Ave #10 - San Diego, CA 92120 - (619) 325-3600
Barney and Barney Insurance Services LLC
9171 Towne Centre Dr Suite 500 - San Diego, CA 92122 - (800) 321-4696
View more San Diego, CA insurance agencies
How to find budget-friendly auto insurance for a Ford Fusion
It is possible to find better rates, and here are some money-saving ideas that can help you buy low-cost car insurance.
- Avoid having at-fault accidents
- Home or renters coverage can save on auto insurance
- Drive vehicles with five-star safety ratings
- Drop full coverage on older vehicles
- Good credit can mean cheaper rates
- Shop around for cheaper prices often
That last piece of advice is very critical, as was stressed in the article above. Auto insurance rates adjust often, so drivers shouldn't hesitate to buy a policy from a new company if you find a cheaper price.
Loyalty to a specific company is fine, but it's not recommended if that loyalty ends up costing a small fortune. Take a couple minutes and compare prices and find cheaper insurance for a Ford Fusion in San Diego.