Cheapest Insurance Quotes for a Ford Fusion in New York

The chances that you’ll find affordable car insurance for a Ford Fusion in New York relies on lots of different factors like the safety features of your vehicle, whether or not you have filed claims in the past, and driving citations. Drivers in New York on average will pay $780 per year to insure a Ford Fusion, but that policy rate is based on a 40-year-old married female driver that included full comprehensive and collision coverage and $500 deductibles.

There is a good possibility you are not exactly 40 years old and possibly not even female, single instead of married, and you might want liability-only or different deductibles. Even a minor change in the rating criteria used to formulate rates can create big changes in price quotes.

Everone’s needs are different, and this illustrates why the way we recommend to find cheap insurance prices for your Ford is to compare rates from as many companies as possible. Get a free quote now and you will receive price comparisons from top-rated companies that insure vehicles in New York.

View Ford Fusion Insurance Rates

Your Ford’s trim level has an effect on the insurance rate, so the rate you pay to insure a Fusion S 4-Dr Sedan model will be $136 cheaper than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.

Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in New York location which can increase or decrease prices considerably.

Ratings for New York car insurance companies

Buying coverage from a high-quality insurance provider can be rather challenging considering how many companies provide coverage in New York. The company ratings in the next section can help you select which auto insurance companies to look at when comparing rates.

The ratings below only include companies that insure vehicles across America, so companies that only write business in New York or surrounding areas are not factored into the list. To compare rates from the most competitive companies in New York, follow this link.

Top 10 Major Auto Insurers Overall in New York

1. The General
2. Mercury Insurance
3. The Hartford
4. Progressive
5. Travelers
6. State Farm
7. Farmers Insurance
8. Erie Insurance
9. Safeco Insurance
10. USAA

Top Companies for Ford Fusion Insurance in New York

Reckless driving habits raise New York car insurance rates

One of the best ways to obtain the cheapest insurance for a Ford Fusion in New York is to drive safely and avoid getting tickets or having accidents. The illustration below shows how speeding tickets and at-fault claims influence yearly insurance costs for different age groups of insureds. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 2363,2879,4817],[‘Age 30’, 1237,1753,3689],[‘Age 40’, 1191,1709,3649],[‘Age 50’, 1093,1609,3549],[‘Age 60’, 1073,1591,3529],[‘Age 70’, 1243,1759,3697]]);var options = {title: ‘Effect of Tickets and Claims on New York Ford Fusion Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The chart shows that the average cost of auto insurance in New York per year with a clean driving record and no accidents is $1,367. Get written up for two speeding tickets and the average cost increases to $1,883, an increase of $517 each year. Then include two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Fusion jumps again to an average of $3,822. That’s an increase of $2,455, or $205 per month, just for being a little careless behind the wheel!

Do you need full coverage?

Finding the cheapest insurance for a Ford Fusion in New York is probably important to most people, and one of the best ways to pay lower rates for insurance is to buy liability only. The illustration below illustrates the difference between premium costs with full physical damage coverage compared to only buying liability only. The rates are based on no accidents, no driving violations, $250 deductibles, single status, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 3085,945],[‘Age 30’, 1601,523],[‘Age 40’, 1585,485],[‘Age 50’, 1443,453],[‘Age 60’, 1395,447],[‘Age 70’, 1687,595]]);var options = {title: ‘Full Coverage Compared to Liability Only’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in New York’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

As an overall average, physical damage coverage on your policy costs $1,799 per year more than just buying liability only. That touches on the question if it’s a good idea to buy full coverage. There is no definitive rule to eliminate full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then you may want to consider only buying liability coverage.

Allstate, Geico, State Farm, and Progressive: Who is cheapest?

If you are looking for the best insurance for a Fusion, the companies with the most market share are Allstate, Geico, State Farm, and Progressive. The following table ranks some of the different features shoppers can expect to find with each one.