Cheapest Insurance for a Ford Fusion in Florida

When discussing auto insurance, the word affordable should never be used anywhere in the article as a descriptor for car insurance rates. Sad but true, cheap auto insurance for a Ford Fusion is just plain contradictory. But don’t let that discourage you, because we will teach you how you can still find and buy coverage that is more budget-friendly.

Your chances of finding affordable car insurance for a Ford Fusion in Florida depends upon a pretty complex algorithm that uses a lot of factors like the safety features of your vehicle, if you are currently insured, and your choice of physical damage deductibles. Drivers pay approximately $1,070 a year to insure a Ford Fusion, but that is a ballpark figure based on cost data for a 40-year-old married female who purchased full comprehensive and collision coverage and $1,000 deductibles.

There’s a high likelihood you are not a 40-year-old female, single instead of married, and you might want liability-only or different deductibles. Having what appears to be a very minor change in policy rating criteria or coverages can result in a large change in the rate quoted for a Ford Fusion.

Everone’s needs are different, and this illustrates why the best way to quote affordable rates for your Ford is to put in the effort and compare rates. Do a quick rate comparison now and you will receive price comparisons from top-rated car insurance companies that insure Ford vehicles in Florida.

Cheapest Ford Fusion Insurance Rates

The specific model of Fusion impacts the coverage cost, so the cost to insure a Fusion S 4-Dr Sedan trim level will be $164 less than the cost to insure the more costly Fusion Sport AWD 4-Dr Sedan trim level, as demonstrated by the prices below.

Above prices assume married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Prices do not factor in Florida location which can raise or lower coverage rates significantly.

Finding decent, cheap insurance is not easy, and finding out which companies quote the cheapest car insurance rates for a Ford Fusion requires even more perseverance. Each company uses different criteria to determine rates, so we need to take a look at the most budget-friendly car insurance companies in Florida.

Best Insurance Companies for Your Fusion

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USAA may offer some of the most affordable car insurance rates in Florida at around $977 annually. Amica, Electric, Progressive, and Travelers also are some of the cheapest Florida car insurance companies.

As shown above, if you currently have a policy with Electric and switched to USAA, you could realize a yearly savings of in the vicinity of $787. Insureds with Progressive might save as much as $870 a year, and Travelers customers might see rate reductions of $892 a year.

These policy rates are averages across all drivers and vehicles and do not factor in a specific rate factor for a Ford Fusion. So the auto insurance company that has the cheapest rates for you may not even be included in the above list. That’s why you need to quote rates from as many companies as possible using your own individual information.

Discounts on Florida auto insurance rates

Car insurance companies that sell the cheapest insurance for a Ford Fusion in Florida may have special discounts that could potentially reduce rates by as much as 35% if you qualify. A few popular companies and a summarized list of policyholder discounts can be found below.

The diagram below compares car insurance rates with and without policy discounts. The prices are based on a male driver, no violations or claims, Florida state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, defensive driving course, multiple vehicle, marriage, homeowner, and anti-theft discounts applied. When discounts are factored in, the the amount saved on car insurance for a Ford Fusion is % or $.

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Company comparison: Geico vs Allstate vs State Farm vs Progressive

When comparing rates for insurance for a Fusion in Florida, the top insurers to get price quotes from are Geico, Allstate, State Farm, and Progressive. They all have slightly different coverage options that shoppers can select from. The data below ranks ratings for price and service, as well as some optional coverages that you can purchase from each one.