How Much is Insurance for a Ford Fusion in Idaho?

Finding the cheapest auto insurance for a Ford Fusion in Idaho depends on a complex formula that considers things such as if you have purchased a home, where you live, and if you have any chargeable driving offenses. Drivers on average will pay $880 every 12 months to insure a Ford Fusion, but that is a ballpark figure calculated based on a 30-year-old married female driver that wants full comprehensive and collision coverage and $100 deductibles.

But there is a good chance that you are not 30 and maybe not even a female, possibly single instead of married, and you don’t want the same coverages and limits as the example. Just a slight change in the criteria used to calculate rates can lead to a big change in rates.

Auto insurance requires individual risk assessment, so the best way to quote the cheapest coverage for your Ford is to get into the habit of shopping around regularly.

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The trim level of your vehicle tends to have a direct impact on the coverage cost, so the cost to insure a Fusion S 4-Dr Sedan trim level will cost $180 less than the cost to insure the more expensive Fusion Sport AWD 4-Dr Sedan trim level, as shown in the chart below.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Idaho minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Premium costs do not factor in vehicle garaging location which can alter insurance rates considerably.

Which car insurance company is best in Idaho?

Choosing a good quality insurance company can be challenging considering how many companies provide coverage in Idaho. The company rank data displayed below may help you choose which insurers you want to consider comparing rates from.

These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not taken into consideration for this list. To view rates from the insurers below and more, follow this link.

Top 10 Large Auto Insurance Companies Overall in Idaho

1. USAA
2. American Family
3. State Farm
4. The Hartford
5. AAA Insurance
6. GEICO
7. The General
8. Progressive
9. Allstate
10. Nationwide

Top 10 Large Auto Insurance Companies in Idaho Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Progressive
5. The General
6. Allstate
7. AAA Insurance
8. American Family
9. Nationwide
10. Travelers

Top Companies for Ford Fusion Insurance in Idaho

Should you buy full coverage?

Finding cheap insurance for a Ford Fusion in Idaho is probably important to the majority of drivers, and one way to buy cheap insurance is to not buy full coverage. The chart below compares car insurance costs with and without full coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no policy discounts are applied.

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If we average all the age groups together, comprehensive and collision coverage on your policy costs $1,430 per year more than buying just liability insurance. That is a large expense which might make you wonder if it’s a good idea to buy full coverage. There is no definitive rule of when to exclude full coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s say your vehicle’s settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would receive is $6,000 after you pay the deductible. If it’s costing you more than $600 annually for physical damage coverage, then it could be time to drop full coverage.

There are some conditions where only buying liability is not in your best interest. If you still owe money on your vehicle, you have to maintain full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Why it’s important to shop around

Idaho car insurance rates are based on many factors which can substantially change the price you have to pay for coverage. Turning one year older, moving to a new city, or getting caught speeding can trigger rate changes resulting in some rates now being more affordable than the competition.

Additionally, insurers change premium rates every year to adjust for unexpected claims or profits. Significantly higher losses can result in rate increases, while a better claims history can produce cheaper Fusion insurance rates.

As an example, the bar chart below shows the cheapest car insurance in Idaho for a 35-year-old male driver with no accidents or violations, and excellent credit. If we compare prices based on his current risk profile, American National might quote the best car insurance rates in Idaho at $247 each year. This is $778 less than the average policy premium paid by Idaho drivers of $1,025. Farm Bureau of ID Group, USAA, Oregon Mutual, and American Family are the rest of the most affordable Idaho auto insurance companies.

google.charts.setOnLoadCallback(drawIDWitcqcibChart);function drawIDWitcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘American National’, 247, ‘#187C6B’],[‘Farm Bureau of ID Group’, 528, ‘#146759’],[‘USAA’, 546, ‘#10554A’],[‘Oregon Mutual’, 658, ‘#0D463D’],[‘American Family’, 706, ‘#0A3A32’]]);var options = {title: ‘Cheapest Insurance for a Ford Fusion’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:806,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwitc’));chart.draw(view, options);}

The next chart shows rates after we give the driver from above a chargeable accident, less-than-perfect credit, and a few blemishes on his driving record. Because each insurer uses their own method to determing premium rates, getting updated rate quotes may now result in a slightly different list of the cheapest car insurance companies in Idaho as shown below.

google.charts.setOnLoadCallback(drawIDWcqcibChart);function drawIDWcqcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }],[‘Auto-Owners’, 783.2, ‘#F57E00’],[‘The Hartford’, 799.7, ‘#CC6900’],[‘USAA’, 819, ‘#AA5700’],[‘Farm Bureau of ID Group’, 844.8, ‘#8D4800’],[‘American National’, 870.5, ‘#753C00’]]);var options = {title: ‘Best Rates for Imperfect Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 300,’chartArea’:{left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:970.5,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibwc’));chart.draw(view, options);}

Auto-Owners now has the cheapest price in Idaho with The Hartford, USAA, Farm Bureau of ID Group, and American National now being in the top five. This example shows why consumers need to take the time to shop around when trying to find affordable auto insurance rates for a Ford Fusion. Rates can be altered by many different factors and change frequently, so the best price the last time you compared rates may now be an over-priced policy.

How to find cheap insurance for a Ford Fusion in Idaho

It is possible to find better rates, and here are some penny-pinching ideas that can help you quote cheap coverage.

• Better credit rating means better rates
• Full coverage may not be needed on older vehicles
• Prevent rate increases by staying accident-free
• Do not get traffic citations
• Drive a car with a high safety rating
• Increase your policy deductibles
• Ensure you have the best deal by shopping around regularly

That last piece of advice is extremely valuable, as we hit on in the prior information. Insurance rates in Idaho vary considerably, so drivers shouldn’t hesitate to switch to a new company if a more affordable price is available.

Having a favorite company is fine, but it’s not a good idea if that devotedness results in you overpaying potentially thousands of dollars a year. In just a few minutes you could shop around to find cheaper insurance for a Ford Fusion.