Who Has the Cheapest Insurance for a Ford Fusion in Texas?

The likelihood of finding affordable insurance for a Ford Fusion in Texas is dependent upon an enormous amount of rating factors such as when you were born, what you do for a living, and any driving offenses on your record. Drivers pay on average $1,250 each year for Fusion insurance, but that figure is using rate data for a 50-year-old married male driver who purchased full comprehensive and collision coverage and $100 deductibles.

There is a high probability that you may not be 50 years old (or even male), maybe you are single instead of married, or you want lower deductibles. Making even small differences in rating variables can precipitate large changes in how much insurance for a Ford Fusion costs.

Every driver has a different risk profile, so the most reliable method for finding cheap insurance rates for your Ford is to shop your policy around at every renewal. It takes less than five minutes and you can get prices from the best auto insurance companies in Texas.

Compare Rates and Save

The trim level of your Ford tends to impact the cost of coverage, so the price you pay to insure a Fusion S 4-Dr Sedan model will be $244 less expensive the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan trim level, as shown in the prices below.

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, multi-vehicle, and homeowner. Table data does not factor in Texas location which can decrease or increase prices substantially.

Establishing which company offers the cheapest car insurance rates for a Ford Fusion will take a tad more effort in order to find a policy that fits your budget.

Each company has a different formula to determine rates, so we need to take a look at the car insurance companies with the most affordable rates in Texas.

Lowest Insurance Price Quotes for Your Fusion

Start Your Free Quote

Travelers quotes some of the best car insurance rates in Texas at around $1,021 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also make the list of some of the most economical Texas car insurance companies.

As the example above demonstrates, if you are currently insured with Texas Farm Bureau and switched to Travelers, you could earn an annual savings of about $190. Policyholders with Germania Mutual could save as much as $261 a year, and Esurance policyholders might lower prices by $400 a year.

To get a quick, customized rate comparison, click here to get a free quote or quote prices from the following companies.

Be aware that those prices are averages across all types of insureds and vehicles and and are not figured with a specific rating modification for a Ford Fusion. So the company that fits your needs best may not even be included in the list of companies above. That helps illustrate why you need to compare rates from multiple companies using your own personal information and vehicle type.

The diagram below highlights how deductible choice can influence insurance costs when getting quotes for cheap insurance for a Ford Fusion. Data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 4217,3823,3389,2977],[‘Age 30’, 2213,2007,1767,1539],[‘Age 40’, 2113,1921,1703,1493],[‘Age 50’, 1933,1759,1561,1373],[‘Age 60’, 1899,1727,1535,1349],[‘Age 70’, 2169,1983,1777,1581]]);var options = {title: ‘Effect of Deductibles on Ford Fusion Insurance Rates in Texas’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could save $410 a year by changing from a $100 deductible to a $500 deductible, or save $620 by using a $1,000 deductible. Younger drivers, like the age 20 example, could lower their rates $1,240 every year by using a higher deductible.

When choosing a higher deductible, it is necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Get discount Texas insurance

Auto insurance companies that provide the cheapest insurance for a Ford Fusion in Texas may also give you premium discounts that could reduce prices by 25% or more if you meet certain criteria. A few popular companies and their offered discounts include:

• GEICO policyholders can earn discounts including driver training, defensive driver, seat belt use, multi-policy, air bags, and federal employee.
• SAFECO has discounts for teen safe driver, anti-theft, drive less, safe driver, and accident prevention training.
• State Farm offers premium reductions for Drive Safe & Save, anti-theft, accident-free, good student, and student away at school.
• MetLife may offer discounts for defensive driver, multi-policy, claim-free, good driver, and accident-free.
• 21st Century has savings for teen driver, 55 and older, defensive driver, driver training, air bags, and student driver.
• Progressive includes discounts for homeowner, online signing, online quote discount, multi-vehicle, multi-policy, continuous coverage, and good student.

The information below illustrates the difference between insurance prices with and without discounts applied to the policy premium. The premiums assume a male driver, no violations or claims, Texas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with vehicle safety, safe-driver, claim-free, homeowner, marriage, and passive restraint discounts applied. With discounts applied, the the amount saved on car insurance for a Ford Fusion is 28% or $601.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3687,2645],[‘Age 30’, 1915,1389],[‘Age 40’, 1883,1363],[‘Age 50’, 1719,1241],[‘Age 60’, 1665,1203],[‘Age 70’, 2053,1477]]);var options = {title: ‘Effect of Discounts on Insurance Price for a Ford Fusion’,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 Texas’,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(‘qcibdisc’));chart.draw(data, options);}

Find the cheapest insurance for a Ford Fusion in Texas

It is possible to find better rates, and here are some of the better money-saving solutions that can help you get the cheapest coverage.

• Drop full coverage on older vehicles
• Save money by staying claim-free
• Do not get tickets
• Remain accident-free and save
• Higher deductibles mean lower rates
• Compare rates regularly and switch companies to save money

That last piece of advice is extremely vital, as was stressed in the prior information. Auto insurance rates vary greatly, so don’t be afraid to switch to a new company if you can save money.

Sticking with a specific company is fine, but we do not recommend it if that inflexibility results in costing you a small fortune year after year. Take a couple minutes and compare prices to find cheaper car insurance for a Ford Fusion.

Is Allstate, Progressive, Geico, or State Farm cheaper?

If you are looking for the best insurance for a Fusion in Texas, four of the best places to start are Allstate, Progressive, Geico, and State Farm. All four offer physical damage and liability coverage, but each has slightly different coverages and options that you can select from. The following table illustrates pricing and service ratings, as well as optional policy coverages you can buy with each company.