Cheap Insurance for a Ford Fusion in Pennsylvania

Our editors have a joke that when writing about auto insurance, the words cheap or affordable should never appear anywhere in the article. Unfortunately, cheap auto insurance for a Ford Fusion can be extremely hard to find. Don’t let that spoil your day, because we will show you how you can still find insurance that fits into your budget.

Whether or not you can find the best cheap auto insurance for a Ford Fusion in Pennsylvania hinges on a calculation that uses factors such as your age, whether you have good credit, and any prior driving citations you have received. Pennsylvania drivers will pay on average $960 every 12 months to buy insurance for a Ford Fusion, but that rate is using rate data for a 50-year-old married female with full coverage including both comprehensive and collision and $250 physical damage deductibles.

There is a very good chance that you are not 50 and maybe not even a female, maybe you are single instead of married, or maybe you just want liability only instead of full coverage. What seems to be a minor change in policy rating factors can lead to a significant difference in the cost of a policy.

This illustrates why the way we recommend to find the cheapest insurance price for your Ford is to shop your policy around every couple of years.

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The trim level of your vehicle will influence the cost of coverage, so the rate you pay to insure a Fusion S 4-Dr Sedan model will be $176 cheaper than the price to insure the higher-end Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Information does not factor in your specific Pennsylvania location which can lower or raise coverage rates significantly.

Selecting a high-quality car insurance company is difficult considering how many choices there are in Pennsylvania. The company ratings below could help you pick which car insurance companies to look at when comparing rates. The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies without a large exposure are not taken into consideration for this list.

Top 10 Major Auto Insurance Providers in Pennsylvania Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Major Auto Insurance Providers in Pennsylvania Ranked by Claims Service

1. Progressive
2. USAA
3. Liberty Mutual
4. State Farm
5. GEICO
6. Titan Insurance
7. Nationwide
8. Allstate
9. The General
10. 21st Century

Top Companies for Ford Fusion Insurance in Pennsylvania

Discounts on cheap insurance for a Ford Fusion in Pennsylvania

Car insurance companies that offer cheap quotes for a Ford Fusion may also provide policy discounts that could potentially reduce rates by as much as 40% or more if you meet the requirements. Large auto insurance companies and a partial list of their discounts include:

The diagram below shows the difference between insurance rates with and without discounts. Data assumes a male driver, a clean driving record, no claims, Pennsylvania state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, anti-theft, passive restraint, safe-driver, multiple policy, and marriage discounts applied. When taking advantage of discounts, the the average yearly reduction on auto insurance for a Ford Fusion is % or $.

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Rate increases following a ticket or accident

The ideal way to receive the cheapest auto insurance premiums for a Fusion is to drive attentively and not receive tickets or have accidents. The chart below shows how violations and fender-benders influence auto insurance costs for different age groups of insureds. The premiums are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are taken into consideration.

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The data above shows the average cost of a car insurance policy in Pennsylvania per year with no accidents or violations is $1,864. Receive two speeding tickets and the average cost rises to $2,463, an increase of $599 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Ford Fusion goes up to an average of $3,074. That’s an increase of $1,210, or $101 per month, just for being a less-than-perfect driver!

Progressive, State Farm, Geico, and Allstate compared

If you’re looking for the best auto insurance, four good companies to start with are Progressive, State Farm, Geico, and Allstate. The table below illustrates price, claims, and customer service ratings, as well as some optional coverages that are available.