Ford Fusion insurance rates image courtesy of QuoteInspector.com
Finding cheap insurance for a Ford Fusion in California depends on many different factors such as how long your commute is, the likelihood of your vehicle being stolen, and the deductible amount you use. Drivers in California pay around $1,288 each year to insure their Fusion, but that cost is an estimate using a 50-year-old married female driver with full physical damage coverage and $250 deductibles.
There's a high likelihood you may not be 50 years old (or even female), possibly single instead of married, or maybe you live in a different area as the quoted rates. Everyone has unique insurance needs, and this illustrates why the only way to find affordable rates for your Ford is to compare as many rates as possible.
Compare Ford Fusion Insurance Rates
Vehicle trim level can impact the yearly cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan will cost $238 less than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $262 | $478 | $416 | $24 | $124 | $1,304 | $109 |
| Fusion SE 4-Dr Sedan | $296 | $562 | $416 | $24 | $124 | $1,422 | $119 |
| Fusion Hybrid 4-Dr Sedan | $296 | $648 | $520 | $30 | $156 | $1,650 | $138 |
| Fusion SEL 4-Dr Sedan | $296 | $562 | $416 | $24 | $124 | $1,422 | $119 |
| Fusion Sport 4-Dr Sedan | $296 | $562 | $416 | $24 | $124 | $1,422 | $119 |
| Fusion SEL AWD 4-Dr Sedan | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| Fusion Sport AWD 4-Dr Sedan | $330 | $648 | $416 | $24 | $124 | $1,542 | $129 |
| Get Your Own Custom Quote Go | |||||||
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Price estimates do not factor in specific location which can influence price quotes greatly.
Deciding which companies offer the lowest-priced insurance rates for a Ford Fusion takes more time than just comparing a company or two. Each insurer has their own formula for determining rates, so we'll take a look at the insurance companies with the overall cheapest rates in Santa Ana, CA.
We do need to point out that California insurance rates are influenced by many factors that can increase the cost of a policy. Simply having a birthday, moving to a new city, or getting a driving violation can trigger price changes that can make some companies more affordable than competitors.
Best Auto Insurance Prices for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,488 |
| 9 | Progressive | $1,496 |
| 10 | Allstate | $1,497 |
| 11 | GEICO | $1,529 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,699 |
| 16 | Esurance | $1,705 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,026 |
| Compare Rates Now Go | ||
USAA quotes some of the cheapest car insurance rates in Santa Ana at around $1,109 each year. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the best Santa Ana, CA auto insurance companies.
As shown above, if you currently have coverage with CSAA and switched to USAA, you may realize yearly savings of about $113. Customers with Nationwide may save as much as $117 a year, and 21st Century insureds might lower prices by $216 a year.
To see if you're overpaying, click here to start your free quote or visit any of the companies below.
Understand that those rates are averaged across all insureds and vehicles and do not factor in an exact vehicle garaging location for a Ford Fusion. So the auto insurance company that can offer you the best price may not even be in the top 24 companies shown above. That points out the importance of why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
The chart below illustrates how your deductible choice can increase or decrease insurance premiums when trying to find cheap insurance for a Ford Fusion. The data assumes a single female driver, comp and collision included, and no discounts are applied to the premium.
A 50-year-old driver could lower rates by $420 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $632 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, have the ability to save $1,068 or even more just by choosing larger deductibles. When insureds make the decision to increase the deductibles on their policy, it is important to have enough savings to enable you to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Illustration showing the impact of accidents and violations
In a perfect world, the ideal way to maintain the best insurance premiums for a Fusion is to be a good driver and not have accidents or get tickets. The chart below shows how speeding tickets and at-fault collisions can influence auto insurance rates for each different age category. The price estimates are based on a single male driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
In the prior example, the average cost of auto insurance in Santa Ana per year with no violations or accidents is $2,458. Add in one speeding ticket and the average cost rises to $2,773, an increase of $315 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford Fusion goes up to an average of $5,597. That's an increase of $3,138, or $262 per month, just for not driving responsibly!
How to find more affordable auto insurance for a Ford Fusion
The list below details some of the better penny-pinching suggestions that can help Santa Ana drivers find more affordable car insurance.
- Bundle car and home insurance and save money
- Maintain a clean driving record
- At-fault accidents will increase rates
- If possible, do not file small claims
- Safe vehicles generally have lower rates
- Shop around and save
That last piece of advice is especially significant, as was pointed out in the prior information. Insurance rates in Santa Ana can be modified anytime, so don't be hesitant to buy a different policy if a more affordable price is available. Staying with the same car insurance company is fine, but it isn't a good idea if that loyalty ends up costing a lot of money. Spend a few minutes and compare rates to find cheaper auto insurance for a Ford Fusion.