Ford Fusion insurance cost image courtesy of QuoteInspector.com
Buying the best cheap insurance for a Ford Fusion in Ohio doesn't take a ton of time, but it hinges on many factors such as your birth date, if you have prior claims, and blemishes on your driving record. Drivers in Ohio pay around $689 each year for Fusion insurance, but that figure is an estimation calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you may not be 50 years old (or even female), maybe you are married instead of single, and maybe you want higher deductibles. Having just a slight change in the factors used in pricing a policy can result in a big discrepancy in the cost of insuring your Fusion.
There is no one cookie-cutter policy that works for everyone, so the only real way to find the cheapest coverage for your Ford is to just compare rates yourself.
Vehicle trim level has an effect on the coverage cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $114 less than the price to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan trim level, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $122 | $234 | $256 | $16 | $76 | $704 | $59 |
| Fusion SE 4-Dr Sedan | $138 | $276 | $256 | $16 | $76 | $762 | $64 |
| Fusion Hybrid 4-Dr Sedan | $138 | $316 | $320 | $18 | $96 | $888 | $74 |
| Fusion SEL 4-Dr Sedan | $138 | $276 | $256 | $16 | $76 | $762 | $64 |
| Fusion Sport 4-Dr Sedan | $138 | $276 | $256 | $16 | $76 | $762 | $64 |
| Fusion SEL AWD 4-Dr Sedan | $154 | $316 | $256 | $16 | $76 | $818 | $68 |
| Fusion Sport AWD 4-Dr Sedan | $154 | $316 | $256 | $16 | $76 | $818 | $68 |
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Premium costs do not factor in vehicle location which can impact coverage rates substantially.
Finding reliable, affordable car insurance is not the easiest thing to do, and determining which company quotes the most affordable car insurance rates for a Ford Fusion will take additional perseverance. Each auto insurer has a proprietary method for setting prices, so first we will examine the most affordable car insurance companies in Ohio.
Cheap Insurance Rates for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Utica National | $647 |
| 2 | Erie | $661 |
| 3 | Frankenmuth | $687 |
| 4 | Allied | $697 |
| 5 | USAA | $733 |
| 6 | Travelers | $733 |
| 7 | Cincinnati Insurance | $772 |
| 8 | Merchants Insurance Group | $778 |
| 9 | General Casualty | $813 |
| 10 | Motorists Mutual | $816 |
| 11 | Grange Mutual | $828 |
| 12 | State Farm | $858 |
| 13 | Hastings Mutual | $866 |
| 14 | Central Mutual | $874 |
| 15 | Atlantic States | $940 |
| 16 | Westfield | $946 |
| 17 | Progressive | $953 |
| 18 | Western Reserve | $970 |
| 19 | Auto-Owners | $998 |
| 20 | Nationwide | $1,018 |
| Find Your Rate Go | ||
Utica National may offer some of the lowest car insurance rates in Columbus at around $647 each year. Erie, Frankenmuth, Allied, and USAA also qualify as some of the most economical Columbus, OH insurance companies.
In the rate table above, if you are a customer of Erie and switched to Utica National, you might see a yearly price reduction of in the neighborhood of $14. Policyholders with Frankenmuth may save as much as $40 a year, and Allied insureds might see rate reductions of $50 a year.
If you would like to find cheaper car insurance rates, click here to start your free quote or visit several of the following companies.
Be aware that those policy prices are averages for all types of drivers and the different vehicles they drive and are not factoring in a vehicle location for a Ford Fusion. So the car insurance company that fits your situation best may not even be in the top 33 companies shown above. That affirms the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
Discounts on Columbus car insurance rates
Car insurance companies that offer cheap quotes for a Ford Fusion may also give you premium discounts that could reduce prices by as much as 30% if you are eligible. A list of companies and their possible discounts are included below.
- 21st Century may have discounts that include student driver, driver training, 55 and older, air bags, and automatic seat belts.
- Progressive offers discounts including good student, online quote discount, multi-vehicle, continuous coverage, and multi-policy.
- State Farm has discounts for passive restraint, accident-free, driver's education, safe vehicle, defensive driving training, and student away at school.
- Nationwide may offer discounts for defensive driving, family plan, good student, business or organization, and accident-free.
- Esurance may include discounts for Switch & Save, defensive driver, good student, online shopper, and Pac-12 alumni.
- The Hartford has savings for vehicle fuel type, anti-theft, defensive driver, good student, driver training, air bag, and bundle.
The information below shows the difference between insurance prices with and without discounts. The information is based on a female driver, no claims, a clean driving record, Ohio state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, homeowner, defensive driving course, passive restraint, anti-theft, and multiple vehicle discounts applied. When these discounts are applied, the average savings per year on car insurance for a Ford Fusion is 28% or $360.
Poor driving habits will raise your car insurance rates
The easiest way to score the most affordable car insurance prices in Ohio for a Fusion is to drive safely and avoid tickets and accidents. The illustration below illustrates how violations and fender-benders can raise insurance costs for different ages of insureds. The prices are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the previous example, the average cost of a car insurance policy in Ohio per year with a clean driving record and no accidents is $1,847. Factor in two speeding tickets and the average cost swells to $2,459, an increase of $612 each year. Now include two accidents along with the two speeding tickets and the yearly cost of car insurance for a Ford Fusion goes up to an average of $4,477. That's an increase of $2,630, or $219 per month, just for not driving attentively!
Comparison of full coverage and liability-only policies
Finding the cheapest car insurance is probably important to most people, and one of the quickest ways to pay lower rates for insurance for a Ford Fusion is to not insure for full coverage. The diagram below illustrates the difference between auto insurance costs with and without full coverage. The price estimates are based on a clean driving record, no at-fault accidents, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
As an average for all age groups, physical damage coverage costs an extra $1,215 per year over having just liability coverage. At some point, almost every driver questions if you should buy full coverage. There is no clear-cut rule of when to exclude physical damage coverage on your policy, but there is a general convention. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then it's probably a good time to buy liability coverage only.
For example, let's say your vehicle's replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $7,000 after paying your deductible. If it's costing you more than $700 a year for physical damage coverage, then you might want to think about dropping full coverage.