Buying affordable coverage for a Ford Fusion in Arizona doesn’t take too much effort, but it is dependent upon a complex formula that considers things such as how old the Fusion is, where your vehicle is garaged, and any past driving violations you may have had. Drivers in Arizona will pay around $1,038 per year for Fusion insurance, but that is a projection based on a 30-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
When projecting a rate like this, the problem is that you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you’re a renter instead of a homeowner. Auto insurance requires individual risk assessment, so the best method for finding affordable rates for your Ford is to just take the time to compare rates yourself.
The trim level of your Ford impacts the annual cost of coverage, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $170 less than the cost to insure the high end Fusion Sport AWD 4-Dr Sedan trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $214 | $314 | $392 | $24 | $118 | $1,062 | $89 |
| Fusion SE 4-Dr Sedan | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Fusion Hybrid 4-Dr Sedan | $242 | $428 | $490 | $30 | $146 | $1,336 | $111 |
| Fusion SEL 4-Dr Sedan | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Fusion Sport 4-Dr Sedan | $242 | $370 | $392 | $24 | $118 | $1,146 | $96 |
| Fusion SEL AWD 4-Dr Sedan | $270 | $428 | $392 | $24 | $118 | $1,232 | $103 |
| Fusion Sport AWD 4-Dr Sedan | $270 | $428 | $392 | $24 | $118 | $1,232 | $103 |
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Data variables include single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Information does not factor in vehicle garaging location which can modify premium rates noticeably.
Trying to find budget insurance is difficult, and figuring out which insurers offer the most affordable auto insurance rates for a Ford Fusion will take more quotes for comparison.
Each auto insurer has a proprietary method to set policy rates, so let’s rank the auto insurance companies with the overall best prices in Arizona. It’s important to understand that Arizona auto insurance rates are based on many factors that may substantially change the policy price. Price variation is why Phoenix drivers need to compare lots of rates to get the best auto insurance rates for a Ford Fusion. Insurance rates are calculated by many things and change frequently, so the best option a year ago may now be wasting a lot of money.
Cheap Insurance Rates for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,303 |
| 13 | State Farm | $1,323 |
| 14 | Safe Auto | $1,323 |
| 15 | Farmers | $1,337 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,443 |
| 18 | Titan | $1,461 |
| 19 | MetLife | $1,521 |
| 20 | Safeway | $1,554 |
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The Hartford quotes some of the lowest car insurance rates in Phoenix at around $845 annually. This is $583 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers would also make the list of some of the most economical Phoenix, AZ car insurance companies.
As shown in the table above, if you have coverage with Travelers and switched to Safeco, you may see an annual savings of upwards of $190. Drivers with Progressive might save as much as $256 a year, and GEICO customers might cut rates by $270 a year.
Bear in mind that those rates are averages across all drivers and vehicles in Arizona and and are not calculated with a vehicle location for a Ford Fusion. So the company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
How accidents and tickets impact rates in Phoenix
The obvious way to get the most affordable auto insurance prices for a Fusion is to drive carefully and not have accidents or get tickets. The example below highlights how speeding tickets and at-fault fender-benders raise yearly insurance costs for each different age category. The premium estimates are based on a married male driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.
In the prior example, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $2,080. Receive two speeding tickets and the average cost hikes up to $2,888, an increase of $808 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Ford Fusion increases to an average of $5,554. That’s an increase of $3,474, or $290 per month, just for not maintaining a clean driving record!
Price comparison of only insuring for liability
Reducing the cost of auto insurance should be important to the majority of people, and an effective way to buy cheap insurance for a Ford Fusion is to not buy full coverage. The example below visualizes the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The rate quotes are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no discounts are applied.
If averaged out across all ages, physical damage coverage on your policy costs $2,236 per year more than just buying liability only. That touches on the question if buying full coverage is a waste of money. There is no set guideline to drop physical damage coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your vehicle’s claim settlement value is $7,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $6,500 after paying your deductible. If premium cost is more than $650 a year to have full coverage, then you might consider buying liability only.
The example below shows how different deductible levels can affect insurance premiums when researching cheap insurance for a Ford Fusion. The data is based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.
The chart above illustrates that a 30-year-old driver could save $440 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $664 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could drop their prices $1,302 or more by selecting a higher deductible. If you do raise deductibles, it is important to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.