Buying the cheapest auto insurance for a Ford Fusion in Texas can be pretty simple, but it is dependent upon a lot of rating factors such as the mileage of your daily commute, if you have prior claims, and any driving offenses on your record. Drivers in Texas pay around $1,781 annually to insure their Fusion, but that price is based upon a 30-year-old single female driver with full physical damage coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you’re not a 30-year-old female, possibly married instead of single, and you want different coverage limits than the example. Even a slight change in rating criteria or coverage limits can make a big difference in the cost of insurance for a Ford Fusion.
This demonstrates why the best way to find cheap insurance rates for your Ford is to compare as many rates as possible. It takes less than five minutes and you can get prices from the best auto insurance companies that sell coverage in Texas.
Your Ford’s trim level will likely have an effect on the cost of insurance, so the rate you will pay to insure a Fusion S 4-Dr Sedan model will be $354 lower than the cost to insure the fancier Fusion Sport AWD 4-Dr Sedan model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $364 | $728 | $514 | $30 | $154 | $1,790 | $149 |
| Fusion SE 4-Dr Sedan | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Fusion Hybrid 4-Dr Sedan | $410 | $988 | $642 | $38 | $192 | $2,270 | $189 |
| Fusion SEL 4-Dr Sedan | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Fusion Sport 4-Dr Sedan | $410 | $858 | $514 | $30 | $154 | $1,966 | $164 |
| Fusion SEL AWD 4-Dr Sedan | $458 | $988 | $514 | $30 | $154 | $2,144 | $179 |
| Fusion Sport AWD 4-Dr Sedan | $458 | $988 | $514 | $30 | $154 | $2,144 | $179 |
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rate information does not factor in specific location which can influence premiums substantially.
Figuring out which companies have the cheapest insurance rates for a Ford Fusion will take a bit more effort than just comparing rates from one or two companies. Every insurance company uses a slightly different approach for determining prices, so let’s look at the rankings for the lowest cost insurance companies in Austin.
Find the Best Cheap Insurance for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,041 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,565 |
| 11 | Progressive | $1,647 |
| 12 | Amica | $1,705 |
| 13 | Allstate | $1,718 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,161 |
| 17 | Encompass | $2,301 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,568 |
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Travelers generally has some of the cheapest car insurance rates in Austin at around $1,041 per year. This is $863 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance would also be considered some of the lowest-priced Austin, TX insurance companies.
As shown above, if you are a policyholder with Esurance and switched to USAA, you might achieve yearly savings of approximately $295. Customers with California Casualty might save as much as $312 a year, and State Farm insureds might cut rates by $366 a year.
To get a fast rate comparison, click here to start a quote or visit any of the low-priced companies below.
These premiums are averages across all ages of drivers and types of vehicles and do not take into consideration a specific location for a Ford Fusion. So the insurer that can offer the best rates for your situation may not even be in the top 23 companies in the list above. That underscores the importance of why you need to get auto insurance quotes using your own personalized driver profile and vehicle information.
The chart below highlights how deductible selection can affect insurance rates when researching cheap insurance for a Ford Fusion. The premium estimates are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 30-year-old driver could save $422 a year by increasing from a $100 deductible to a $500 deductible, or save $634 by switching to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could save $1,236 every year just by choosing larger deductibles.
When increasing deductibles, it is a good idea to have spare funds to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Poor driving habits will raise your insurance rates
The ideal way to receive the most affordable insurance rates in Austin for a Fusion is to drive carefully and avoid accidents and traffic violations. The illustration below shows how traffic citations and at-fault fender-benders can increase insurance rates for different categories of driver ages. The prices are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.
The data in the chart shows the average cost of a car insurance policy in Austin per year with no violations or accidents is $2,022. Add in two speeding tickets and the average cost surges to $2,793, an increase of $771 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for a Ford Fusion jumps again to an average of $3,567. That’s an increase of $1,545, or $129 per month, just for not maintaining a clean driving record!
Do you need full coverage?
Saving money when shopping for insurance is important to the majority of vehicle owners, and one way to find cheaper insurance for a Ford Fusion is to only pay for liability coverage. The illustration below compares premium costs with full physical damage coverage compared to only buying liability only. The premium estimates are based on no accidents or driving violations, $250 deductibles, single marital status, and no discounts are applied.
Averaged for all ages 20 through 70, full coverage on your policy costs an extra $2,791 per year more than just buying liability only. That is a large expense which might make you wonder when is it a good idea to stop buying full coverage. There is no exact rule to drop physical damage coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s say your vehicle’s replacement cost is $5,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, you would only receive $4,500 after paying your policy deductible. If it’s costing you more than $450 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to keep full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should maintain full coverage.