Finding the cheapest insurance for a Ford Fusion in Texas is dependent upon a large number of rating criteria such as whether you are single or married, your occupation, and if you have a history of accidents. Texas drivers will pay on average $1,121 annually for Fusion insurance, but that cost is based on a 40-year-old married female driver with full coverage and $500 deductibles.
When estimating a car insurance rate like we just did, the issue is that you may not be 40 years old (or even female), single instead of married, and you may just want the cheapest liability coverage you can find. There is no perfect policy for every driver, so the only real way to find cheap insurance prices for your Ford is to do the rate comparisons yourself. It takes less than five minutes and you will be able to see rates from the best auto insurance companies that offer coverage in Texas.
The trim level of your Ford impacts the cost of insurance, so the cost to insure a Fusion S 4-Dr Sedan will be $192 cheaper than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $206 | $392 | $400 | $24 | $120 | $1,142 | $95 |
| Fusion SE 4-Dr Sedan | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Fusion Hybrid 4-Dr Sedan | $232 | $532 | $500 | $30 | $150 | $1,444 | $120 |
| Fusion SEL 4-Dr Sedan | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Fusion Sport 4-Dr Sedan | $232 | $462 | $400 | $24 | $120 | $1,238 | $103 |
| Fusion SEL AWD 4-Dr Sedan | $258 | $532 | $400 | $24 | $120 | $1,334 | $111 |
| Fusion Sport AWD 4-Dr Sedan | $258 | $532 | $400 | $24 | $120 | $1,334 | $111 |
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Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Price information does not factor in the specific area where the vehicle is garaged which can affect premiums noticeably.
Deciphering which insurers offer the most affordable auto insurance rates for a Ford Fusion will require a bit more effort in order to find the best policy. Each insurer has their own formula for determining prices, so we will examine the auto insurance companies with the overall cheapest rates in Houston.
Find Cheaper Auto Insurance for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,199 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,424 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,495 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,553 |
| 11 | Allstate | $1,667 |
| 12 | Progressive | $1,715 |
| 13 | Amica | $1,757 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,156 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,494 |
| 20 | Titan | $2,568 |
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Travelers has some of the most affordable car insurance rates in Houston at around $1,010 each year. This is $894 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheapest Houston, TX insurance companies.
In the rate table above, if you buy coverage from Germania Mutual and switched to Travelers, you could see an annual savings of around $246. Policyholders with Esurance may save as much as $355 a year, and California Casualty policyholders might realize rate reductions of up to $414 a year.
If you would like to find cheaper car insurance rates, click here to start a quote or quote rates from the companies below.
Remember that these premiums are averaged for all drivers and vehicles in Texas and are not factoring in an exact zip code location for a Ford Fusion. So the insurer that is best suited for you may not even be in the list above. That underscores the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Cost comparison with and without full coverage
Finding the cheapest auto insurance should be important to the majority of people, and one common way to pay lower rates for insurance for a Ford Fusion is to only buy liability insurance. The diagram below illustrates the comparison of insurance premiums with and without full coverage. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, single status, and no discounts are applied.
As an average, comp and collision coverage costs $2,293 per year more than just buying liability insurance. Lot’s of drivers question when is it safe to stop buying full coverage. There is no set rule for dropping full coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s pretend your vehicle’s replacement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $6,000 after the policy deductible has been paid. If premiums are more than $600 a year for comprehensive and collision coverage, then it might be time to buy liability only.
Discounts on Houston insurance rates
Auto insurance companies that offer cheap quotes for a Ford Fusion may also offer special discounts that can lower rates by as much as 25% or more if you meet certain criteria. Companies and the discounts they provide are outlined below.
- American Family offers discounts including accident-free, Steer into Savings, good driver, bundled insurance, defensive driver, early bird, and multi-vehicle.
- Farm Bureau offers discounts for multi-policy, driver training, 55 and retired, good student, renewal discount, and youthful driver.
- State Farm may include discounts for multiple policy, defensive driving training, Steer Clear safe driver discount, good driver, and safe vehicle.
- Travelers includes discounts for payment discounts, good student, new car, driver training, home ownership, hybrid/electric vehicle, and early quote.
- The Hartford may offer discounts for air bag, vehicle fuel type, anti-theft, driver training, defensive driver, bundle, and good student.
- GEICO offers premium reductions for anti-theft, anti-lock brakes, seat belt use, air bags, multi-vehicle, and defensive driver.
- Progressive may have discounts that include online signing, homeowner, online quote discount, continuous coverage, and multi-vehicle.
The information below illustrates the comparison of insurance costs with and without policy discounts. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, homeowner, accident-free, anti-theft, safe-driver, and multiple vehicle discounts applied. When discounts are factored in, theamount saved on auto insurance for a Ford Fusion is 28% or $571.
If you aren’t clear which coverage you need and would like to have a consultation when buying car insurance for a Fusion, the insurance agencies below can aid you in deciding which coverages are best.
To locate a Houston insurance agent using an interactive map, click the link at the bottom or click here to get price quotes now.
- Joy Knox State Farm Insurance Agency
1510 Eldridge Pkwy #108 – Houston, TX 77077 – (281) 759-4300 - TDECU INSURANCE AGENCY, LLC
1235 N Loop W Fwy #1100 – Houston, TX 77008 – (979) 238-8283 - State Farm: Al Johnson
8121 Broadway St #230 – Houston, TX 77061 – (281) 481-5778 - Hallmark Insurance Agency Inc
12337 Jones Rd – Houston, TX 77070 – (281) 894-8200 - Tammy Pham – State Farm Insurance Agent
13618 Bellaire Blvd, Ste E5 – Houston, TX 77083 – (281) 498-6800
More Houston, TX insurance agents
How to find the cheapest insurance for a Ford Fusion
The list below shows a few penny-pinching solutions that can help Houston drivers quote cheaper coverage.
- Lower rates by purchasing a safer vehicle
- Avoid accidents
- Pay lower rates with good credit
- Bundle home or renters insurance to earn a discount on car insurance
- Drop full coverage on older vehicles
- Compare rates often to find the best deal
The last tip in the list is extraordinarily important, as we discussed in this piece. Prices charged by companies can be modified anytime, so don’t hesitate to buy a policy from a new company if a cheaper price is available. Brand loyalty is not necessarily bad, but we do not recommend it if your bullheadedness ends up costing you a small fortune year after year. In just a couple of minutes you could compare rates and find cheaper car insurance for a Ford Fusion in Houston.