Buying economical coverage for a Ford Fusion in Nevada doesn’t take a lot of effort, but it depends on a lot of rating factors such as your financial responsibility, if you have prior claims, and whether or not you are a good driver. Drivers will pay around $937 annually for Fusion insurance, but that price is a projection calculated using a 50-year-old single female driver with full coverage and $500 deductibles.
Odds are that you are not 50 years old and maybe not even female, married instead of single, or maybe you just want different deductibles. Having just a slight change in the rating criteria used to formulate rates can result in a massive change in the policy cost.
Auto insurance is not the same for everyone, so the way we recommend to find the cheapest coverage for your Ford is to put in the effort to do a thorough rate comparison.
The specific model of Fusion tends to impact the yearly cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will be $156 cheaper than the insurance cost for the higher-end Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $166 | $318 | $348 | $20 | $104 | $956 | $80 |
| Fusion SE 4-Dr Sedan | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Fusion Hybrid 4-Dr Sedan | $188 | $430 | $436 | $26 | $130 | $1,210 | $101 |
| Fusion SEL 4-Dr Sedan | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Fusion Sport 4-Dr Sedan | $188 | $374 | $348 | $20 | $104 | $1,034 | $86 |
| Fusion SEL AWD 4-Dr Sedan | $210 | $430 | $348 | $20 | $104 | $1,112 | $93 |
| Fusion Sport AWD 4-Dr Sedan | $210 | $430 | $348 | $20 | $104 | $1,112 | $93 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Price information does not factor in vehicle garaging location which can change prices significantly.
Determining which companies quote the cheapest insurance rates for a Ford Fusion calls for a bit more effort in order to find the lowest price. Each auto insurance company has a different formula for determining rates, so let’s rank the insurance companies with the overall cheapest rates in Las Vegas.
It’s important to understand that Nevada insurance rates are determined by lots of factors that control the price of coverage. Getting older, buying a home, or getting a ticket for running a stop sign can cause premium changes that can make some companies cheaper than before.
Best Cheap Insurance Rates for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Allied | $921 |
| 2 | Travelers | $939 |
| 3 | Capital | $1,018 |
| 4 | Oregon Mutual | $1,182 |
| 5 | American Family | $1,194 |
| 6 | Progressive | $1,202 |
| 7 | GEICO | $1,256 |
| 8 | Nationwide | $1,282 |
| 9 | USAA | $1,284 |
| 10 | Safeco | $1,360 |
| 11 | Farmers | $1,452 |
| 12 | Country | $1,619 |
| 13 | MetLife | $1,631 |
| 14 | State Farm | $1,698 |
| 15 | Mercury | $1,807 |
| 16 | Victoria | $2,011 |
| 17 | Liberty Mutual | $2,249 |
| 18 | Allstate | $2,337 |
| 19 | Bristol West | $2,384 |
| 20 | Encompass | $2,604 |
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Allied offers some of the best car insurance rates in Las Vegas at around $921 annually. This is $653 less than the average rate paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family are also some of the lowest-priced Las Vegas, NV auto insurance companies.
As shown in the rates above, if you currently buy coverage from Oregon Mutual and switched to Travelers, you might achieve savings of in the vicinity of $243. Drivers with American Family may save as much as $255 a year, and Progressive customers might realize rate reductions of up to $263 a year.
To get a fast rate comparison, click here or feel free to get quotes from the companies below.
Be aware that those policy prices are averages across all drivers and vehicles and do not take into consideration a specific location for a Ford Fusion. So the car insurance company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own driver data and vehicle information.
The diagram below highlights how deductible choice can increase or decrease insurance premiums when searching for cheap insurance for a Ford Fusion. The premium estimates are based on a married male driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 40-year-old driver could pocket $332 a year by increasing from a $100 deductible up to a $500 deductible, or save $500 by switching to a $1,000 deductible. Even younger insureds, like the 20-year-old, could potentially save $1,120 or even more by choosing larger deductibles on their policy.
If you do make the decision to raise your deductibles, it’s a good idea to have additional funds in a savings account to pay the extra out-of-pocket expense that is associated with using high deductibles.
Discounts on Las Vegas car insurance
Auto insurance companies that offer quotes for a Ford Fusion could also offer discounts that could lower prices by 40% or more if you are eligible. A list of insurance companies and some of the premium reductions they offer are shown below.
- GEICO may include discounts for air bags, anti-theft, membership and employees, driver training, seat belt use, and multi-policy.
- USAA policyholders can earn discounts including annual mileage, loyalty savings, good student, driver training, and multi-policy.
- Progressive offers discounts including homeowner, good student, multi-vehicle, multi-policy, online quote discount, online signing, and continuous coverage.
- American Family offers discounts for mySafetyValet, air bags, good driver, accident-free, TimeAway discount, and Steer into Savings.
- Esurance discounts include renters, homeowner, paid-in-full, multi-car, defensive driver, online shopper, and Pac-12 alumni.
- Farmers Insurance has savings for electronic funds transfer, teen driver, pay in full, distant student, business and professional, and homeowner.
- State Farm includes discounts for good student, Drive Safe & Save, multiple autos, accident-free, good driver, passive restraint, and Steer Clear safe driver discount.
The chart below illustrates the comparison of insurance premiums with and without discounts applied to the premium. The premiums are based on a male driver, no accidents or driving violations, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, passive restraint, marriage, multiple policy, homeowner, and claim-free discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for a Ford Fusion is 28% or $531.
How violations and accidents impact rates
The common sense way to get affordable insurance prices in Las Vegas for a Fusion is to drive safely and avoid getting tickets or having accidents. The diagram below illustrates how traffic citations and at-fault fender-benders impact auto insurance costs for different ages of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.
The data charted above shows the average cost of car insurance per year with no accidents and a clean driving record is $1,704. Add in one speeding ticket and the average cost hikes up to $1,957, an increase of $253 each year. Now get one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Fusion increases to an average of $2,669. That’s an increase of $965, or $80 per month, just for not driving responsibly!
The Las Vegas auto insurance agencies shown below can aid you in deciding which policy is best, since some drivers wish to get help from a professional when trying to find lower insurance rates for a Ford Fusion. It can be complicated to find the best rates on your own, so a licensed agent can give you comfort knowing your policy gives you adequate protection in case of an accident or claim. To locate an agency using an interactive map, click the button at the bottom or click here to compare prices now.
- Marivic Macabasco – State Farm Insurance Agent
1096 E Sahara Ave #207 – Las Vegas, NV 89104 – (702) 892-9908 - Desert Shores Insurance Services
3211 N Tenaya Way #115 – Las Vegas, NV 89129 – (702) 363-8040 - GEICO Insurance Agent
3315 W Craig Rd #110 – North Las Vegas, NV 89032 – (702) 643-0057