Ford Fusion insurance group and cost

The Ford Fusion is a decent mid-size family car that performs well in the most important aspects. It was produced between 2002 and 2012 and sold reasonably well during that time. You’ll learn everything you need to know about insuring this vehicle in the guide below.

Why choose a Ford Fusion?

The Ford Fusion sits in a hugely competitive market. While there’s nothing that makes this car the world’s best family sedan, it provides a good ride for the price.

Which insurance group does the Ford Fusion fall under?

Ford Fusion car models sit within car insurance groups 7-14, so you can expect them to be far cheaper than the average vehicle to insure.

The cost will vary depending on what model of Ford Fusion you choose. A 30-year-old driver in an average postcode could pay around £689 for cover on a Ford Fusion 1.4 1 5d that is in insurance group 7 or around £704 for a Ford Fusion 1.6 3 5d Auto that is in insurance group 13. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.

You can find out the insurance group of your Ford Fusion model and how much you’re likely to pay for your car insurance using the table below.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK.

Ford Fusion insurance cost by location

Your location plays a key role in the cost of your car insurance premiums.

To show the impact of your address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Ford Fusion 1.6 2 5d.

• Expensive: £1,005 (London SE1)
• Average: £704 (Newcastle NE1)
• Cheap: £703.11 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations.

Which factors affect my Ford Fusion insurance rate?

Here are some of the key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. Cars with larger engines cost more to insure. For example, it may cost £901 to insure a Ford Fusion 1.4 1 5d Auto, while it may cost around £1,092 for a Ford Fusion 1.6 Titanium 5d Auto.
• Driver location. Your location plays a key role in how much it will cost to insure a vehicle. Insurers will use previous data to calculate the likelihood of someone from your local area making a claim and adjust your premium to reflect this risk. A 30-year-old in central London may pay £1,092 for insurance for a Ford Fusion 1.6 + 5d Auto, while the same 30-year-old in Newcastle may only pay £712. That’s an example of a £145 difference based only on the city you live in.
• Driver age. Your age plays a key role when it comes to the insurance premiums offered to you. As an example, the average 20-year-old driver in London may pay £2,533 for the Ford Fusion 1.4 TDCi + 5d, while the average 40-year-old Londoner will only pay £767. The youngest drivers have to pay a lot more to insure their vehicle because they are statistically far more likely to make a claim.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• The model and age of your car
• Your car’s safety rating score, security features and anti-theft precautions
• Your annual mileage, driving history and activity
• Your no-claims discount

How can I save on my Ford Fusion premiums?

Whilst car insurance is a necessary legal requirement, it doesn’t need to break the bank. Here are some ideas to reduce the cost of your premium:

• Limit your car usage (where possible). When you lower your annual mileage, insurers will lower your premium as you’ll be deemed a lower risk of making a claim.
• Pay annually rather than monthly. You’ll avoid paying interest on your monthly repayments by paying annually.
• Install extra safety precautions. The safer your car is, the less of a risk you’ll be perceived as by insurers. As such, by adding extra safety measures, you’re quite likely to lower your premium.
• Shop around for the best deal. Although it might be time-consuming, it’s a good idea to search price comparison websites to find the best deal on your insurance renewal. Don’t blindly accept your renewal deal.

Bottom line

The Ford Fusion is an average and unexciting car in a lot of ways, but at least you’ll pay well below the average rate to insure it. Better yet, you can reduce your premiums even more by following this tips in this guide.

Frequently asked questions

• What is the top speed of a Ford Fusion?

  Depending on the model version, Ford Fusions can reach top speeds of 155 mph.

• Is the Ford Fusion safe?

  This car received a four-star rating from Euro NCAP for protecting adult occupants. It received just two stars for protecting pedestrians.

• How much car tax do I have to pay for the Ford Fusion?

  The UK standard car tax rate starts at £140 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Ford Fusion?

  You can buy a Ford Fusion online or by visiting your local Ford Fusion retailer. There is also a range of used Ford Fusions available to buy through various motor resellers and websites such as Auto Trader or Motors.

• What engine size is the Ford Fusion?

  You can choose between a 1.4-litre and 1.6-litre engine.

• Is the Ford Fusion any good?

  The Ford Fusion is a comfortable mid-size family car. In one of the most competitive classes, this is up there with the best when it comes to offering smooth handling and a luxurious design.

• Where can I find Ford Fusion car insurance?

  You can compare the costs of insuring a Ford Fusion using any price comparison website.

• Is a Ford Fusion expensive to insure?

  This depends on the specific model of Ford Fusion you have. Fusion models fall in insurance groups 7-14, so you can expect to pay less than average to insure this vehicle.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise

Danny has written 368 Finder guides across topics including:

• Car, home and business insurance
• Helping people save money on their insurance
• Project management
• Giving valuable insights to website visitors