Ford Fusion insurance group and cost
Compare average car insurance costs for a Ford Fusion based on the model version, the driver's age and their location.
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 £688 for cover on a Ford Fusion 1.4 1 5d that is in insurance group 7 or around £756 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.
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: £895 (London SE1)
- Average: £756 (Newcastle NE1)
- Cheap: £549 (Galashiels TD1)
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 £823 to insure a Ford Fusion 1.4 1 5d Auto, while it may cost around £913 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 £913 for insurance for a Ford Fusion 1.6 + 5d Auto, while the same 30-year-old in Newcastle may only pay £768. 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 £1,471 for the Ford Fusion 1.4 TDCi + 5d, while the average 40-year-old Londoner will only pay £771. 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.
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
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