Finding cheap car insurance for a Ford Fusion hinges on many factors such as how long your commute is, where your vehicle is garaged, and your driving record. Oklahoma drivers pay approximately $1,156 a year for Fusion insurance, but that price is a valuation using a 50-year-old married female driver with full coverage and $500 deductibles.
If we were betting, you’re not a 50-year-old female, single instead of married, or maybe you just want different deductibles. Even a slight difference in the rating criteria used to formulate rates may result in significant differences in the policy cost.
Not every driver requires the same auto insurance coverages, so the only real way to find cheap insurance prices for your Ford is to just take the time to compare rates yourself. Comparing quotes is easy and you will be able to see rates from top-rated companies in Oklahoma.
Vehicle trim level tends to impact the annual cost of coverage, so the cost to insure a Fusion S 4-Dr Sedan will be $196 less expensive the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan version, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $216 | $390 | $422 | $24 | $126 | $1,178 | $98 |
| Fusion SE 4-Dr Sedan | $244 | $460 | $422 | $24 | $126 | $1,276 | $106 |
| Fusion Hybrid 4-Dr Sedan | $244 | $530 | $528 | $32 | $158 | $1,492 | $124 |
| Fusion SEL 4-Dr Sedan | $244 | $460 | $422 | $24 | $126 | $1,276 | $106 |
| Fusion Sport 4-Dr Sedan | $244 | $460 | $422 | $24 | $126 | $1,276 | $106 |
| Fusion SEL AWD 4-Dr Sedan | $272 | $530 | $422 | $24 | $126 | $1,374 | $115 |
| Fusion Sport AWD 4-Dr Sedan | $272 | $530 | $422 | $24 | $126 | $1,374 | $115 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Estimates do not factor in specific location which can affect premiums greatly.
Establishing which insurers offer the cheapest car insurance rates for a Ford Fusion requires a bit more effort in order to find coverage that fits your budget. Each company uses their own calculation to establish rates, so let’s look at the rankings for the car insurance companies that tend to have lower prices in Oklahoma City, OK.
Find the Cheapest Auto Insurance for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,161 |
| 2 | Oklahoma Farmers Union | $1,190 |
| 3 | GEICO | $1,340 |
| 4 | The Hartford | $1,373 |
| 5 | Safe Auto | $1,377 |
| 6 | Farmers | $1,380 |
| 7 | State Farm | $1,536 |
| 8 | Liberty Mutual | $1,852 |
| 9 | Travelers | $1,868 |
| 10 | Mercury | $1,993 |
| 11 | OK Farm Bureau | $2,058 |
| 12 | Shelter | $2,108 |
| 13 | Home State | $2,128 |
| 14 | MetLife | $2,235 |
| 15 | Progressive | $2,245 |
| 16 | Allstate | $2,400 |
| 17 | Safeco | $5,005 |
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USAA offers some of the best car insurance rates in Oklahoma City at around $1,161 each year. This is $806 less than the average policy premium paid by Oklahoma drivers of $1,967. Oklahoma Farmers Union, GEICO, The Hartford, and Safe Auto also make the cut as some of the more affordable Oklahoma City, OK car insurance companies.
As shown above, if you buy coverage from GEICO and switched to USAA, you may realize an annual savings of in the vicinity of $179. Insureds with The Hartford might save as much as $212 a year, and Safe Auto policyholders might lower prices by $216 a year.
To find the cheapest rates for your vehicle, click here to start your custom quote or visit any of the low-priced companies below.
It’s important to note that these policy rates are averages across all ages of drivers and types of vehicles and and are not figured with a specific zip code for a Ford Fusion. So the insurer that has the cheapest rates for you may not even be in the top 17 companies shown above. That is why you need to compare rates from as many companies as possible using your own individual information.
Responsible drivers pay cheaper Oklahoma City car insurance rates
The recommended way to receive the most affordable car insurance premiums for a Fusion is to drive safe and avoid at-fault accidents and violations. The diagram below highlights how traffic violations and at-fault collisions raise insurance costs for different ages of insureds. The price estimates are based on a married male driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.
In the chart above, the average cost of an auto insurance policy in Oklahoma per year with no violations or accidents is $2,803. Get two speeding tickets and the average cost jumps to $3,889, an increase of $1,086 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of car insurance for a Ford Fusion goes up to an average of $7,607. That’s an increase of $4,803, or $400 per month, just for not driving carefully!
Get discount Oklahoma City insurance
Insurers that provide policies for a Ford Fusion may also offer discounts that can lower rates by 35% or more if you qualify. Larger car insurance companies and their offered discounts can be found below.
- GEICO has savings for air bags, seat belt use, defensive driver, emergency military deployment, good student, multi-vehicle, and membership and employees.
- Travelers may include discounts for hybrid/electric vehicle, driver training, payment discounts, student away at school, early quote, save driver, and multi-car.
- Nationwide includes discounts for family plan, business or organization, easy pay, Farm Bureau membership, good student, multi-policy, and defensive driving.
- Farmers Insurance may have discounts that include switch companies, good student, business and professional, bundle discounts, and pay in full.
- Esurance has discounts for good student, DriveSense, online shopper, anti-theft, and safety device.
- State Farm offers discounts including passive restraint, multiple autos, good driver, accident-free, safe vehicle, good student, and driver’s education.
- Progressive may offer discounts for multi-policy, online quote discount, good student, homeowner, and multi-vehicle.
- Mercury Insurance offers premium reductions for ease of repair, annual mileage, multi-car, accident-free, anti-theft, and low natural disaster claims.
The chart below shows the comparison of yearly insurance costs with and without some available policy discounts. The premiums assume a female driver, no violations or claims, Oklahoma state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with marriage, homeowner, defensive driving course, vehicle safety, multiple vehicle, and safe-driver discounts applied. When taking advantage of discounts, theamount saved on car insurance for a Ford Fusion is 28% or $763.
Cost difference between full coverage and liability
Reducing the cost of car insurance should be important to most vehicle owners, and an effective way to buy cheap insurance for a Ford Fusion is to not insure for full coverage. The information below compares car insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes no claims or driving citations, $500 deductibles, drivers are not married, and no other discounts are factored in.
As an average, physical damage coverage costs $2,696 per year more than carrying just liability coverage. Lot’s of drivers question if paying for full coverage is worth it. There is no exact rule to drop physical damage coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is about 10% or more of the settlement you would receive from your company, then it could be time to drop full coverage.
For example, let’s assume your vehicle’s book value is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying in excess of $300 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few cases where buying only liability insurance is not advised. If you still have a lienholder on your title, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.