Finding the cheapest auto insurance for a Ford Fusion in Indiana depends on a complicated formula that considers factors such as the safety rating of your vehicle, your residence address, and if you have tickets or violations. Indiana drivers will pay on average $1,103 annually to insure their Fusion, but that is a valuation using a 40-year-old single female driver with full coverage and $250 deductibles.
Most likely you are not 40 years old and maybe not even female, you might be married instead of single, or maybe you have a teen driver on your policy that needs to be considered. Even a slight difference in rating variables or coverage information can make a large difference in the cost of insurance for a Ford Fusion.
Insurance is an individual thing, so the best way to find cheap car insurance rates for your Ford is to just compare rates yourself.
Vehicle trim level can impact price, so the price you pay to insure a Fusion S 4-Dr Sedan model will cost $200 less than the cost to insure the high end 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||$208||$414||$364||$22||$110||$1,118||$93|
|Fusion SE 4-Dr Sedan||$236||$486||$364||$22||$110||$1,218||$102|
|Fusion Hybrid 4-Dr Sedan||$236||$560||$456||$28||$136||$1,416||$118|
|Fusion SEL 4-Dr Sedan||$236||$486||$364||$22||$110||$1,218||$102|
|Fusion Sport 4-Dr Sedan||$236||$486||$364||$22||$110||$1,218||$102|
|Fusion SEL AWD 4-Dr Sedan||$262||$560||$364||$22||$110||$1,318||$110|
|Fusion Sport AWD 4-Dr Sedan||$262||$560||$364||$22||$110||$1,318||$110|
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Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium costs do not factor in vehicle location which can influence rates substantially.
Ratings for Indiana auto insurance companies
Choosing the best car insurance provider can be rather challenging considering how many choices there are in Indiana. The rank data in the next section can help you analyze which car insurance companies you want to consider to insure your vehicles. These rankings only include companies that write coverage in many states, so companies that may only write in Indiana are not factored into this list.
Top 10 Large Auto Insurance Providers Overall in Indiana
- 21st Century
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- American Family
Top 10 Large Auto Insurance Providers in Indiana Ranked by Claims Service
- Liberty Mutual
- AAA Insurance
- Safeco Insurance
- The General
Top Companies for Ford Fusion Insurance in Indiana
Auto insurance rates are higher with tickets and accidents
The easiest method to enjoy the best auto insurance premiums in Indiana for a Fusion is to be a safe driver and avoid at-fault accidents and violations. The information below highlights how traffic violations and fender-benders increase insurance rates for different age groups. The price estimates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance per year with no violations or accidents is $2,152. Factor in two speeding tickets and the average cost surges to $2,909, an increase of $757 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a Ford Fusion in Indiana goes up to an average of $3,673. That's an increase of $1,521, or $127 per month, just for not driving safely!
The example below shows how choosing a deductible can impact insurance rates when searching for cheap insurance for a Ford Fusion in Indiana. Data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could lower their car insurance rates by $272 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $412 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could possibly save as much as $912 each year by choosing a larger deductible amount. When insureds make the decision to increase the deductibles on their policy, it will be required to have enough in a savings account to allow you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Who has the cheapest Fusion insurance?
Indiana auto insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Simply turning a year older, adding a teenager to your policy, or getting a few speeding tickets can trigger rate changes resulting in some companies being cheaper than before. Not only that, but companies amend pricing as often as every quarter in order to protect their financial rating. An extended period of higher than normal claims can result in more expensive prices, while lower claim expenses may cause lower-cost Fusion insurance rates.
The data below compares the cheapest car insurance in Indiana for a 40-year-old female driver with no violations or accidents, and a good credit rating. If we compare prices based on her current situation, Travelers offers the most affordable car insurance rates in Indiana at $614 each year. This is $626 less than the average premium paid by Indiana drivers of $1,240. Cincinnati Insurance, USAA, Erie, and Indiana Farmers Mutual also make the list of the cheapest Indiana auto insurance companies.
In this example, we will give the driver from the first rate comparison a claim, a lower credit score, and a stop sign violation. Due to the fact that every auto insurer has their own formula for filing rates in each state, comparing insurance quotes may now present a new list of affordable Indiana car insurance companies as shown below.
Western Reserve now has the cheapest auto insurance in Indiana with Auto-Owners, Utica National, Nationwide, and Cincinnati Insurance completing the list. This example demonstrates why consumers need to take the time to perform a complete rate comparison to get cheap auto insurance quotes for a Ford Fusion. Prices are influenced by many risk factors and change dramatically, so the lowest-price company the last time you shopped around may now be quite expensive.
How to find the cheapest car insurance for a Ford Fusion
The list below summarizes some of the better thrifty solutions that can help Indiana drivers quote more affordable coverage.
- Buy a vehicle with excellent safety ratings
- Try to remain claim-free
- Buy your homeowners policy from the same company as your auto insurance
- Prevent rate increases by staying accident-free
- Full coverage is expensive so only insure older vehicles for liability only
- Tickets and violations raise rates
- Compare rates regularly and switch companies to save money
The last tip in the list is very important, as we stressed in this article. Insurance prices fluctuate constantly, so drivers shouldn't be resistant to switch to a new company if you can find a cheaper rate. Having a favorite company is great, but it's not a great idea if your bullheadedness ends up costing you a lot of money every month. It only take a few minutes to compare rates and find cheaper car insurance for a Ford Fusion.