How Much is Car Insurance for a Ford Fusion in Plano?

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Ford Fusion insurance
Ford Fusion insurance image courtesy of QuoteInspector.com

Buying economical coverage for a Ford Fusion is fairly easy, but it is dependent upon many factors such as how old the vehicle is, the likelihood of vehicle theft, and your driving record. Texas drivers pay on average $1,628 a year for Fusion insurance, but that is a valuation using a 30-year-old single male driver with full physical damage coverage and $100 deductibles.

There's a high likelihood you're not a 30-year-old male, married instead of single, and maybe you want higher deductibles. This example demonstrates why the only way to find cheap insurance prices for your Ford is to do a thorough rate comparison.

Insure Your Ford for Less

The specific model of Fusion has an effect on the coverage cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $308 cheaper than the cost to insure the higher-end Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Ford Fusion Insurance Rates in Plano, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $374 $592 $500 $30 $150 $1,646 $137
Fusion SE 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
Fusion Hybrid 4-Dr Sedan $422 $804 $624 $36 $186 $2,072 $173
Fusion SEL 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
Fusion Sport 4-Dr Sedan $422 $698 $500 $30 $150 $1,800 $150
Fusion SEL AWD 4-Dr Sedan $470 $804 $500 $30 $150 $1,954 $163
Fusion Sport AWD 4-Dr Sedan $470 $804 $500 $30 $150 $1,954 $163
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Table data does not factor in Plano location which can change premiums considerably.

Texas insurance company ratings

Selecting the highest-rated car insurance provider can be difficult considering how many choices you have in Plano. The company ratings shown next could help you select which auto insurers you want to consider comparing rates from.

These ratings include large nationwide companies, so companies with more of a regional focus are not factored into these rankings. If you wish to compare rates from many more Texas auto insurance companies, simply click here.

Top Ten Insurance Companies for a Ford Fusion in Plano, TX
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
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Data Source: Insure.com Best Car Insurance Companies

Safe drivers pay cheaper rates

In a perfect world, the ideal way to maintain the best insurance rates for a Fusion is to drive safely and not receive tickets or have accidents. The diagram below illustrates how traffic citations and at-fault claims drive up car insurance costs for different age groups of insureds. The premium estimates are based on a single male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

The data charted above shows the average cost of car insurance in Plano per year with no accidents and a clean driving record is $2,370. Get one speeding ticket and the average cost swells to $2,670, an increase of $300 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of insurance for a Ford Fusion increases to an average of $5,262. That's an increase of $2,892, or $241 per month, just for not paying attention while driving!

The benefits of price comparisons

Texas insurance rates are based on many factors that will increase or decrease the cost of your policy. Simply improving your credit, moving across town, or having an accident can cause premium changes that can cause some rates to be much cheaper than others. Not only may your risk profile change, but companies change their prices as often as every quarter to help ensure profitability. A period of higher than normal claims may cause higher priced premiums, while better underwriting can cause lower-cost Fusion insurance rates.

To illustrate this point, the chart below shows the company with the cheapest car insurance in Plano, TX for a 40-year-old male driver with a clear driving record, no claims, and a decent credit rating. When quoting prices based on his current risk factors, Travelers quotes the lowest car insurance rates in Plano at $1,103 annually. This is $801 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also included in the cheapest Plano, TX auto insurance companies.

Now we will pretend the driver in the first chart an at-fault accident, a lower credit rating, and an imperfect driving record. Since every insurance provider uses their own method for determining rates in each state, comparing prices may now result in a different set of cheap Plano auto insurance companies as shown below.

State Farm now has the lowest price in Plano, TX with Mercury, Safe Auto, USAA, and Nationwide also being competitive. This illustrates why consumers need to perform an extensive rate comparison to find affordable insurance quotes for a Ford Fusion.

Insurance rates are determined by many factors and can change without notice, so the best option the last time you compared rates may now not even be in the top five.

How to find budget-friendly car insurance for a Ford Fusion

The list below summarizes a few penny-pinching solutions that can help Plano drivers get cheaper car insurance.

That final tip is particularly necessary, as we hit on in this write-up. Coverage prices in Plano fluctuate considerably, so drivers shouldn't be reluctant to change to a new company if a more affordable price is available.

Brand loyalty is great, but it isn't a good idea if it's costing you money that could be used for better things. Now is a great time to shop around to find cheaper insurance for a Ford Fusion.

The professional agents shown below are a good start to help you determine which car insurance company is the best fit, as some people prefer to get some professional input when shopping for the best coverage for a Ford Fusion. It can be difficult to find the best policy yourself, and getting advice from a licensed Texas insurance agent can bring comfort knowing your policy gives you adequate protection in case of an accident or claim.

To find a Plano insurance agency using an interactive map, click the button after the list or click here to compare rates now.

View map of Plano, TX insurance agents