How Much are Car Insurance Quotes for a Ford Fusion in Louisville?

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

Buying cheaper coverage for a Ford Fusion is fairly easy, but it relies on many rating factors such as how old the Fusion is, your profession, and your motor vehicle report. Drivers pay around $1,142 annually to insure their Fusion, but that amount is a valuation using a 50-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.

The problem with using this number is the good chance you are not 50 and maybe not even a male, maybe you are married instead of single, or maybe you're a renter instead of a homeowner. Not everyone needs the same coverages, so the best method for finding cheap auto insurance rates for your Ford is to do the rate comparisons yourself. It's really quite easy you will be able to see rates from the best companies around.

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Vehicle trim level impacts the cost of insurance, so the price to insure a Fusion S 4-Dr Sedan trim level will be $212 cheaper than the cost to insure the more expensive Fusion Sport AWD 4-Dr Sedan version, as shown by the rates below.

Ford Fusion Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $216 $438 $368 $22 $110 $1,154 $96
Fusion SE 4-Dr Sedan $244 $516 $368 $22 $110 $1,260 $105
Fusion Hybrid 4-Dr Sedan $244 $594 $462 $28 $138 $1,466 $122
Fusion SEL 4-Dr Sedan $244 $516 $368 $22 $110 $1,260 $105
Fusion Sport 4-Dr Sedan $244 $516 $368 $22 $110 $1,260 $105
Fusion SEL AWD 4-Dr Sedan $272 $594 $368 $22 $110 $1,366 $114
Fusion Sport AWD 4-Dr Sedan $272 $594 $368 $22 $110 $1,366 $114
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Table data does not factor in Louisville location which can increase or decrease rates substantially.

Comparing quotes for affordable car insurance is not the easiest thing to do, and figuring out which company offers the cheapest car insurance rates for a Ford Fusion requires even more perseverance.

Every insurance company has their own unique process for determining rates in each state, so we'll go over the car insurance companies with the most affordable rates in Louisville, KY. It's a good idea to be aware that Kentucky car insurance rates are influenced by many factors which can substantially change the price you pay for coverage. That is why it is important to perform a complete rate comparison to get the most affordable auto insurance rates for a Ford Fusion. Insurance prices can be determined by many risk factors and change frequently, so the cheapest company a year ago may now be an over-priced policy.

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Cheapest Kentucky auto insurance companies
Rank Company Cost Per Year
1 Cincinnati Insurance $1,082
2 Kentucky Farm Bureau $1,174
3 USAA $1,175
4 Auto-Owners $1,399
5 Grange Mutual $1,561
6 Motorists Mutual $1,617
7 Travelers $1,663
8 State Farm $1,812
9 Westfield $1,870
10 Safe Auto $1,991
11 Nationwide $2,085
12 Electric $2,097
13 Progressive $2,140
14 State Auto $2,188
15 Encompass $2,288
16 GEICO $2,365
17 Safeco $2,791
18 MetLife $3,084
19 Shelter $3,167
20 Liberty Mutual $3,744
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Cincinnati Insurance may offer some of the best car insurance rates in Louisville at around $1,082 annually. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual would also make the list of some of the lowest-priced Louisville, KY car insurance companies.

As the example above demonstrates, if you are a policyholder with USAA and switched to Cincinnati Insurance, you might realize an annual premium reduction of around $93. Kentucky drivers with Auto-Owners might save as much as $317 a year, and Grange Mutual policyholders might lower prices by $479 a year.

If you would like to find cheaper car insurance rates, click here to start your custom quote or quote rates from the companies below.

It's important to note that these prices are averages for all drivers and vehicles in Kentucky and are not factoring in a vehicle location for a Ford Fusion. So the company that is best suited for you may not even be in the top 21 companies shown above. That emphasizes why you need to get auto insurance quotes using your own individual information.

Full coverage or liability only

Reducing premiums for car insurance is probably important to most people, and a good way to save on the cost of insurance for a Ford Fusion is to only buy liability coverage. The diagram below illustrates the difference between annual premium costs with liability coverage only compared to full coverage. The costs are based on a clean driving record, no at-fault accidents, $500 deductibles, single marital status, and no discounts are applied.

As an average for all age groups, comprehensive and collision coverage on your policy costs $1,970 per year more than just buying liability insurance. That touches on the question if it's worth it to buy full coverage. There is no definitive rule to stop paying for physical damage coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, the it may be a good time to stop paying for full coverage.

For example, let's assume your vehicle's claim settlement value is $10,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company will settle for is $9,000 after the policy deductible has been paid. If you are paying in excess of $900 annually for your policy with full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the even your car is totaled, you should not remove full coverage.

Driving violations and accidents

In a perfect world, the best way to earn low car insurance prices in Louisville for a Fusion is to drive safely and not receive tickets or have accidents. The chart below demonstrates how traffic citations and accidents can affect auto insurance costs for different categories of driver ages. The data is based on a married female driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

The data above shows the average cost of auto insurance in Kentucky per year with no accidents or violations is $2,042. Add in one speeding ticket and the average cost surges to $2,371, an increase of $330 each year. Now get two accidents along with the one speeding ticket and the annual cost of car insurance for a Ford Fusion goes up to an average of $5,012. That's an increase of $2,971, or $248 per month, just for not being more responsible behind the wheel!

How to get discounts on Louisville auto insurance

Discounts on car insurance for a Ford FusionInsurance providers that offer quotes for a Ford Fusion may also give you price discounts that may potentially lower prices by as much as 30% if you qualify. A few popular companies and a summarized list of policyholder discounts can be read below.

The example below illustrates the difference between auto insurance costs with and without discounts applied to the premium. The data assumes a male driver, no claims or violations, Kentucky state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, passive restraint, multiple policy, homeowner, safe-driver, and accident-free discounts applied. When these discounts are applied, the average savings per year on car insurance for a Ford Fusion is 28% or $506.