Finding cheap car insurance for a Ford Fusion in Minnesota is fairly easy, but it is dependent upon a complicated formula that considers factors such as how long your commute is, if you have a tendency to file claims, and violations on your driving record. Minnesota drivers pay on average $942 per year for Fusion insurance, but that is an approximation based upon a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
But there is a high likelihood that you're not a 40-year-old male, maybe you are married instead of single, or maybe you are just looking for cheap liability insurance. Auto insurance requires individual risk assessment, so the only real way to find the cheapest rates for your Ford is to put in the effort to do a thorough rate comparison.
Your Ford's trim level tends to impact the annual cost of coverage, so the price you will pay to insure a Fusion S 4-Dr Sedan model will cost $146 less than the insurance cost for the higher-end Fusion Sport AWD 4-Dr Sedan version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$148||$298||$384||$22||$114||$966||$81|
|Fusion SE 4-Dr Sedan||$168||$352||$384||$22||$114||$1,040||$87|
|Fusion Hybrid 4-Dr Sedan||$168||$406||$480||$28||$144||$1,226||$102|
|Fusion SEL 4-Dr Sedan||$168||$352||$384||$22||$114||$1,040||$87|
|Fusion Sport 4-Dr Sedan||$168||$352||$384||$22||$114||$1,040||$87|
|Fusion SEL AWD 4-Dr Sedan||$186||$406||$384||$22||$114||$1,112||$93|
|Fusion Sport AWD 4-Dr Sedan||$186||$406||$384||$22||$114||$1,112||$93|
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Minnesota minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in your specific Minneapolis location which can alter auto insurance rates noticeably.
Finding out which companies offer the best car insurance rates for a Ford Fusion calls for a little more work than just comparing a company or two. Every car insurance company has a proprietary method to establish rates, so let's examine the car insurance companies that tend to be cheaper in Minneapolis, MN.
Find Cheaper Auto Insurance for Your Fusion
|Rank||Company||Cost Per Year|
|2||Farm Bureau Mutual||$829|
|5||West Bend Mutual||$943|
|14||Auto Club Group||$1,380|
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Travelers generally has some of the best car insurance rates in Minneapolis at around $661 a year. This is $760 less than the average premium paid by Minnesota drivers of $1,421. Farm Bureau Mutual, USAA, Western National, and West Bend Mutual would also make the list of some of the more affordable Minneapolis, MN auto insurance companies.
As illustrated above, if you currently buy coverage from Western National and switched to Travelers, you could see an annual premium reduction of roughly $240. Insureds with West Bend Mutual might save as much as $282 a year, and The Hartford insureds might cut rates by $293 a year.
It's important to note that these premium estimates are averages across all insureds and vehicles and and are not figured with a specific zip code for a Ford Fusion. So the insurer that is best for you may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
Discounts on Minneapolis auto insurance rates
Car insurance companies that provide coverage for a Ford Fusion may have special discounts that may potentially lower prices by as much as 40% or more if you are eligible for them. Large car insurance companies and their possible discounts include:
- American Family has discounts for bundled insurance, air bags, mySafetyValet, accident-free, good student, early bird, and TimeAway discount.
- Nationwide has savings for Farm Bureau membership, family plan, multi-policy, accident-free, and easy pay.
- MetLife offers discounts for defensive driver, good driver, accident-free, multi-policy, good student, claim-free
- 21st Century policyholders can earn discounts including automatic seat belts, early bird, 55 and older, teen driver, and air bags.
- Farmers Insurance may have discounts that include teen driver, electronic funds transfer, business and professional, switch companies, multi-car, and distant student.
- Allstate may include discounts for premier plus, auto/life discount, FullPay discount, passive restraint, and good payer.
The illustration below illustrates the comparison of car insurance costs with and without policy discounts. The premiums assume a male driver, no violations or claims, Minnesota state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with defensive driving course, vehicle safety, accident-free, passive restraint, multiple policy, and safe-driver discounts applied. When taking advantage of discounts, theaverage amount saved on car insurance for a Ford Fusion is 28% or $598.
The example below highlights how deductible selection can increase or decrease insurance costs when searching for cheap insurance for a Ford Fusion. The premiums assume a married male driver, full physical damage coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $342 a year by switching from a $100 deductible to a $500 deductible, or save $514 by selecting a $1,000 deductible. Even younger drivers, like the age 20 example, could reduce their rates $1,152 each year just by choosing larger deductibles. When increasing deductibles, it will now be necessary to have enough savings set aside to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Don't make the mistake of not shopping around
Minnesota car insurance rates are based on many factors that can increase your annual premium. Simply improving your credit, increasing deductibles, or getting caught speeding may cause policy rate changes resulting in some rates now being cheaper than competitors.
Not only may your risk profile change, but car insurance companies change prices every year or even multiple times each year in order to offset underwriting gains or losses. Higher than normal claims can result in more expensive prices, while better underwriting can cause cheaper Fusion insurance rates.
To illustrate this example, the graph below compares the cheapest car insurance in Minneapolis, MN for a 45-year-old male driver with a clear driving record, no claims, and a high credit rating. If we look at prices based on his current risk profile, Travelers quotes the most affordable car insurance rates in Minneapolis at $913 annually. This is $508 less than the average premium paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, The Hartford, and Western National are the rest of the cheapest Minneapolis, MN auto insurance companies.
The example below compares rates after we give the driver from above some claims, a little lower credit rating, and an imperfect driving record. Due to the fact that every auto insurer uses their own formula for setting prices, getting updated rate quotes most likely will result in a significantly different list of affordable companies as shown below.
USAA now has the cheapest price in Minneapolis with Allied, State Farm, Farm Bureau Mutual, and Travelers also being competitive. This example proves why consumers need to take the time to shop around with many companies to find the best insurance quotes for a Ford Fusion. Insurance prices are calculated by many things and change frequently, so the most economical company two years ago may now cost much more than other companies.
How to find the cheapest car insurance for a Ford Fusion
Below you'll find some of the recommended money-saving suggestions that can help Minneapolis drivers quote lower-cost car insurance.
- Vehicles with good safety ratings have lower liability rates
- Increase your deductibles
- Avoid speeding and other traffic citations and pay less
- Maintain a safe distance and avoid accidents
- Drivers with good credit ratings often pay less
- Comparison shop at least once a year
The last idea is remarkably significant, as was noted in this article. Auto insurance rates go up and down frequently, so don't hesitate to buy from a different company if you find a better deal. Having brand loyalty is commendable, but we do not recommend it if it's costing you a small fortune. In just a couple of minutes you could shop around to find cheaper auto insurance for a Ford Fusion in Minneapolis.
If you wish to have professional advice when shopping for cheaper insurance for a Fusion, the professional agents shown below can aid you in deciding which auto insurance policy would work best for you.
To locate a Minneapolis insurance agent in your neighborhood, click the button after the list.
Farmers Insurance - Natalie Fox
210 N 2nd St #70 - Minneapolis, MN 55401 - (612) 208-0276
1 Groveland Terrace #102 - Minneapolis, MN 55403 - (952) 474-0929
RJF Agencies, Inc.
7225 Northland Dr N #300 - Minneapolis, MN 55428 - (763) 746-8000
Farmers Insurance - Mark Hansen
6001 Portland Ave - Minneapolis, MN 55417 - (612) 869-7760