Finding economical auto insurance for a Ford Fusion in Maryland depends on a whole bunch of rating criteria such as your age, the condition of your credit, and your motor vehicle report. Drivers pay on average $1,053 each year to insure their Fusion, but that cost is a valuation using a 30-year-old married male driver with full comprehensive and collision coverage and $1,000 deductibles.
It’s more than likely you aren’t exactly 30 years old or even a male, you might be single instead of married, and maybe your Fusion is older and does not require full coverage. Even a slight change in the criteria used to calculate rates may result in significant differences in the price of coverage.
This example demonstrates why the best way to find the most affordable coverage for your Ford is to do a thorough rate comparison.
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Vehicle trim level impacts the yearly cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $170 cheaper than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $194 | $332 | $406 | $24 | $122 | $1,078 | $90 |
| Fusion SE 4-Dr Sedan | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Fusion Hybrid 4-Dr Sedan | $218 | $452 | $508 | $30 | $152 | $1,360 | $113 |
| Fusion SEL 4-Dr Sedan | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Fusion Sport 4-Dr Sedan | $218 | $392 | $406 | $24 | $122 | $1,162 | $97 |
| Fusion SEL AWD 4-Dr Sedan | $244 | $452 | $406 | $24 | $122 | $1,248 | $104 |
| Fusion Sport AWD 4-Dr Sedan | $244 | $452 | $406 | $24 | $122 | $1,248 | $104 |
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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Premium costs do not factor in vehicle location which can decrease or increase auto insurance rates considerably.
Deciphering which companies have the most affordable car insurance rates for a Ford Fusion calls for a bit more effort in order to find the lowest price quote. Each company used slightly different criteria to establish rates, so to begin we’ll rank the most competitive car insurance companies in Maryland.
It’s important to know that Baltimore, MD car insurance rates are calculated based on many things which can significantly increase or decrease the price of your policy. Simply turning a year older, becoming a homeowner, or getting a ticket for running a stop sign can trigger rate changes that can cause some rates to be cheaper than competitors.
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USAA has some of the most affordable car insurance rates in Baltimore at around $958 annually. Liberty Mutual, Penn National, Erie, and State Auto also are some of the best Baltimore, MD auto insurance companies.
As the rates illustrate above, if you are a policyholder with Penn National and switched to USAA, you may realize an annual premium reduction of about $179. Insureds with Erie might save as much as $203 a year, and State Auto insureds might see rate reductions of $220 a year.
To see if you’re overpaying, click here to get quotes or quote prices from the following companies.
It’s important to note that these policy rates are averaged across all drivers and vehicles in Maryland and and are not figured with an exact vehicle garaging location for a Ford Fusion. So the car insurance company that can offer you the best price may not even be in the top 16 companies in the list above. That illustrates why you need to get auto insurance quotes using your own driver data and vehicle information.
Violations and accidents raise rates
The best way to get low car insurance premiums in Maryland for a Fusion is to drive carefully and maintain a clean driving record. The example below highlights how traffic violations and at-fault claims can drive up auto insurance rates for different ages of insureds. The premiums assume a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in Maryland per year with no violations or accidents is $2,181. Add in two speeding tickets and the average cost surges to $2,922, an increase of $740 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of car insurance for a Ford Fusion goes up to an average of $5,799. That’s an increase of $3,617, or $301 per month, just for not driving attentively!
You are probably paying too much for Fusion insurance
Baltimore car insurance rates are impacted by many factors which can substantially decrease or increase the price you pay for coverage. Simply turning a year older, increasing liability limits, or having an at-fault accident can trigger price changes that can make some companies cheaper than others.
Also, insurance companies amend pricing as often as every three months in order to offset underwriting gains or losses. Higher than usual claims may cause more expensive prices, while lower claim levels may result in lower-priced Fusion insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in Baltimore, MD for a 30-year-old female driver with no prior accidents, a clean driving record, and a good credit history. When comparing rates based on her personal profile, USAA quotes the cheapest car insurance rates in Baltimore at $1,652 a year. This is $93 more than the average rate paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto are also included in the top five cheapest Baltimore, MD auto insurance companies.
Let’s now give the driver from the above example an accident surcharge, less-than-perfect credit, and a few blemishes on her driving record. Since each auto insurance company uses their own calculation to establish rates, comparing insurance quotes may result in a slightly different list of cheap Baltimore auto insurance companies as shown below.
MetLife now has the cheapest insurance rate in Baltimore with Nationwide, Travelers, GEICO, and Penn National also having competitive pricing. This example proves why it is critical to shop around with many companies when trying to get the lowest insurance rates for a Ford Fusion. Car insurance prices are influenced by many risk factors and can change substantially, so the best price the last time you shopped around may now not even be in the top five.
How to find the cheapest auto insurance for a Ford Fusion
The list below summarizes some of the recommended money-saving suggestions that can help drivers buy low-cost car insurance.
- Do not file small claims
- Buy a car with high safety ratings
- Maintaining good credit helps earn cheaper rates
- Full coverage is expensive so only insure older vehicles for liability only
- Buying your home and auto policies from the same company can earn a discount
- Raise physical damage deductibles
- Compare rates once a year for cheaper prices
That last idea is extremely valuable, as was emphasized in this piece. Prices charged by companies in Baltimore fluctuate constantly, so don’t be afraid to buy from a different company if a better deal can be had.
Many drivers prefer to stick with one company, but is isn’t recommended if that loyalty ends up costing hundreds of dollars year after year. Now is a great time to compare rates and find cheaper insurance for a Ford Fusion.
The insurance agents in Baltimore listed below are a good start to help you make a decision which auto insurance policy would work best for you, since some drivers wish to have some professional guidance when trying to find lower insurance rates for a Fusion. It’s not always easy to find the best coverage on your own, so a licensed agent can provide you satisfaction knowing you have adequate asset protection.
To locate an agency close to you, click the link after the list or click here to compare rates now.
Senate Select Insurance
5417 Reisterstown Rd – Baltimore, MD 21215 – (410) 358-0411
Lambert Insurance Inc
1826 Woodlawn Dr # 6 – Baltimore, MD 21207 – (410) 265-7850
Hill Point Insurance LLC
1400 S Charles St – Baltimore, MD 21230 – (410) 779-9272
Mason and Carter Inc
23 South St – Baltimore, MD 21202 – (410) 539-6767
Mindy Andreychek – State Farm Insurance Agent
8502 Harford Rd Ste B – Baltimore, MD 21234 – (410) 668-7600