Finding the cheapest insurance for a Ford Fusion in California is dependent upon an enormous amount of rating factors such as whether the vehicle is new, where your vehicle is garaged, and blemishes on your driving record. California drivers will pay around $1,322 each year to insure their Fusion, but that price is a valuation based on a 30-year-old married male driver with full coverage and $500 deductibles.
This brings up the issue that more than likely you may not be 30 years old (or even male), maybe you are single instead of married, and you don’t want the same coverages and limits as the example. Auto insurance requires individual risk assessment, so the best method for finding cheap car insurance rates for your Ford is to do a thorough rate comparison.
Vehicle trim level can impact the insurance rate, so the rate you pay to insure a Fusion S 4-Dr Sedan trim level will cost $236 less than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Fusion SE 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Fusion Hybrid 4-Dr Sedan | $314 | $630 | $552 | $32 | $166 | $1,694 | $141 |
| Fusion SEL 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Fusion Sport 4-Dr Sedan | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Fusion SEL AWD 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
| Fusion Sport AWD 4-Dr Sedan | $348 | $630 | $442 | $26 | $132 | $1,578 | $132 |
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Prices do not factor in garaging location in San Francisco which can affect auto insurance rates noticeably.
Picking the top insurer can be rather challenging considering how many different companies sell coverage in California. The company rank data below may help you choose which auto insurance companies to look at when shopping your coverage around. These rankings are only comprised of the largest companies in the United States, so smaller companies are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
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Data Source: Insure.com Best Car Insurance Companies
Driving violations and accidents
The easiest way to receive the most affordable car insurance rates in San Francisco for a Fusion is to be an attentive driver and avoid accidents and violations. The information below illustrates how speeding tickets and at-fault fender-benders can affect premium costs for each age group. The rate quotes are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous example, the average cost of auto insurance in California per year with no violations or accidents is $2,754. Get written up for two speeding tickets and the average cost swells to $3,946, an increase of $1,193 each year. Then add 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 $7,874. That’s an increase of $5,120, or $427 per month, just for not paying attention while driving!
Full coverage versus liability only rates
Paying a lower price for car insurance is the goal of most drivers, and an effective way to find cheap insurance for a Ford Fusion is to buy only liability coverage. The illustration below illustrates the comparison of premium costs with full coverage compared to only the California minimum liability coverage. The data is based on no tickets, no at-fault accidents, $500 deductibles, single marital status, and no policy discounts are applied.
If averaged out across all ages, physical damage coverage costs $2,458 per year more than buying just liability insurance. Lot’s of drivers question when is the right time to remove full coverage. There isn’t a written rule to stop buying comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it may be the right time to buy liability only.
Your low-price policy may be costing you money
California car insurance rates are calculated based on many things which can substantially change the cost of having a policy. Improving your credit score, buying a home, or getting a DUI can trigger rate changes that can make some companies cheaper than competitors. Additionally, insurers file new California car insurance rates at least once a year in order to maintain liquidity for claims. An unexpected high level of claims can result in additional price hikes, while better underwriting can result in more affordable Fusion insurance rates.
To illustrate this example, the bar chart below shows a variety of companies that have the cheapest car insurance in San Francisco, CA for a 40-year-old male driver with a clean driving record, no accidents, and a high credit rating. When quoting prices based on his current situation, USAA may have the lowest car insurance rates in San Francisco at $1,507 per year. This is $144 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also make the list of the most affordable San Francisco, CA auto insurance companies.
The example below compares rates after we give the driver in the first chart an accident claim, less-than-perfect credit, and an imperfect driving record. Since each auto insurer has a unique formula to determine rates, comparing prices most likely will result in a substantially altered list of affordable San Francisco car insurance companies as shown below.
Grange now has the best insurance rate in San Francisco, CA with Progressive, Allied, Mercury, and Allstate completing the list. This example proves why it is so important to perform an extensive rate comparison to find the lowest car insurance rates for a Ford Fusion.
Car insurance prices consist of many different factors and can decrease or increase without notice, so the best option three years ago may now be wasting a lot of money.
How to find low-cost car insurance for a Ford Fusion
It’s not impossible to find cheaper rates, and here are some of the recommended money-saving ideas that can help San Francisco drivers locate cheaper coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Increase the comprehensive and collision deductibles on your policy
- Drop full coverage on older vehicles
- Buy vehicles with good safety ratings
- Higher credit scores may earn you cheaper rates
- Avoid accidents and claims
- Ensure you have the best deal by shopping around regularly
The final tip is especially vital, as we discussed in this piece. Prices adjust frequently, so drivers shouldn’t be reluctant to buy from a new company if a cheaper rate is available. Having a favorite company is great, but it’s not a great idea if that loyalty ends up costing a considerable chunk of change every month. In just a few minutes you could shop around to find cheaper car insurance for a Ford Fusion in San Francisco.
If you aren’t clear which coverage you need and would like to get some guidance when comparing insurance rates for a Ford Fusion, the agents listed below are a good start to help you make a decision which policy is best.
To locate a San Francisco insurance agent using an interactive map, click the button after the list.
State Farm: Michael Woo
2166 Market St – San Francisco, CA 94114 – (415) 565-6777
Jing Lee – State Farm Insurance Agent
4444 Geary Blvd #300 – San Francisco, CA 94118 – (415) 752-8888
Kajal Pashmi – State Farm Insurance Agent
3138 Geary Blvd – San Francisco, CA 94118 – (415) 742-4459
Anita M Merrihew – State Farm Insurance Agent
3801 3rd St #585 – San Francisco, CA 94124 – (415) 285-2021
Express Service Insurance
2085 Van Ness Ave – San Francisco, CA 94109 – (415) 440-5136