How Much is Cleveland Car Insurance for a Ford Fusion?

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

Buying the cheapest insurance for a Ford Fusion is fairly simple, but it relies on a lot of different factors such as how old the Fusion is, the size of your vehicle, and any past driving violations you may have had. Drivers in Ohio will pay around $674 a year for Fusion insurance, but that amount is an estimation calculated based on a 40-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

There's a good chance you are not 40 years old and maybe not even male, possibly married instead of single, or you just want cheap liability insurance instead of full coverage. Even a slight change in rating variables or coverage information can result in a large change in the coverage rate.

This shows why the only real way to find the most affordable coverage for your Ford is to just take the time to compare rates yourself. It only takes a few minutes and you can get prices from the best auto insurance companies that sell coverage in Ohio.

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Your vehicle's trim level will likely have an effect on the cost of insurance, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $104 cheaper than the insurance cost for the fancier Fusion Sport AWD 4-Dr Sedan trim level, as shown by the rates below.

Ford Fusion Insurance Rates in Cleveland, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $106 $214 $274 $16 $82 $692 $58
Fusion SE 4-Dr Sedan $120 $252 $274 $16 $82 $744 $62
Fusion Hybrid 4-Dr Sedan $120 $290 $344 $20 $102 $876 $73
Fusion SEL 4-Dr Sedan $120 $252 $274 $16 $82 $744 $62
Fusion Sport 4-Dr Sedan $120 $252 $274 $16 $82 $744 $62
Fusion SEL AWD 4-Dr Sedan $134 $290 $274 $16 $82 $796 $66
Fusion Sport AWD 4-Dr Sedan $134 $290 $274 $16 $82 $796 $66
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in vehicle location which can affect rates substantially.

Finding decent, affordable auto insurance is hard enough, and figuring out which companies offer the best insurance rates for a Ford Fusion may require more quotes for comparison.

Every insurance company uses a slightly different approach for determining rates in each state, so we'll go over the insurance companies with the overall best prices in Cleveland. It's a good idea to know that Ohio insurance rates are determined by lots of factors that control the cost of coverage. Improving your financial situation, filing a claim, or getting a couple of tickets can trigger rate changes that can cause some rates to be much cheaper than others.

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Rankings for the cheapest Ohio auto insurance companies
Rank Company Cost Per Year
1 Utica National $628
2 Erie $667
3 Allied $690
4 Frankenmuth $708
5 Travelers $712
6 USAA $719
7 Merchants Insurance Group $748
8 Cincinnati Insurance $749
9 Motorists Mutual $792
10 General Casualty $805
11 Grange Mutual $836
12 Central Mutual $848
13 State Farm $858
14 Hastings Mutual $858
15 Westfield $936
16 Atlantic States $940
17 Western Reserve $970
18 Progressive $982
19 Auto-Owners $998
20 Nationwide $1,018
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Utica National offers some of the best car insurance rates in Cleveland at around $628 each year. This is $412 less than the average price paid by Ohio drivers of $1,040. Erie, Allied, Frankenmuth, and Travelers would also make the list of some of the lowest-priced Cleveland, OH insurance companies.

In this example, if you are a policyholder with Allied and switched to Utica National, you may realize an annual savings of roughly $62. Ohio drivers with Frankenmuth could save as much as $80 a year, and Travelers customers might see rate reductions of $84 a year.

To find out how your current rates compare, click here or quote rates from the companies below.

These policy rates are averaged across all drivers and vehicles in Ohio and are not factoring in a vehicle location for a Ford Fusion. So the insurer that is best for you may not even be in the top 33 companies shown above. That's why you need to quote rates from many companies using your own driver and vehicle profiles.

Types of discounts on Cleveland auto insurance

Save on insurance for a Fusion in ClevelandAuto insurance companies that offer quotes for a Ford Fusion may have policy discounts that could potentially reduce rates by 25% or more if you are eligible to receive them. A few of the larger companies and some of their more popular discounts include:

The illustration below shows the comparison of insurance costs with and without discounts. The rates are based on a male driver, a clean driving record, no claims, Ohio state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with anti-theft, marriage, defensive driving course, multiple policy, claim-free, and homeowner discounts applied. When these discounts are applied, theaverage yearly reduction on insurance for a Ford Fusion is 28% or $500.

Why are you paying too much to insure your Fusion?

Cleveland insurance rates are influenced by many factors which can significantly increase or decrease the cost of a policy. Simply turning a year older, buying a different home, or having an at-fault accident may generate price changes that can cause some rates to be cheaper than before. Not only may your situation change, but insurers modify rates at least once a year in order to remain profitable. Higher than usual claims may result in rate hikes, while a profitable period can cause more affordable Fusion insurance rates.

To illustrate this point, the graph below demonstrates which company has the cheapest car insurance in Cleveland, OH for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his current risk factors, Utica National might quote the lowest car insurance rates in Cleveland at $817 each year. This is $223 less than the average price paid by Ohio drivers of $1,040. Frankenmuth, Erie, Allied, and Travelers are also on the list of the most affordable Cleveland, OH auto insurance companies.

Now we will pretend the driver from above a claim or two, a lower credit rating, and a traffic ticket or two. Since every car insurance company has a different process for determining rates in each state, comparing quotes may now show a new list of companies as shown below.

Merchants Insurance Group now has the best price in Cleveland, OH with Cincinnati Insurance, Motorists Mutual, General Casualty, and Grange Mutual also being competitive. This example shows why it is so important to perform an extensive rate comparison when trying to find cheap auto insurance quotes for a Ford Fusion.

Insurance prices are influenced by many factors and change dramatically, so the most affordable company the last time you compared rates may now cost much more than other companies.