What Insurance is Cheapest for a Ford Fusion in Toledo?

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Finding economical coverage for a Ford Fusion is pretty straightforward, but it depends on many rating criteria such as whether you are married or single, your credit score, and your choice of deductibles. Drivers in Ohio pay on average $689 a year for Fusion insurance, but that amount is calculated using a 50-year-old single female driver with full coverage and $500 deductibles.

Odds are that you are not 50 years old and maybe not even female, married instead of single, and you need different coverage limits than the sample rates. This demonstrates why the only way to find the cheapest insurance price for your Ford is to do the rate comparisons yourself. In just a couple of minutes you will receive rate quotes from top-rated car insurance companies in Ohio.

Find Cheaper Ford Fusion Insurance

Your vehicle's trim level can impact the cost of insurance, so the price to insure a Fusion S 4-Dr Sedan model will be $114 cheaper than the insurance cost for the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as shown by the rates below.

Ford Fusion Insurance Rates in Toledo, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $122 $234 $256 $16 $76 $704 $59
Fusion SE 4-Dr Sedan $138 $276 $256 $16 $76 $762 $64
Fusion Hybrid 4-Dr Sedan $138 $316 $320 $18 $96 $888 $74
Fusion SEL 4-Dr Sedan $138 $276 $256 $16 $76 $762 $64
Fusion Sport 4-Dr Sedan $138 $276 $256 $16 $76 $762 $64
Fusion SEL AWD 4-Dr Sedan $154 $316 $256 $16 $76 $818 $68
Fusion Sport AWD 4-Dr Sedan $154 $316 $256 $16 $76 $818 $68
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Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Prices do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Buying coverage from a highly-rated insurance provider can be difficult considering how many different companies there are to choose from in Ohio. The rank data in the lists below may help you pick which car insurance providers you want to consider shopping prices with. The ratings below are only comprised of insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus will not be included in this list.

Toledo, OH Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 99 100 90 92% A++ 97.4
21st Century 89 86 100 88% A 92.7
GEICO 97 91 88 85% A++ 92.5
Nationwide 88 94 91 88% A+ 91.3
AAA Insurance 93 87 88 87% A 90.8
Liberty Mutual 91 91 92 87% A 90.7
Safeco Insurance 90 93 88 86% A 90.2
State Farm 91 94 80 88% A++ 90.2
Travelers 89 91 94 79% A++ 90.1
American Family 88 92 83 88% A 89.4
Titan Insurance 89 91 83 86% A+ 89.3
Allstate 90 90 84 85% A+ 89.1
Progressive 83 85 99 87% A+ 88.7
Erie Insurance 92 90 82 88% A+ 88.5
The Hartford 87 89 84 87% A+ 88
Esurance 84 88 85 83% A+ 86
Farmers Insurance 79 88 84 87% A 84.7
The General 88 80 85 80% A- 84.5
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Data Source: Insure.com Best Car Insurance Companies

The chart below demonstrates how choosing different deductibles can increase or decrease yearly insurance costs when searching for cheap insurance for a Ford Fusion. The price estimates are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.

In the chart above, a 30-year-old driver could pocket $294 a year by switching from a $100 deductible to a $500 deductible, or save $440 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 category, could drop their prices up to $860 annually just by choosing larger deductibles.

If you do decide to increase your deductibles, it will be necessary to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Full coverage rates compared to liability-only

Saving money on auto insurance is important to most people, and one common way to lower the cost of insurance for a Ford Fusion is to buy only liability coverage. The diagram below visualizes the comparison of insurance costs with and without full coverage. The information is based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.

If averaged out across all ages, physical damage insurance costs an additional $1,547 per year more than insuring for liability only. That is a big expense that brings up the question when is it safe to stop buying full coverage. There isn't a steadfast formula for eliminating comp and collision coverage, but there is a general guideline you can use. If the annual cost of having full coverage is 10% or more of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

For example, let's assume your vehicle's settlement value is $11,500 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $10,500 after paying the physical damage deductible. If premiums are more than $1,050 annually for full coverage, then you might consider buying liability only.

How to find low-cost auto insurance for a Ford Fusion

Below you'll find some penny-pinching suggestions that can help Ohio drivers quote cheap auto insurance.

The final tip is very necessary, as was emphasized in the prior information. Auto insurance prices in Toledo can be adjusted at any time, so don't hesitate to change insurance companies if a better rate can be found.

Sticking with a specific company is fine, but it's not recommended if it's costing you a considerable chunk of change every month. If you have a few minutes, compare prices to find cheaper auto insurance for a Ford Fusion.

If you aren't sure which coverage to buy and prefer to get some professional advice when shopping for cheaper insurance for a Ford Fusion, the professional agents shown below can help you make a decision which insurance coverage you need.

To locate an agency close to you, click the button link following the list.

Allstate Insurance: William Swade
2114 N Reynolds Rd - Toledo, OH 43615 - (419) 536-9166

Scott Wood - State Farm Insurance Agent
4802 N Summit St - Toledo, OH 43611 - (419) 726-3741

House of Insurance
5801 Telegraph Rd - Toledo, OH 43612 - (419) 476-8436

View map of Toledo, OH insurance agents