Finding affordable insurance for a Ford Fusion can be pretty simple, but it hinges on many different factors such as how many miles you drive each year, whether or not you garage your vehicle, and driving violations. Kentucky drivers pay on average $1,071 per year to insure their Fusion, but that price is an estimate calculated based on a 50-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
But there is a high probability that you aren’t exactly 50 years old or even a male, single instead of married, and you may just want the cheapest liability coverage you can find. Having different needs demonstrates why the only real way to find the cheapest rates for your Ford is to do your own rate comparisons. Quotes only take a couple of minutes and you will receive price comparisons from the best companies available.
The trim level of your vehicle will most likely have an effect on the cost of coverage, so the price you will be charged to insure a Fusion S 4-Dr Sedan model will cost $210 less than the price to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $220 | $432 | $314 | $18 | $94 | $1,078 | $90 |
| Fusion SE 4-Dr Sedan | $248 | $508 | $314 | $18 | $94 | $1,182 | $99 |
| Fusion Hybrid 4-Dr Sedan | $248 | $586 | $392 | $24 | $118 | $1,368 | $114 |
| Fusion SEL 4-Dr Sedan | $248 | $508 | $314 | $18 | $94 | $1,182 | $99 |
| Fusion Sport 4-Dr Sedan | $248 | $508 | $314 | $18 | $94 | $1,182 | $99 |
| Fusion SEL AWD 4-Dr Sedan | $276 | $586 | $314 | $18 | $94 | $1,288 | $107 |
| Fusion Sport AWD 4-Dr Sedan | $276 | $586 | $314 | $18 | $94 | $1,288 | $107 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in specific location which can increase or decrease coverage prices significantly.
Kentucky car insurance company ratings
Selecting the highest-rated insurance provider can be rather challenging considering how many companies sell insurance in Lexington. The company ratings shown below may help you decide which car insurance companies to look at purchasing coverage from.
The ratings below are only made up of companies with a nationwide focus, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices from these companies and more, simply click here.
Top 10 Large Car Insurance Companies Overall in Lexington
- Travelers
- USAA
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
- American Family
Careless driving habits raise Lexington car insurance rates
A great way to score good car insurance premiums for a Fusion is to be an attentive driver and avoid accidents and violations. The diagram below highlights how speeding tickets and at-fault accidents can drive up auto insurance rates for different age groups. The information is based on a married male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
In the example above, the average cost of auto insurance per year with no violations or accidents is $1,892. Receive one speeding ticket and the average cost hikes up to $2,170, an increase of $278 each year. Now get one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford Fusion goes up to an average of $2,960. That’s an increase of $1,068, or $89 per month, just for not maintaining a clean driving record!
Don’t make the mistake of not shopping around
Kentucky car insurance rates are influenced by many factors that control the price you have to pay. Improving your credit rating, moving across town, or getting a couple of tickets can trigger changes in premium resulting in some rates now being cheaper in comparison to the competition.
And not only may your rating factors change, but auto insurance companies modify rates every year or even multiple times each year to adjust for gains or losses. Heavier than normal losses can result in high rates, while profitable underwriting may produce lower-cost Fusion insurance rates.
The graph below compares the cheapest car insurance in Lexington, KY for a 45-year-old female driver with a clean driving record, no accidents, and a good credit history. If we look at prices based on her current risk factors, Cincinnati Insurance quotes the most affordable car insurance rates in Lexington at $1,138 annually. This is $1,005 less than the average rate paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Grange Mutual are the rest of the most affordable Lexington, KY auto insurance companies.
Now let’s give the driver in the first example some claims, poor credit, and an imperfect driving record. Due to the fact that every auto insurer has a unique approach to determining premium rates, getting updated rate quotes will most likely result in a completely different list of affordable Lexington car insurance companies as shown below.
Kentucky Farm Bureau now has the cheapest rate in Lexington with USAA, Travelers, State Farm, and Westfield now being in the top five. This example demonstrates why it is crucial to compare as many rates as possible when trying to get affordable auto insurance quotes for a Ford Fusion. Rates are made up of many factors and change dramatically, so the cheapest company when you bought your policy may now be one of the more expensive options.
How to find low-cost car insurance for a Ford Fusion
It is possible to find better rates, and here are a few thrifty suggestions that can help you buy low-cost coverage.
- Violations and traffic tickets increase rates
- Prevent price hikes by avoiding at-fault accidents
- Buy safe vehicles
- Buy your homeowners policy from the same company as your auto insurance
- If possible, do not file small claims
- Compare rates once a year for cheaper prices
That last piece of advice is particularly significant, as we pointed out in the prior information. Insurance prices fluctuate constantly, so drivers shouldn’t be resistant to buy from a different company if you find a better deal.
Having a favorite company is fine, but is isn’t recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. Now is a great time to compare prices and find cheaper insurance for a Ford Fusion in Lexington.
The auto insurance agents in Lexington shown below can help you decide which policy fits your needs best, since lots of people like to have the advice of a professional agent when trying to find the best insurance rates for a Ford Fusion. It’s not always simple to find the best rates on your own, so getting professional guidance from a licensed agent can give you peace of mind knowing your policy gives you suitable coverage if you ever need to use it.
To locate an agency closest to you, click the button link following the list.
State Farm – Bob Pitman
851 Corporate Dr Ste 200 – Lexington, KY 40503 – (859) 223-1191
Nationwide Insurance: McGuire Insurance Agency, Inc
185 Pasadena Dr Ste 235 – Lexington, KY 40503 – (859) 268-2542
Bray and Oakley Insurance Agency, Inc.
3061 Fieldstone Way – Lexington, KY 40513 – (859) 927-3743
G.L. Herndon Insurance Agency
2220 Executive Dr #203 – Lexington, KY 40505 – (859) 286-7094