What Insurance is Cheapest for a Ford Fusion in Charlotte?

Finding economical coverage for a Ford Fusion is dependent upon many rating factors such as the age of the Fusion, the performance level of your vehicle, and blemishes on your driving record. North Carolina drivers will pay around $641 annually for Fusion insurance, but that amount is an approximation calculated based on a 40-year-old married female driver with full physical damage coverage and $1,000 deductibles.

It’s highly likely you are not 40 and maybe not even a female, single instead of married, or maybe you have a teenager that needs to be on your policy. Even a minor change in the factors used in pricing a policy may result in significant differences in the cost of insurance.

Auto insurance requires individual risk assessment, so the best method for finding cheap auto insurance rates for your Ford is to compare rates from as many companies as possible. Price quotes are quick and you can get rates from some of the cheapest companies that sell coverage in North Carolina.

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Your Ford’s trim level tends to impact the yearly cost, so the rate you will pay to insure a Fusion S 4-Dr Sedan will be $98 cheaper than the price to insure the higher-priced Fusion Sport AWD 4-Dr Sedan trim level, as shown in the chart below.

Ford Fusion Insurance Rates in Charlotte, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $102 $200 $262 $16 $78 $658 $55
Fusion SE 4-Dr Sedan $116 $236 $262 $16 $78 $708 $59
Fusion Hybrid 4-Dr Sedan $116 $272 $326 $20 $98 $832 $69
Fusion SEL 4-Dr Sedan $116 $236 $262 $16 $78 $708 $59
Fusion Sport 4-Dr Sedan $116 $236 $262 $16 $78 $708 $59
Fusion SEL AWD 4-Dr Sedan $128 $272 $262 $16 $78 $756 $63
Fusion Sport AWD 4-Dr Sedan $128 $272 $262 $16 $78 $756 $63
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in vehicle location which can revise price quotes substantially.

Trying to buy reasonably-priced car insurance is not the easiest thing to do, and deciding which company quotes the lowest-priced auto insurance rates for a Ford Fusion takes even more rate comparisons. Every insurance company has a proprietary formula to determine premium rates, so let’s take a look at the auto insurance companies with the overall best prices in Charlotte.

It’s important to know that Charlotte, NC auto insurance rates are based on many factors which can substantially change the policy price. This price variation is why it is so important to compare rates to find the cheapest auto insurance rates for a Ford Fusion. Insurance rates are impacted by many risk factors and change substantially, so the cheapest rate two years ago may now be an over-priced policy.

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Who has the cheapest car insurance in North Carolina?
Rank Company Cost Per Year
1 Progressive $639
2 Utica National $655
3 NC Farm Bureau $716
4 Penn National $725
5 Liberty Mutual $728
6 GEICO $742
7 Titan $759
8 State Farm $779
9 Auto-Owners $878
10 National General $881
11 Allied $901
12 Travelers $909
13 Erie $931
14 Peerless $992
15 Nationwide $1,001
16 MetLife $1,038
17 Unitrin $1,042
18 Encompass $1,063
19 Safeco $1,066
20 Allstate $1,086
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Progressive may have some of the best car insurance rates in Charlotte at around $639 a year. Utica National, NC Farm Bureau, Penn National, and Liberty Mutual also make the cut as some of the best Charlotte, NC auto insurance companies.

As shown above, if you buy coverage from Penn National and switched to Utica National, you could see annual savings of approximately $70. Insureds with Liberty Mutual could save as much as $73 a year, and GEICO insureds might reduce prices by as much as $87 a year.

To get a fast rate comparison, click here to begin a quote or click through to the companies below.

Be aware that those policy prices are averaged for all types of insureds and vehicles and and are not calculated with an exact location for a Ford Fusion. So the auto insurance company that fits your age and vehicle best may not even be in the top 20 companies shown above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.

Full coverage or liability only

Saving on auto insurance is the goal of the majority of drivers, and a good way to lower the cost of insurance for a Ford Fusion is to buy liability only. The illustration below shows the comparison of insurance costs with and without physical damage coverage. The premiums are based on no violations or claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs $2,024 per year over and above liability coverage. Lot’s of drivers question if it’s a good idea to buy full coverage. There is no definitive guideline to stop buying full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s book value is $6,500 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $5,500 after paying your policy deductible. If you are paying over $550 annually for your policy with full coverage, then you might want to think about dropping full coverage.

A good deal can quickly turn bad

North Carolina auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of coverage. Simply having a birthday, moving to a new city, or getting a DUI may prompt premium changes that can make some companies more affordable than before. In addition to those changes, car insurance companies amend premium rates multiple times each year in order to remain profitable. Unexpectedly high claims may result in increased policy costs, while lower claim levels can result in cheaper Fusion insurance rates.

To help illustrate this point, the bar chart below shows the cheapest car insurance in Charlotte, NC for a 40-year-old male driver with no prior claims, no tickets, and a good credit rating. When quoting prices based on his current risk profile, Progressive has the cheapest car insurance rates in Charlotte at $771 a year. This is $101 less than the average policy premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, NC Farm Bureau, and Penn National are the rest of the top five cheapest Charlotte, NC auto insurance companies.

Now we will give the driver in the first example a claim or two, less-than-perfect credit, and a stop sign violation. Because every insurance company has a different formula for setting rates, analyzing rate quotes most likely will result in a slightly different list of the cheapest companies as shown below.

GEICO now has the lowest price on auto insurance in Charlotte, NC with State Farm, Utica National, Auto-Owners, and National General now being in the top five. This demonstrates why it is so important to perform a complete rate comparison to get the most affordable car insurance rates for a Ford Fusion.

Insurance rates are influenced by many risk factors and can decrease or increase without notice, so the most affordable company a year ago may now be an over-priced policy.

If you like to have professional advice when buying car insurance for a Fusion, the agents below can answer your questions and help you decide which insurance coverage you need. To locate a Charlotte auto insurance agent near you, click the link after the list or click here to compare rates now.

The Jordan Insurance Agency,LLC
13860 Ballantyne Corporate Pl #120Charlotte, NC 28277(704) 926-7565

State Farm: Jeremy Fulkerson
4805 Park Rd #103Charlotte, NC 28209(704) 523-9005

Charlotte Insurance
5113 Piper Station Dr #207Charlotte, NC 28277(704) 536-0995

Todd Younker – State Farm Insurance Agent
7725 Matthews-Mint Hill RoadCharlotte, NC 28227(704) 545-9111

Michael Pritchard – State Farm Insurance Agent
8633 Monroe Rd dCharlotte, NC 28212(704) 535-2292

More Charlotte, NC insurance agents

How to find cheaper car insurance for a Ford Fusion

The list below shows some of the better money-saving suggestions that can help you get low-cost coverage.

The final tip is extremely important, as we pointed out in the article above. Car insurance rates go up and down frequently, so don’t be tentative to buy from a new company if a more affordable price is available. Having a favorite company is great, but it isn’t a good idea if that inflexibility results in costing you thousands of dollars over several years. Take a couple minutes and compare rates to find cheaper insurance for a Ford Fusion in Charlotte.