Who Has Cheap Auto Insurance for a Ford Fusion in San Jose?

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Finding affordable coverage for a Ford Fusion can be really easy, but it hinges on many different factors such as the safety rating for your Fusion, your geographic location, and if you have a history of accidents. California drivers pay approximately $1,706 a year for Fusion insurance, but that figure is using a 50-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.

Odds are that you aren't exactly 50 years old or even a male, possibly married instead of single, and you may just want the cheapest liability coverage you can find. Car insurance coverage is unique to each driver, so this is why the best way to find the cheapest rates for your Ford is to do your own rate comparisons.

Cheapest Ford Fusion Insurance Rates

Vehicle trim level will be a contributing factor to the annual cost of coverage, so the cost to insure a Fusion S 4-Dr Sedan model will be $338 lower than the price to insure the more well-appointed Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Ford Fusion Insurance Rates in San Jose, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $326 $708 $500 $30 $150 $1,714 $143
Fusion SE 4-Dr Sedan $370 $834 $500 $30 $150 $1,884 $157
Fusion Hybrid 4-Dr Sedan $370 $960 $624 $36 $186 $2,176 $181
Fusion SEL 4-Dr Sedan $370 $834 $500 $30 $150 $1,884 $157
Fusion Sport 4-Dr Sedan $370 $834 $500 $30 $150 $1,884 $157
Fusion SEL AWD 4-Dr Sedan $412 $960 $500 $30 $150 $2,052 $171
Fusion Sport AWD 4-Dr Sedan $412 $960 $500 $30 $150 $2,052 $171
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Information does not factor in specific location information which can raise or lower coverage prices noticeably.

Finding budget auto insurance is challenging, and determining which companies have the cheapest car insurance rates for a Ford Fusion calls for even more shopping around.

Each insurer uses a slightly different approach for establishing rates, so let's take a look at the lowest cost car insurance companies in California.

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,181
3 Nationwide $1,213
4 Century National $1,214
5 CSAA $1,222
6 21st Century $1,325
7 Grange $1,477
8 Allstate $1,497
9 Mercury $1,533
10 Progressive $1,542
11 GEICO $1,559
12 The Hartford $1,575
13 Allied $1,588
14 MetLife $1,654
15 State Farm $1,699
16 Unitrin $1,733
17 Esurance $1,739
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $2,026
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USAA may have some of the most affordable car insurance rates in San Jose at around $1,143 each year. Wawanesa, Nationwide, Century National, and CSAA would also be considered some of the best San Jose, CA auto insurance companies.

In this example, if you are a customer of CSAA and switched to Wawanesa, you might achieve annual savings of approximately $41. Customers with 21st Century could save as much as $144 a year, and Grange policyholders might lower prices by $296 a year.

To find the cheapest rates for your vehicle, click here to start your free quote or click several companies below for low rates.

It's important to note that these prices are averages for all ages of drivers and types of vehicles and and are not calculated with a vehicle location for a Ford Fusion. So the car insurance company that is most affordable for your situation may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own driver data and vehicle information.

Get discount San Jose car insurance rates

Discounts on car insurance for a Ford FusionCar insurance companies that offer cheap quotes for a Ford Fusion may also provide rate discounts that can reduce rates by as much as 35% if you are eligible to receive them. Popular car insurance companies and their offered discounts are:

The information below shows the comparison of insurance prices with and without policy discounts. The data is based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple vehicle, marriage, safe-driver, multiple policy, homeowner, and accident-free discounts applied. In this example, the average amount saved each year on car insurance for a Ford Fusion is 28% or $624.

Difference between liability only and full coverage rates

Finding cheaper car insurance is important to most people, and a good way to buy cheaper insurance for a Ford Fusion is to not buy comprehensive and collision coverage. The information below shows the comparison of insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no claims, a clean driving record, $250 deductibles, drivers are single, and no other discounts are factored in.

Averaged for all age groups, full coverage costs $2,743 per year over having just liability coverage. At some point, every insured wonders if buying full coverage is worth the expense. There is no clear-cut rule to drop physical damage coverage on your policy, but there is a general convention. If the yearly cost of full coverage is more than 10% of the vehicle's replacement cost less your deductible, then it might be time to buy liability only.

For example, let's assume your vehicle's book value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company will settle for is $9,500 after you pay the deductible. If you are currently paying more than $950 a year to have full coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not in your best interest. If you still have a loan on your vehicle, you have to keep full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in case of an accident, you should not eliminate full coverage.

Chances are good that you're overpaying for Fusion insurance

San Jose, CA car insurance rates are influenced by many factors which can substantially change the price of your policy. Simply getting older, moving to a new city, or getting a couple of tickets can cause premium changes that can cause some rates to be more affordable than others. Not only may your risk profile change, but insurance companies file new rates multiple times each year in order to be able to pay unexpected claims. An unexpected high level of claims may result in higher priced premiums, while less frequent claims can cause lower-cost Fusion insurance rates.

The bar chart below shows the companies that have the cheapest car insurance in San Jose, CA for a 45-year-old female driver with no accidents or violations, and a decent credit rating. When comparing rates based on her current rating profile, USAA offers the most affordable car insurance rates in San Jose at $1,272 a year. This is $379 less than the average rate paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide also make the list of the cheapest San Jose, CA auto insurance companies.

Now we will give the driver from the first set of rates a claim or two, poor credit, and a speeding citation. Since each insurance company has their own process for determining rates, comparing rates most likely will result in a slightly different list of companies as shown below.

Grange now has the best price in San Jose with Mercury, Progressive, GEICO, and Allied now rounding out the top five. This shows why consumers need to take the time to do a thorough rate comparison when trying to find affordable car insurance rates for a Ford Fusion. Car insurance prices can be determined by many factors and can increase or decrease at any time, so the best company three years ago may now be quite expensive.

If you aren't sure which coverage to buy and prefer to have professional advice when trying to find the best insurance rates for a Fusion, the insurance agencies below are a good start to help you determine which is the best policy.

To locate a San Jose insurance agent nearest to you, click the button at the bottom of the list.

View map of San Jose, CA insurance agents

Ideas for finding budget-friendly auto insurance for a Ford Fusion

It's not impossible to find cheaper rates, and here are a few money-saving ideas that can help drivers get low-cost coverage.

The final tip is extremely important, as was affirmed in this piece. Coverage rates can change significantly in a year, so drivers shouldn't be resistant to buy from a new company if you can find a cheaper rate. Brand loyalty is not necessarily bad, but it's not recommended if that inflexibility results in costing you a small fortune. If you have a few minutes, compare rates and find cheaper car insurance for a Ford Fusion in San Jose.