Who Has Affordable Auto Insurance for a Ford Fusion in Madison?

Buying the best cheap coverage for a Ford Fusion is fairly simple, but it hinges on a lot of rating factors such as driver age, if you have a tendency to file claims, and your policy deductibles. Wisconsin drivers pay around $766 each year for Fusion insurance, but that price is an estimate calculated using a 40-year-old married female driver with full physical damage coverage and $250 deductibles.

Odds are that you may not be 40 years old (or even female), possibly single instead of married, and maybe you want higher deductibles. Different coverage needs are the reason why the best method for finding affordable rates for your Ford is to compare rates from as many companies as possible.

View Ford Fusion Insurance Rates

Vehicle trim level impacts price, so the rate you pay to insure a Fusion S 4-Dr Sedan will be $144 cheaper than the insurance cost for the more costly Fusion Sport AWD 4-Dr Sedan version, as shown in the table below.

Ford Fusion Insurance Rates in Madison, WI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $152 $294 $242 $14 $72 $774 $65
Fusion SE 4-Dr Sedan $172 $346 $242 $14 $72 $846 $71
Fusion Hybrid 4-Dr Sedan $172 $398 $302 $18 $90 $980 $82
Fusion SEL 4-Dr Sedan $172 $346 $242 $14 $72 $846 $71
Fusion Sport 4-Dr Sedan $172 $346 $242 $14 $72 $846 $71
Fusion SEL AWD 4-Dr Sedan $192 $398 $242 $14 $72 $918 $77
Fusion Sport AWD 4-Dr Sedan $192 $398 $242 $14 $72 $918 $77
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Price estimates do not factor in Madison location which can lower or raise coverage prices substantially.

Selecting a high-quality insurance company can be difficult considering how many choices drivers have in Wisconsin. The information displayed below can help you analyze which auto insurers to look at shopping your coverage with.

These rankings include major nationwide insurance companies, so smaller regional companies are not taken into consideration for this list. To check rates from many more Wisconsin auto insurance companies, simply click here.

Top 10 Major Auto Insurance Providers in Madison Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Erie Insurance – A+
  9. Progressive – A+
  10. Allstate – A+

Full coverage versus liability only rates

Lowering the price of auto insurance is important to most drivers, and an easy way to lower the cost of insurance for a Ford Fusion is to only buy liability coverage. The information below visualizes the comparison of car insurance costs when comparing full coverage to liability only. The price estimates are based on no claims or violations, $250 deductibles, single marital status, and no additional discounts are factored in.

As an average, physical damage coverage on your policy costs an additional $1,694 per year over liability only. Many people question when is the right time to remove full coverage. There is no set guideline of when to stop paying for full coverage, but there is a guideline you can use. If the annual cost of having full coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s book value is $5,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company will settle for is $4,500 after the policy deductible has been paid. If you are paying in excess of $450 a year for comprehensive and collision coverage, then it might be time to consider dropping full coverage.

There are some situations where removing full coverage is not a good plan. If you haven’t satisfied your loan, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should maintain full coverage.

Discount Madison insurance rates

Save on auto insurance for a Fusion in MadisonAuto insurance companies that offer cheap quotes for a Ford Fusion could also offer special discounts that could potentially reduce rates by as much as 35% if you meet specific eligibility requirements. A list of companies and a partial list of their discounts include:

The information below shows the comparison of annual premium costs with and without discounts applied to the rates. The information is based on a female driver, a clean driving record, no claims, Wisconsin state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with accident-free, anti-theft, multiple policy, passive restraint, vehicle safety, and homeowner discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on auto insurance for a Ford Fusion is 27% or $441.

How accidents and tickets impact rates

The best way to receive the cheapest auto insurance rates in Madison for a Fusion is to be a good driver and not get tickets or have accidents. The information below demonstrates how speeding tickets and at-fault fender-benders increase premium costs for different age categories. The prices are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

The chart shows that the average cost of an auto insurance policy in Madison per year with no accidents or violations is $1,450. Get one speeding ticket and the average cost jumps to $1,660, an increase of $211 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for a Ford Fusion goes up to an average of $3,397. That’s an increase of $1,948, or $162 per month, just for not driving attentively!