Buying economical car insurance for a Ford Fusion in New Jersey is pretty easy to do, but it depends on many rating criteria such as the safety rating for your Fusion, your address, and if you have a history of accidents. Drivers in New Jersey will pay around $2,052 each year for Fusion insurance, but that amount is calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $100 deductibles.
There’s a high likelihood you may not be 30 years old (or even male), possibly married instead of single, or maybe you just want liability only. This demonstrates why the best way to find the most affordable coverage for your Ford is to compare rates from as many companies as possible.
View Ford Fusion Insurance Rates
The specific trim level has an effect on the coverage cost, so the price you pay to insure a Fusion S 4-Dr Sedan trim level will be $388 less than the cost to insure the higher-end Fusion Sport AWD 4-Dr Sedan trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Fusion S 4-Dr Sedan | $472 | $746 | $630 | $38 | $188 | $2,074 | $173 |
| Fusion SE 4-Dr Sedan | $532 | $880 | $630 | $38 | $188 | $2,268 | $189 |
| Fusion Hybrid 4-Dr Sedan | $532 | $1014 | $788 | $46 | $236 | $2,616 | $218 |
| Fusion SEL 4-Dr Sedan | $532 | $880 | $630 | $38 | $188 | $2,268 | $189 |
| Fusion Sport 4-Dr Sedan | $532 | $880 | $630 | $38 | $188 | $2,268 | $189 |
| Fusion SEL AWD 4-Dr Sedan | $592 | $1014 | $630 | $38 | $188 | $2,462 | $205 |
| Fusion Sport AWD 4-Dr Sedan | $592 | $1014 | $630 | $38 | $188 | $2,462 | $205 |
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Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can lower or raise premium rates considerably.
Finding out which company has the best insurance rates for a Ford Fusion will take a little more work than just picking a company at random. Each auto insurer has a unique approach to establish rates, so to begin we’ll rank the insurance companies that tend to have lower prices in Newark, NJ.
It’s a good idea to be aware that Newark insurance rates are based on many factors that will increase or decrease the price you have to pay for coverage. Simply getting older, getting married, or getting a driving violation may generate price changes resulting in some rates now being more affordable than competitors.
Best Insurance Companies for Your Fusion
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | 21st Century | $1,111 |
| 2 | Travelers | $1,156 |
| 3 | New Jersey Manufacturers | $1,310 |
| 4 | Palisades | $1,341 |
| 5 | Penn National | $1,379 |
| 6 | California Casualty | $1,437 |
| 7 | Allstate | $1,493 |
| 8 | The Hartford | $1,536 |
| 9 | USAA | $1,600 |
| 10 | Mercury | $1,651 |
| 11 | Esurance | $1,838 |
| 12 | Amica | $1,869 |
| 13 | Progressive | $1,881 |
| 14 | MetLife | $1,932 |
| 15 | State Farm | $2,160 |
| 16 | GEICO | $2,174 |
| 17 | Encompass | $2,374 |
| 18 | Liberty Mutual | $3,008 |
| 19 | Hanover | $3,909 |
| Quote Your Rates Go | ||
21st Century has some of the lowest car insurance rates in Newark at around $1,111 annually. This is $741 less than the average price paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National would also be considered some of the most economical Newark, NJ auto insurance companies.
As depicted above, if you have coverage with Palisades and switched to Travelers, you might see savings of in the neighborhood of $185. Insureds with Penn National may save as much as $223 a year, and California Casualty policyholders might lower prices by up to $281 a year.
To find cheaper insurance rates for your vehicle, click here to start your custom quote or visit any of the low-priced companies below.
Bear in mind that those premium estimates are averages across all drivers and vehicles and and are not figured with a specific location for a Ford Fusion. So the car insurance company that fits your age and vehicle best may not even be in the top 19 companies shown above. That illustrates why you need to get auto insurance quotes using your own driver and vehicle profiles.
Impact of careless driving on insurance rates
In a perfect world, the best way to receive good insurance prices in Newark for a Fusion is to be a good driver and maintain a clean driving record. The example below shows how violations and accidents drive up auto insurance rates for different ages of insureds. The rates are based on a married male driver, comp and collision included, $500 deductibles, and no discounts are applied.
In the previous chart, the average cost of car insurance per year with no violations or accidents is $2,460. Get one speeding ticket and the average cost swells to $2,828, an increase of $368 each year. Now include one accident along with the one speeding ticket and the 12-month cost of insurance for a Ford Fusion increases to an average of $3,859. That’s an increase of $1,399, or $117 per month, just for not paying attention while driving!
Chances are good that you’re overpaying for Fusion insurance
New Jersey insurance rates are calculated based on many things that can increase the price of coverage. Turning one year older, adding a teenager to your policy, or having an at-fault accident can trigger rate changes that may make certain companies cheaper than competitors.
Also, car insurance companies modify rates every year in order to remain profitable. An unexpected high level of claims can cause more expensive premiums, while lower claim levels can produce cheaper Fusion insurance rates.
To illustrate this example, the bar chart below shows which company has the cheapest car insurance in Newark, NJ for a 30-year-old female driver with no prior claims, no tickets, and good credit. When comparing rates based on her personal profile, 21st Century has the best car insurance rates in Newark at $1,673 annually. This is $179 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades are the remainder of the cheapest Newark, NJ auto insurance companies.
In this next rate comparison, we will give the driver from the first set of rates an at-fault accident, a lower credit score, and an imperfect driving record. Since every car insurance company has a unique approach for establishing rates, comparing insurance quotes may now present a completely different list of affordable companies as shown below.
The Hartford now has the cheapest rate in Newark, NJ with Allstate, USAA, Mercury, and Travelers also having competitive pricing. This illustrates why New Jersey drivers need to perform a complete rate comparison to find cheap insurance rates for a Ford Fusion.
Rates are determined by many things and can increase or decrease at any time, so the most affordable company when you bought your policy may now be quite expensive.
How to find the cheapest auto insurance for a Ford Fusion
The list below summarizes some penny-pinching solutions that can help New Jersey drivers locate lower-cost coverage.
- Buy vehicles with five-star safety ratings
- Accidents can significantly increase rates
- Pay lower rates with good credit
- Ensure your driving record is clean
- Increase your physical damage deductibles
- Shop around for cheaper rates regularly
The last idea is very significant, as was noted in the article above. Car insurance rates can change significantly in a year, so you should be ready to change to a new company if a better deal can be had. Staying with the same company for years is fine, but it’s not recommended if it’s costing you a lot of money every month. It only takes a couple minutes to compare prices to find cheaper auto insurance for a Ford Fusion in Newark.
If you have questions and prefer to get help from a professional when comparing insurance rates for a Fusion, the professional agents shown below can help you determine which coverage meets your needs best. To find a Newark insurance agency near you, click the button after the list.
Milwaukee Insurance Co
10 Park Pl – Newark, NJ 07102 – (973) 648-3000
Arabo Insurance Group Inc
675 Bergen St – Newark, NJ 07108 – (973) 391-9595
Ironbound Business Insurance
275 Chestnut St – Newark, NJ 07105 – (866) 497-1001