How Much Does Insurance Cost for a Ford Fusion in North Dakota?

Your chances of finding cheaper coverage for a Ford Fusion in North Dakota depends on a large number of factors like how old the Fusion is, whether or not you have filed claims in the past, and your choice of deductibles. Drivers will pay around $940 a year to insure a Ford Fusion, but that rate is a projection based on rate data for a 50-year-old single male who purchased comprehensive and collision coverage and $500 deductibles.

Odds are that you aren’t exactly 50 years old or even a male, you might be married instead of single, or maybe you have a speeding ticket that needs to be factored in. The different assumptions illustrate why the way we recommend to find cheap car insurance rates for your Ford is to put in the effort and compare rates. Quotes only take a couple of minutes and you will be able to compare rates from the best companies that sell coverage in North Dakota.

Find Cheaper Ford Fusion Insurance

Your vehicle’s trim level will most likely have an effect on the insurance rate, so the rate you will pay to insure a Fusion S 4-Dr Sedan trim level will be $158 less than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan trim level, as shown below.

Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in specific North Dakota garaging location which can decrease or increase premium rates considerably.

Determining which companies quote the most affordable car insurance rates for a Ford Fusion calls for a little more work in order to find the lowest price quote. Every car insurance company has a different process for setting rates, so let’s take a look at the car insurance companies with the overall cheapest rates in North Dakota.

It’s important that you understand North Dakota car insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. Turning one year older, buying a different vehicle, or getting a speeding ticket can trigger rate changes resulting in some companies being cheaper in comparison to the competition.

Best Cheap Insurance Rates for Your Fusion

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google.charts.setOnLoadCallback(drawNDT5qcibChart);function drawNDT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘USAA’, 711, ‘#33CFCA’], [‘Allied’, 894, ‘#2AACA8’], [‘Nodak Mutual’, 946, ‘#238F8C’], [‘Grinnell’, 1028, ‘#1D7774’], [‘Safeco’, 1122, ‘#186360’]]);var options = {title: ‘Top Five Low-Cost Car Insurance Companies in North Dakota’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1222,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

USAA may have some of the cheapest car insurance rates in North Dakota at around $711 a year. Allied, Nodak Mutual, Grinnell, and Safeco also qualify as some of the cheaper North Dakota car insurance companies.

In this example, if you are insured with Nodak Mutual and switched to USAA, you may realize an annual savings of roughly $235. Insureds with Grinnell could save as much as $317 a year, and Safeco policyholders might realize rate reductions of up to $411 a year.

To get a quick, customized rate comparison, click here to start a quote or quote rates from the companies below.

Bear in mind that those prices are averaged across all drivers and vehicles in North Dakota and do not factor in a specific rating modification for a Ford Fusion. So the auto insurance company that is best suited for you may not even be featured in the rate chart shown above. That points out the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.

The diagram below illustrates how your choice of deductibles can increase or decrease insurance prices when researching cheap insurance for a Ford Fusion. The rate quotes are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

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In the chart above, a 30-year-old driver could reduce rates by $324 a year by switching from a $100 deductible up to a $500 deductible, or save $494 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save $984 or more by choosing a higher deductible. If you make the decision to raise deductibles, it will now be necessary to have additional funds in a savings account to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Car insurance rates are higher with tickets and accidents

The recommended way to score good car insurance premiums for a Fusion is to be a good driver and maintain a clean driving record. The illustration below shows how traffic citations and accident claims can drive up yearly insurance costs for different age groups of insureds. The rates are based on a single male driver, full coverage, $500 deductibles, and no additional discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 2881,3425,3975],[‘Age 30’, 1511,2057,2605],[‘Age 40’, 1483,2025,2573],[‘Age 50’, 1353,1895,2447],[‘Age 60’, 1313,1855,2401],[‘Age 70’, 1613,2155,2703]]);var options = {title: ‘Accidents, Violations, and North Dakota Ford Fusion Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Fusion in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of an auto insurance policy in North Dakota per year with no violations or accidents is $1,692. Get written up for two speeding tickets and the average cost swells to $2,235, an increase of $543 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for a Ford Fusion jumps again to an average of $2,784. That’s an increase of $1,092, or $91 per month, just for not being more responsible behind the wheel!