Who Has Cheap Auto Insurance Rates for a Ford Fusion in Pittsburgh?

Finding competitive coverage for a Ford Fusion hinges on a lot of rating factors such as how many years you have been driving, where you live, and whether or not you are a good driver. Drivers in Pennsylvania pay around $1,056 annually to insure their Fusion, but that is an estimate based upon a 50-year-old married female driver with both comprehensive and collision coverage and $100 deductibles.

This brings up the issue that more than likely you are not 50 years old and maybe not even female, single instead of married, or maybe you prefer liability limits higher than required by Pennsylvania state law. Not everyone needs the same coverages, so the only way to find affordable rates for your Ford is to do your own rate comparisons. Price quotes are quick and you can get prices from top-rated companies that insure Ford vehicles in Pennsylvania.

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Your vehicle’s trim level will have an impact the annual cost of coverage, so the price you will pay to insure a Fusion S 4-Dr Sedan model will be $208 lower than the price to insure the higher-end Fusion Sport AWD 4-Dr Sedan model, as shown by the rates below.

Ford Fusion Insurance Rates in Pittsburgh, PA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $218 $424 $310 $18 $92 $1,062 $89
Fusion SE 4-Dr Sedan $246 $500 $310 $18 $92 $1,166 $97
Fusion Hybrid 4-Dr Sedan $246 $576 $386 $22 $116 $1,346 $112
Fusion SEL 4-Dr Sedan $246 $500 $310 $18 $92 $1,166 $97
Fusion Sport 4-Dr Sedan $246 $500 $310 $18 $92 $1,166 $97
Fusion SEL AWD 4-Dr Sedan $274 $576 $310 $18 $92 $1,270 $106
Fusion Sport AWD 4-Dr Sedan $274 $576 $310 $18 $92 $1,270 $106
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Prices above based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in zip code location which can decrease or increase coverage prices greatly.

Trying to buy cost effective car insurance is not most people’s favorite thing to do, and determining which companies quote the cheapest car insurance rates for a Ford Fusion will require a little more work.

Each insurance company has their own guidelines to determine premium rates, so let’s take a look at the car insurance companies that tend to be cheaper in Pittsburgh, PA. It’s important that you understand Pittsburgh car insurance rates are based on many factors which can substantially change the price of coverage. That is why consumers need to take the time to perform a complete rate comparison to get the lowest car insurance quotes for a Ford Fusion. Car insurance prices can be altered by many risk factors and change frequently, so the best option the last time you checked may now be priced much higher than other options.

Best Cheap Insurance Rates for Your Fusion

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Pennsylvania car insurance ranked by cost per year
Rank Company Cost Per Year
1 General Casualty $748
2 USAA $785
3 Travelers $787
4 Penn National $816
5 Erie $816
6 Auto-Owners $993
7 Atlantic States $1,016
8 Amica $1,022
9 Donegal Mutual $1,058
10 GEICO $1,157
11 State Farm $1,174
12 Allied $1,179
13 California Casualty $1,222
14 State Auto $1,229
15 Harleysville $1,396
16 Encompass $1,398
17 Progressive $1,429
18 Nationwide $1,433
19 Mutual Benefit Group $1,439
20 Chubb $1,598
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General Casualty normally has some of the lowest car insurance rates in Pittsburgh at around $748 each year. USAA, Travelers, Penn National, and Erie also qualify as some of the most economical Pittsburgh, PA car insurance companies.

In the above example, if you are currently insured with USAA and switched to General Casualty, you could earn an annual premium reduction of approximately $37. Pennsylvania drivers with Travelers might save as much as $39 a year, and Penn National insureds might realize rate reductions of up to $68 a year.

If you would like to find cheaper car insurance rates, click here to get a free quote or click through to the companies below.

Be aware that those estimates are averaged for all types of drivers and the different vehicles they drive and are not factoring in an exact vehicle garaging location for a Ford Fusion. So the company that fits your needs best may not even be in the top 30 companies in the list above. That points out the importance of why you need to get auto insurance quotes using your own specific driver information and vehicle.

Rate increases following a ticket or accident

In a perfect world, the best way to obtain the cheapest car insurance premiums for a Fusion is to pay attention while driving and avoid accidents and traffic violations. The diagram below illustrates how traffic citations and accident claims can influence yearly insurance costs for different categories of driver ages. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are applied.

The data charted above shows the average cost of auto insurance in Pittsburgh per year with no violations or accidents is $1,892. Get two speeding tickets and the average cost surges to $2,703, an increase of $811 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Ford Fusion increases to an average of $5,468. That’s an increase of $3,576, or $298 per month, just for not keeping your driving record clean!

Here’s why you should compare rates often

Pittsburgh car insurance rates are impacted by many things that can increase the price you have to pay. Simply having a birthday, buying a different home, or having a fender bender can trigger changes in premium resulting in some rates now being more affordable than others. Not only may your risk profile change, but auto insurance companies file new rates as often as every three months in order to offset underwriting gains or losses. An unexpected high level of claims can cause high rates, while profitable underwriting can result in cheaper Fusion insurance rates.

The data below shows the cheapest car insurance in Pittsburgh, PA for a 45-year-old female driver with a good driving record, no prior claims, and excellent credit. When quoting prices based on her personal profile, General Casualty might offer the most affordable car insurance rates in Pittsburgh at $861 each year. This is $796 less than the average rate paid by Pennsylvania drivers of $1,657. Erie, Travelers, USAA, and Penn National are also on the list of the cheapest Pittsburgh, PA auto insurance companies.

Now we will give the driver from the first set of rates a claim or two, bad credit, and a couple of points charged on her driving record. Because every insurance company uses their own formula for determining rates in each state, analyzing rate quotes could result in a new list of the cheapest car insurance companies in Pittsburgh as shown below.

Auto-Owners now has the cheapest rate in Pittsburgh, PA with Atlantic States, Donegal Mutual, USAA, and GEICO now being in the top five. This example demonstrates why it is important to compare many different companies when trying to find affordable insurance quotes for a Ford Fusion.

Auto insurance prices consist of many different factors and can increase or decrease at any time, so the most economical company the last time you compared rates may now be an over-priced policy.