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The best states to buy and insure a used Ford Fusion

When you are buying a used car, you have to add the cost of the first year’s insurance to the price of the car. The total cost of the car is, thus, the price of the car, and the cost of insuring it for a year. It is always best to know the average rates of insurance of the car you are coveting before you take the leap.

If the Ford Fusion has been the object of your desire, you should know which state has the best Ford Fusion deals before you decide on one. In South Carolina, for example, you can buy a used Ford Fusion for the median price of $15,850. The median price of a used Ford Fusion ranges from $15,850 (its price in South Carolina) to $18,995 (its median price in Alaska).

The table below lists the cheapest states to buy the Fusion from, and also gives us details of the insurance costs in those states.

State Average Yearly Insurance ($) Median Price ($) Insurance Percentage (%)
South Carolina 1,136 15,850 7
Florida 1,308 15,900 8
New Mexico 1,261 15,960 7
Tennessee 1,578 15,981 9
Maine 811 15,983 5
Maryland 1,623 15,988 10
Kentucky 1,890 15,988 11
Ohio 1,016 15,990 6
Virginia 1,198 15,994 7
Minnesota 1,596 15,994 9
Michigan 2,663 15,995 16
Texas 1,388 15,999 8

If you live in one of the states listed in the table above, your cost of buying a used Fusion is lower than $16,000.

If you live in one of the other states, you can buy the Fusion from the state closest to yours where it is cheaper and have it shipped to your home. The cost of shipping ranges from $600 to $1,000 depending on your location. If you live in one of the states where the Fusion costs more than $18,000 (such as Nebraska or Alaska), having it shipped might be a wise decision.

Insurance-wise, the best states to own a Fusion are –

1.Maine –

Maine has the lowest average annual insurance cost ($811) for the Ford Fusion. The median price of the Fusion is also not very high (15,893) in Maine.

2.Iowa –

The median price of a used Ford Fusion is $16,995 here. The insurance average is, however, $880, which is the second lowest in the U.S.

3.Indiana –

Hoosiers pay an average of $994 on insuring their Ford Fusion, i.e., 5% of the median price ($16,990).

Average Yearly Insurance Premium $1,460
Ford Fusion MSRP $26,850
Estimated Monthly Income to Afford a Ford Fusion Car including Insurance $500

Ford Fusion - Average Insurance Price by Segment

Male $2,100
Male Married $1,820
Female $1,330
Female Married $1,190
Teenage Boy $5,090
Teenage Girl $3,670

Ford Fusion Safety Features - 2013

Side airbags: front and rear head curtain airbags and front seat-mounted torso airbags Driver and front passenger knee airbags: separate airbags in the lower instrument panel designed to minimize knee injuries in frontal crashes Electronic stability control Antilock brakes Daytime running lights (optional on vehicles sold to fleets)

Expensive States for Insuring Ford Fusion

RankStateAverage Insurance of Ford FusionMSRPEstimated Monthly Income to Afford a Ford Fusion including Insurance Cost
1 Georgia $3,000 $23,200 $460
2 Michigan $2,700 $26,800 $520
3 Louisiana $2,300 $25,200 $490
4 Oklahoma $2,000 $23,800 $460
5 Kentucky $1,900 $23,100 $440
6 Connecticut $1,900 $26,700 $510
7 Pennsylvania $1,800 $27,500 $520
8 Montana $1,800 $26,700 $510
9 Missouri $1,700 $25,400 $480
10 Arkansas $1,700 $28,800 $540

Cheap States for Insuring Ford Fusion

RankStateAverage Insurance of Ford FusionMSRPEstimated Monthly Income to Afford a Ford Fusion including Insurance Cost
1 Maine $800 $28,100 $510
2 Iowa $900 $24,400 $450
3 Indiana $1,000 $25,300 $470
4 North Carolina $1,000 $28,700 $530
5 Ohio $1,000 $25,600 $470
6 Colorado $1,100 $27,500 $510
7 Illinois $1,100 $27,200 $500
8 South Carolina $1,100 $26,100 $480
9 Washington $1,100 $33,400 $610
10 Wisconsin $1,100 $22,900 $430

Ford Fusion - Remaining States under Study

RankStateAverage Insurance of Ford FusionMSRPEstimated Monthly Income to Afford of Ford Fusion including Insurance Cost
1 Idaho $1,200 $32,300 $590
2 Kansas $1,200 $27,500 $510
3 Mississippi $1,200 $27,500 $510
4 North Dakota $1,200 $24,600 $460
5 New Hampshire $1,200 $27,500 $510
6 Virginia $1,200 $26,700 $490
7 Alaska $1,300 $28,100 $520
8 Florida $1,300 $27,000 $500
9 New Mexico $1,300 $26,700 $500
10 New York $1,300 $26,600 $490
11 Vermont $1,300 $26,700 $500
12 Alabama $1,400 $27,500 $510
13 Arizona $1,400 $27,100 $510
14 Hawaii $1,400 $28,600 $530
15 Massachusetts $1,400 $30,400 $560
16 Nevada $1,400 $29,600 $550
17 Oregon $1,400 $29,000 $540
18 Texas $1,400 $25,700 $480
19 Wyoming $1,400 $23,000 $430
20 Delaware $1,500 $26,700 $500
21 Nebraska $1,500 $26,700 $500
22 New Jersey $1,500 $26,700 $500
23 Utah $1,500 $26,900 $500
24 California $1,600 $29,300 $550
25 Maryland $1,600 $25,700 $480
26 Minnesota $1,600 $25,500 $480
27 Rhode Island $1,600 $26,500 $500
28 Tennessee $1,600 $25,800 $490
29 West Virginia $1,600 $27,400 $510

Ford Fusion Models Comparison

Model Style Cylinders MSRP Average Premium of Ford Fusion models Est. Monthly Income to Afford a Ford Fusion including Insurance Cost
Fusion S 4 Door Sedan 4 cyl. $26,900 $1,440 $500
Fusion SE 4 Door Sedan 4 cyl. $26,900 $1,470 $500
Fusion SEL 4 Door Sedan 4 cyl. $26,900 $1,500 $500

Ford Fusion vs Mid Size Sedan Insurance Comparision