Finding the best cheap insurance for a Ford Fusion in Nevada is pretty easy to do, but it relies on a lot of factors such as age of the driver, your credit history, and citations on your driving record. Nevada drivers pay approximately $1,161 per year for Fusion insurance, but that cost is an estimation based upon a 30-year-old married male driver with full coverage and $100 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 30 years old and maybe not even male, maybe you are single instead of married, or maybe you prefer to not insure for full coverage. Even a slight change in the criteria used to calculate rates can make a big difference in rates.
This demonstrates why the way we recommend to find the cheapest coverage for your Ford is to just take the time to compare rates yourself. It only takes a few minutes and you can get prices from the cheapest companies that sell coverage in Nevada.
The specific trim level impacts price, so the rate you pay to insure a Fusion S 4-Dr Sedan will be $240 lower than the insurance cost for the higher-priced Fusion Sport AWD 4-Dr Sedan model, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Fusion S 4-Dr Sedan||$266||$478||$308||$18||$92||$1,162||$97|
|Fusion SE 4-Dr Sedan||$300||$564||$308||$18||$92||$1,282||$107|
|Fusion Hybrid 4-Dr Sedan||$300||$650||$386||$22||$116||$1,474||$123|
|Fusion SEL 4-Dr Sedan||$300||$564||$308||$18||$92||$1,282||$107|
|Fusion Sport 4-Dr Sedan||$300||$564||$308||$18||$92||$1,282||$107|
|Fusion SEL AWD 4-Dr Sedan||$334||$650||$308||$18||$92||$1,402||$117|
|Fusion Sport AWD 4-Dr Sedan||$334||$650||$308||$18||$92||$1,402||$117|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location information which can affect premium rates greatly.
Nevada auto insurance companies
Insuring your vehicle with the best insurance company is hard considering how many different companies sell coverage in Nevada. The company ratings shown below may help you pick which car insurance providers you want to consider when looking for cheaper rates. The ratings below are only made up of large insurance companies, so companies that may only write in Nevada are not included in these rankings.
Top 10 Large Auto Insurers in Nevada Ranked by Customer Satisfaction
- Titan Insurance - 95%
- USAA - 94%
- AAA Insurance - 91%
- Nationwide - 90%
- State Farm - 90%
- The Hartford - 89%
- GEICO - 89%
- 21st Century - 88%
- Liberty Mutual - 88%
- Allstate - 88%
Top 10 Large Auto Insurers Overall in Nevada
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top Companies for Ford Fusion Insurance in Nevada
Discount Nevada insurance
Insurers that provide policies for a Ford Fusion may additionally offer discounts that could lower prices by as much as 25% or more if you meet specific eligibility requirements. Companies and some of their more popular discounts are included below.
- Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, homeowner, online signing, online quote discount, and multi-policy.
- MetLife offers discounts for multi-policy, good student, accident-free, claim-free, good driver, defensive driver
- Mercury Insurance may have discounts that include anti-theft, age of vehicle, location of vehicle, good driver, and low natural disaster claims.
- Nationwide has savings for multi-policy, defensive driving, good student, Farm Bureau membership, family plan, and accident-free.
- GEICO may include discounts for membership and employees, air bags, military active duty, driver training, defensive driver, daytime running lights, and multi-policy.
- AAA discounts include pay-in-full, good driver, anti-theft, multi-car, good student, and education and occupation.
The chart below shows the difference between annual premium costs with and without discounts applied to the policy premium. The premiums are based on a female driver, a clean driving record, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, defensive driving course, homeowner, anti-theft, multiple vehicle, and multiple policy discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on auto insurance for a Ford Fusion is 28% or $590.
Comparing rates on Fusion insurance can save you money
Nevada auto insurance rates are calculated based on many things which can substantially change the policy price. Simply getting older, moving across town, or getting into an accident can trigger rate changes that can make some companies cheaper than competitors. Not only may things change on your end, but companies file new Nevada car insurance rates as needed in order to remain profitable. A period of higher than normal claims may result in higher rates, while lower claim expenses can cause lower-priced Fusion insurance rates.
The chart below shows the companies that have the cheapest car insurance in Nevada for a 45-year-old male driver with no violations or accidents, and a good credit history. If we compare prices based on his current risk factors, Allied has the most affordable car insurance rates in Nevada at $921 each year. This is $653 less than the average policy premium paid by Nevada drivers of $1,574. Travelers, Capital, Oregon Mutual, and American Family round out the rest of the most affordable Nevada auto insurance companies.
The chart below compares rates after we give the driver in the first example a claim, a lower credit rating, and a stop sign violation. Since each insurance company has their own process to establish rates, comparing rates may now result in a significantly different list of cheap Nevada auto insurance companies as shown below.
Progressive now has the cheapest price in Nevada with Nationwide, USAA, Safeco, and Travelers completing the list. This demonstrates why consumers need to take the time to compare as many rates as possible when trying to get the most economical insurance quotes for a Ford Fusion. Rates can be determined by many factors and can increase or decrease at any time, so the most economical company the last time you shopped around may now be priced much higher than other options.