Who Has the Cheapest Lubbock Auto Insurance Quotes for a Ford Fusion?

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Finding affordable coverage for a Ford Fusion in Texas is pretty simple, but it is dependent upon many rating criteria such as how old the Fusion is, your profession, and the level of deductible you choose. Drivers in Texas will pay on average $1,032 per year to insure their Fusion, but that figure is based upon a 50-year-old single male driver with both comprehensive and collision coverage and $1,000 deductibles.

Most likely you are not 50 years old and maybe not even male, married instead of single, or maybe you want different physical damage deductibles. Having the smallest difference in policy rating criteria or coverages can result in a big discrepancy in how much coverage for a Ford Fusion costs.

Everyone has unique insurance needs, and this illustrates why the best method for finding cheap insurance rates for your Ford is to do your own rate comparisons.

Find Cheaper Ford Fusion Insurance

The specific trim level can impact the annual cost of coverage, so the price you will pay to insure a Fusion S 4-Dr Sedan model will be $154 cheaper than the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan version, as shown below.

Ford Fusion Insurance Rates in Lubbock, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $156 $322 $430 $26 $128 $1,062 $89
Fusion SE 4-Dr Sedan $176 $378 $430 $26 $128 $1,138 $95
Fusion Hybrid 4-Dr Sedan $176 $436 $538 $32 $162 $1,344 $112
Fusion SEL 4-Dr Sedan $176 $378 $430 $26 $128 $1,138 $95
Fusion Sport 4-Dr Sedan $176 $378 $430 $26 $128 $1,138 $95
Fusion SEL AWD 4-Dr Sedan $196 $436 $430 $26 $128 $1,216 $101
Fusion Sport AWD 4-Dr Sedan $196 $436 $430 $26 $128 $1,216 $101
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in Lubbock location which can increase or decrease auto insurance rates greatly.

Comparing quotes for budget insurance is easier said than done, and deciding which company has the most affordable insurance rates for a Ford Fusion takes even more rate comparisons. Every insurance company uses their own calculation to determine rates, so let's begin by taking a look at the most competitive insurance companies in Lubbock.

Find the Best Cheap Insurance for Your Fusion

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Rankings for the cheapest car insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,095
3 Germania Mutual $1,244
4 Texas Farm Bureau $1,247
5 Esurance $1,407
6 California Casualty $1,424
7 Mercury $1,461
8 State Farm $1,510
9 Nationwide $1,538
10 Safe Auto $1,549
11 Allstate $1,667
12 Progressive $1,715
13 Amica $1,757
14 Home State $2,134
15 GEICO $2,135
16 Unitrin $2,241
17 MetLife $2,249
18 Encompass $2,301
19 21st Century $2,396
20 Titan $2,594
Quote Your Rates Go

Travelers quotes some of the lowest car insurance rates in Lubbock at around $1,021 per year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also some of the lowest-priced Lubbock, TX insurance companies.

As shown in the table above, if you are a customer of Texas Farm Bureau and switched to USAA, you could earn a yearly savings of about $152. Texas drivers with Esurance could save as much as $312 a year, and California Casualty insureds might see rate reductions of $329 a year.

These premiums are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific zip code for a Ford Fusion. So the company that has the cheapest price for you may not even be in the top 23 companies in the list above. That points out the importance of why you need to get quotes using your own driver data and vehicle information.

Violations and accidents raise rates

A great way to obtain the cheapest insurance rates in Lubbock for a Fusion is to be a careful driver and not get tickets or have accidents. The chart below shows how speeding tickets and accident claims can increase insurance rates for different age groups. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no discounts are factored in.

In the previous chart, the average cost of a car insurance policy in Lubbock per year with no violations or accidents is $1,764. Get written up for one speeding ticket and the average cost jumps to $2,055, an increase of $291 each year. Then throw in one accident along with the one speeding ticket and the annual cost of insurance for a Ford Fusion jumps again to an average of $2,874. That's an increase of $1,110, or $92 per month, just for not driving safely!

Get discount Lubbock insurance

Insurance for a Fusion in Lubbock, TXCar insurance companies that offer cheap quotes for a Ford Fusion may also provide rate discounts that could reduce prices by 40% or more if you qualify for them. A list of companies and their offered discounts are shown below.

The diagram below compares insurance rates with and without discounts applied to the rates. The rates are based on a female driver, no accidents, no driving violations, Texas state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with homeowner, accident-free, claim-free, anti-theft, safe-driver, and multiple policy discounts applied. In this example, theaverage yearly reduction on insurance for a Ford Fusion is 28% or $796.

Why you should be shopping around

Texas insurance rates are influenced by many factors which can significantly increase or decrease the cost of your policy. Simply having another birthday, filing a claim, or getting a ticket for careless driving can trigger rate changes that may make certain companies cheaper in comparison to the competition. Not only that, but insurers file new rates every year or even multiple times each year to ensure their profitability. Higher than usual claims can cause higher priced premiums, while lower claim expenses may produce lower-cost Fusion insurance rates.

The chart below compares the cheapest car insurance in Lubbock, TX for a 40-year-old male driver with no accidents, a clean driving record, and a decent credit rating. If we estimate prices based on his current situation, Travelers has the cheapest car insurance rates in Lubbock at $1,201 annually. This is $703 less than the average premium paid by Texas drivers of $1,904. USAA, Germania Mutual, Texas Farm Bureau, and Esurance are also included in the cheapest Lubbock, TX auto insurance companies.

Now we will give the driver from the first example a chargeable accident, a lower credit rating, and a speeding ticket. Since every car insurance company uses a different method to determining premium rates, analyzing rate quotes may now present a completely different list of cheap Lubbock auto insurance companies as shown below.

State Farm now has the best insurance rate in Lubbock with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This example proves why Texas drivers need to compare as many rates as possible when trying to find cheap auto insurance quotes for a Ford Fusion. Auto insurance prices are determined by many factors and change dramatically, so the best company when you last compared rates may now be costing you a lot of money.

How to find the cheapest insurance for a Ford Fusion

It's not impossible to find cheaper rates, and here are a few penny-pinching suggestions that can help drivers quote low-cost coverage.

That final tip is extraordinarily significant, as we emphasized in the article above. Coverage rates vary greatly, so don't hesitate to buy from a different company if a lower price can be found. Staying with the same car insurance company is fine, but it's not recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. Take a couple minutes and compare prices and find cheaper insurance for a Ford Fusion in Lubbock.

The agents shown below can help you decide which coverage meets your needs best, since lots of people like to have some advice when shopping for cheaper insurance for a Ford Fusion. It can be complicated to find the cheapest rates, and insurance agents can add satisfaction knowing your policy gives you decent coverage if you have a claim.

To find a Lubbock insurance agency near you, click the button below the list.

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