Who Has the Cheapest Auto Insurance for a Ford Fusion in Jersey City?

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Ford Fusion insurance policy
Ford Fusion insurance policy image courtesy of QuoteInspector.com

Buying the best cheap insurance for a Ford Fusion in New Jersey is pretty simple for most people to do, but it is dependent upon a complicated rating formula that uses factors such as how old the Fusion is, if you have prior claims, and any prior driving offenses. Drivers will pay around $1,809 annually to insure their Fusion, but that cost is a projection using a 30-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.

The issue with using an average estimated rate is the likelihood you may not be 30 years old (or even male), possibly single instead of married, or you just want cheap liability insurance instead of full coverage. Different coverage needs are the reason why the only real way to find the most affordable coverage for your Ford is to do the rate comparisons yourself.

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The specific trim level has an effect on price, so the rate you pay to insure a Fusion S 4-Dr Sedan model will be $374 less than the insurance cost for the high end Fusion Sport AWD 4-Dr Sedan model, as demonstrated by the prices below.

Ford Fusion Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Fusion S 4-Dr Sedan $414 $746 $480 $28 $144 $1,812 $151
Fusion SE 4-Dr Sedan $466 $880 $480 $28 $144 $1,998 $167
Fusion Hybrid 4-Dr Sedan $466 $1014 $600 $36 $180 $2,296 $191
Fusion SEL 4-Dr Sedan $466 $880 $480 $28 $144 $1,998 $167
Fusion Sport 4-Dr Sedan $466 $880 $480 $28 $144 $1,998 $167
Fusion SEL AWD 4-Dr Sedan $520 $1014 $480 $28 $144 $2,186 $182
Fusion Sport AWD 4-Dr Sedan $520 $1014 $480 $28 $144 $2,186 $182
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Premium costs do not factor in specific location which can revise prices considerably.

Locating cost effective car insurance is difficult, and finding out which company quotes the cheapest auto insurance rates for a Ford Fusion will involve even more diligence.

Every insurance provider uses their own calculation for establishing rates, so to begin we'll rank the most budget-friendly auto insurance companies in Jersey City. It's important to know that Jersey City, NJ auto insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Getting older, having a teen driver, or having a fender bender can cause premium changes that can cause some rates to be much higher than others.

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New Jersey auto insurance company rankings
Rank Company Cost Per Year
1 21st Century $1,067
2 Travelers $1,180
3 New Jersey Manufacturers $1,271
4 Palisades $1,341
5 Penn National $1,379
6 Allstate $1,493
7 California Casualty $1,495
8 The Hartford $1,536
9 USAA $1,600
10 Mercury $1,651
11 Progressive $1,862
12 Amica $1,869
13 Esurance $1,894
14 MetLife $1,991
15 GEICO $2,240
16 State Farm $2,248
17 Encompass $2,327
18 Liberty Mutual $3,008
19 Hanover $3,987
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21st Century normally has some of the cheapest car insurance rates in Jersey City at around $1,067 a year. This is $785 less than the average premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Palisades, and Penn National also qualify as some of the lowest-priced Jersey City, NJ auto insurance companies.

As shown above, if you currently buy coverage from Palisades and switched to Travelers, you could realize yearly savings of upwards of $161. Policyholders with Penn National might save as much as $199 a year, and Allstate insureds might cut rates by $313 a year.

Bear in mind that those premiums are averages for all drivers and vehicles in New Jersey and and are not figured with an exact vehicle garaging location for a Ford Fusion. So the insurer that can offer you the best price may not even be in the top 19 companies in the list above. That is why you need to quote rates from many companies using your own driver and vehicle profiles.

Irresponsible driving raises your rates

A great way to find affordable auto insurance prices for a Fusion is to drive safely and avoid traffic citations and accidents. The example below highlights how traffic violations and at-fault claims can drive up car insurance costs for different insured age categories. The costs are based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are factored in.

In the previous chart, the average cost of car insurance in New Jersey per year with no violations or accidents is $2,942. Get written up for two speeding tickets and the average cost hikes up to $3,958, an increase of $1,016 each year. Next add one accident along with the two speeding tickets and the annual cost of auto insurance for a Ford Fusion increases to an average of $4,981. That's an increase of $2,040, or $170 per month, just for being a little careless behind the wheel!

Who has the cheapest Fusion insurance?

Jersey City, NJ auto insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. Simply getting older, buying a home, or getting a couple of tickets may generate price changes that can now make some companies cheaper in comparison to the competition.

Also, insurers change premium rates every year in order to offset underwriting gains or losses. Heavier than normal losses can cause more expensive prices, while a profitable period can result in lower-priced Fusion insurance rates.

For example, the data below demonstrates which company has the cheapest car insurance in Jersey City, NJ for a 30-year-old female driver with a clear driving record, no claims, and a high credit rating. When comparing rates based on her personal risk profile, 21st Century may offer the most affordable car insurance rates in Jersey City at $1,541 annually. This is $311 less than the average policy premium paid by New Jersey drivers of $1,852. Travelers, New Jersey Manufacturers, Penn National, and Palisades also make the list of the best Jersey City, NJ auto insurance companies.

In this example, we will give the driver from above a chargeable claim, a lower credit score, and a blemish on her driving record. Since each insurance company uses their own formula to establish rates, analyzing rate quotes may now result in a different ranking of the cheapest Jersey City car insurance companies as shown below.

The Hartford now has the cheapest car insurance in Jersey City, NJ with Allstate, USAA, Travelers, and Mercury now being in the top five. This illustrates why drivers need to shop around when trying to get the most budget-friendly car insurance rates for a Ford Fusion.

Rates consist of many factors and change frequently, so the best price the last time you shopped around may now be costing you a lot of money.

If you aren't sure which coverage to buy and prefer to have a consultation when shopping around for cheaper insurance for a Fusion, the insurance agencies below are a good start to aid you in deciding which coverage fits your budget.

To find an agent close to you, click the button link following the list or click here to compare price quotes.

Exodus Insurance Services
758 Ocean Ave - Jersey City, NJ 07304 - (201) 433-1015

Allstate Insurance: Emad Soliman
844 Bergen Ave - Jersey City, NJ 07306 - (201) 332-6999

GG Insurance - Independent Insurance Agent
270 Marin Boulevard, Metropolis Towers Suite #14D - Jersey City, NJ 07302 - (800) 801-0394

State Farm Insurance - Freddy Duran
1025 Summit Ave - Jersey City, NJ 07307 - (201) 604-3874

MOMS Insurance Agency
155 Martin Luther King Dr B - Jersey City, NJ 07305 - (201) 451-3200

Find a Jersey City, NJ insurance agent near you