Ford Fusion Insurance Rates
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UPDATED: Jun 5, 2023
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Average Ford Fusion car insurance rates amount to $1,492 a year for full coverage. This figure fluctuates based on a variety of factors such as the age, location, and driving record of the policyholder.
Another thing that impacts your individualized rate is the year and trim level of your vehicle. For example, 2014 Ford Fusion SE insurance rates are typically more expensive than 2007 Ford Fusion insurance rates or 2006 Ford Fusion insurance rates
In order to make Ford Fusion insurance easy to understand, we have prepared this comprehensive guide. The details contained in this article will help you on your way to securing an affordable Ford Fusion car insurance policy that you can feel confident about.
When you’re ready, read through the helpful information below and don’t forget to use our free online tool so you can finally answer the question, “Is the Ford Fusion expensive to insure?”
The average insurance rates for a Ford Fusion are $1,230 a year including full coverage. Comprehensive costs on average $224 each year, collision costs $388, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing around $2,666. Teenage drivers cost the most to insure at $4,778 a year or more.
Average premium for full coverage: $1,230
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Fusion models.
Price Range Variability
For an average driver, Ford Fusion insurance rates go from the low end price of $510 for liability-only coverage to a high rate of $2,666 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.
The graphic below illustrates the effect of geographic area on car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down estimated Ford Fusion insurance rates for different risk profiles and scenarios.
- The best discount rate is $719
- Choosing higher $1,000 deductibles can save around $140 every year
- The estimated price for a good driver age 40 with $500 deductibles is $1,230
- Using low deductibles for comp and collision coverage bumps up the cost to $1,498
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,666 or more
- Policy cost that insures a teen driver may cost $4,778 each year
Auto insurance rates for a Ford Fusion also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $4,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,112 | -$118 | -9.6% |
Alaska | $944 | -$286 | -23.3% |
Arizona | $1,022 | -$208 | -16.9% |
Arkansas | $1,230 | -$0 | 0.0% |
California | $1,400 | $170 | 13.8% |
Colorado | $1,176 | -$54 | -4.4% |
Connecticut | $1,264 | $34 | 2.8% |
Delaware | $1,390 | $160 | 13.0% |
Florida | $1,538 | $308 | 25.0% |
Georgia | $1,134 | -$96 | -7.8% |
Hawaii | $882 | -$348 | -28.3% |
Idaho | $832 | -$398 | -32.4% |
Illinois | $914 | -$316 | -25.7% |
Indiana | $924 | -$306 | -24.9% |
Iowa | $828 | -$402 | -32.7% |
Kansas | $1,168 | -$62 | -5.0% |
Kentucky | $1,676 | $446 | 36.3% |
Louisiana | $1,818 | $588 | 47.8% |
Maine | $760 | -$470 | -38.2% |
Maryland | $1,014 | -$216 | -17.6% |
Massachusetts | $984 | -$246 | -20.0% |
Michigan | $2,136 | $906 | 73.7% |
Minnesota | $1,030 | -$200 | -16.3% |
Mississippi | $1,472 | $242 | 19.7% |
Missouri | $1,090 | -$140 | -11.4% |
Montana | $1,320 | $90 | 7.3% |
Nebraska | $970 | -$260 | -21.1% |
Nevada | $1,474 | $244 | 19.8% |
New Hampshire | $888 | -$342 | -27.8% |
New Jersey | $1,376 | $146 | 11.9% |
New Mexico | $1,090 | -$140 | -11.4% |
New York | $1,296 | $66 | 5.4% |
North Carolina | $708 | -$522 | -42.4% |
North Dakota | $1,006 | -$224 | -18.2% |
Ohio | $850 | -$380 | -30.9% |
Oklahoma | $1,264 | $34 | 2.8% |
Oregon | $1,126 | -$104 | -8.5% |
Pennsylvania | $1,174 | -$56 | -4.6% |
Rhode Island | $1,642 | $412 | 33.5% |
South Carolina | $1,114 | -$116 | -9.4% |
South Dakota | $1,038 | -$192 | -15.6% |
Tennessee | $1,078 | -$152 | -12.4% |
Texas | $1,482 | $252 | 20.5% |
Utah | $910 | -$320 | -26.0% |
Vermont | $840 | -$390 | -31.7% |
Virginia | $736 | -$494 | -40.2% |
Washington | $952 | -$278 | -22.6% |
West Virginia | $1,126 | -$104 | -8.5% |
Wisconsin | $850 | -$380 | -30.9% |
Wyoming | $1,098 | -$132 | -10.7% |
Using high physical damage deductibles can save as much as $410 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Ford Fusion S 4-Dr Sedan | $1,154 | $96 |
Ford Fusion SE 4-Dr Sedan | $1,182 | $99 |
Ford Fusion Hybrid 4-Dr Sedan | $1,396 | $116 |
Ford Fusion SEL 4-Dr Sedan | $1,210 | $101 |
Ford Fusion Sport 4-Dr Sedan | $1,238 | $103 |
Ford Fusion SEL AWD 4-Dr Sedan | $1,268 | $106 |
Ford Fusion Sport AWD 4-Dr Sedan | $1,268 | $106 |
Rates assume 2015 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2017 Ford Fusion | $250 | $470 | $456 | $1,334 |
2016 Ford Fusion | $240 | $422 | $460 | $1,280 |
2015 Ford Fusion | $224 | $388 | $460 | $1,230 |
2014 Ford Fusion | $216 | $364 | $464 | $1,202 |
2013 Ford Fusion | $210 | $340 | $474 | $1,182 |
2012 Ford Fusion | $194 | $316 | $474 | $1,142 |
2011 Ford Fusion | $190 | $286 | $478 | $1,112 |
2010 Ford Fusion | $176 | $262 | $474 | $1,070 |
2009 Ford Fusion | $166 | $238 | $474 | $1,036 |
2008 Ford Fusion | $162 | $214 | $468 | $1,002 |
2007 Ford Fusion | $158 | $208 | $460 | $984 |
2006 Ford Fusion | $156 | $198 | $452 | $964 |
Rates are averaged for all Ford Fusion models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Ford Fusion Insurance
Finding cheaper rates on Ford Fusion insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
Below is a summary of the data that was covered in the above illustrations.
- You may be able to save as much as $150 per year simply by quoting online in advance
- Drivers who require higher levels of liability will pay an extra $510 per year to raise limits from a 30/60 limit to the 250/500 level
- Teenage drivers are charged the highest rates, with premiums being up to $398 each month if the policy includes full coverage
- High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,440 more each year for auto insurance
You might have noticed that Ford Fusion car insurance companies consider a wide assortment of factors when providing customers with quotes. However, you can receive Ford Fusion quotes in real-time by using our free tool below.
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What are the safety ratings of the Ford Fusion?
It’s important to consider the safety ratings of the Ford Fusion to get a good idea of where you might qualify for policy discounts. The ratings below show the breakdown of the crash test ratings for this model as determined by the Insurance Institute for Highway Safety (IIHS).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: N/R
As you can see from the results, the Ford Fusion earned the highest mark possible in every category that was tested.
Ford Fusion Compared Against Other Vehicles in the Same Class
Classified as a midsize four-door sedan, the Ford Fusion is in the middle of the pack when it comes to curb weight. That can make it difficult to understand how to price out a fair insurance policy.
In order to see how the Ford Fusion’s insurance rates compare, take a look at these other similar models that belong in the same vehicle class.
When it comes down to the figures, the IIHS reports that the Nissan Pathfinder has a bodily injury loss percentage of 25 percent and a property damage loss percentage of 13 percent. These figures are around the average for this vehicle class, making Ford Fusion insurance rates pretty standard.
Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Ford Fusion insurance quotes from multiple providers today.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,778 |
20 | $2,842 |
30 | $1,268 |
40 | $1,230 |
50 | $1,126 |
60 | $1,104 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,498 |
$250 | $1,372 |
$500 | $1,230 |
$1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,230 |
50/100 | $1,360 |
100/300 | $1,475 |
250/500 | $1,774 |
100 CSL | $1,406 |
300 CSL | $1,659 |
500 CSL | $1,843 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,780 |
20 | $4,528 |
30 | $2,708 |
40 | $2,666 |
50 | $2,548 |
60 | $2,526 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $64 |
Multi-vehicle | $66 |
Homeowner | $20 |
5-yr Accident Free | $85 |
5-yr Claim Free | $79 |
Paid in Full/EFT | $52 |
Advance Quote | $59 |
Online Quote | $86 |
Total Discounts | $511 |
Discounts are estimated and may not be available from every company or in every state.
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