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2020 Ford Fusion Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2020 Ford Fusion are $1,468 a year for full coverage. Comprehensive costs an estimated $320 a year, collision costs $600, and liability costs $390. Buying a liability-only policy costs as little as $452 a year, with high-risk insurance costing around $3,182. Teenage drivers receive the highest rates at $5,422 a year or more.

Annual premium for full coverage: $1,468

Rate estimates for 2020 Ford Fusion Insurance

Comprehensive $320
Collision $600
Liability $390

Rate data is compiled from all 50 U.S. states and averaged for all 2020 Ford Fusion models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $452 for basic liability insurance to a high of $3,182 for a high risk driver.

Liability Only $452
Full Coverage $1,468
High Risk $3,182

View Chart as Image

2020 Ford Fusion insurance rates compared
Column chart showing 2020 Ford Fusion insurance prices range from $838 to $5,422 for full coverage

These differences show why it is important for drivers to compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2020 Ford Fusion Insurance

Searching Companies

Want better insurance rates for your Ford Fusion? Trying to find better insurance prices for a Ford Fusion can be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to find insurance online and you need to know the proper way to get price quotes for a Ford and get the lowest price.

Get lower-cost insurance coverage quotes with discounts

Car insurance is not cheap, but you might be missing out on some discounts that many people don’t even know exist. A few discounts will be applied when you purchase, but some need to be requested specifically before being credited.

  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle up can save 10% or more off the PIP or medical payment premium.
  • Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote car insurance on Fusion coverage depending on your company.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers enroll in driver’s education if offered at their school.
  • Online Discount – A handful of insurance companies may give you up to $50 just for signing your application on the web.
  • No Claim Discounts – Insureds who avoid accidents and claims pay much less when compared with drivers with a long claim history.
  • Driving Data Discount – Drivers who agree to allow their company to scrutinize driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction as long as they are good drivers.
  • Save over 55 – If you’re over the age of 55, you may be able to get reduced rates on Fusion coverage.

As is typical with insurance, most discounts do not apply to the entire policy premium. Most cut individual premiums such as collision or personal injury protection. Despite the appearance that all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

Large insurance coverage companies and a selection of discounts are shown below.

  • American Family may include discounts for bundled insurance, accident-free, good driver, early bird, Steer into Savings, good student, and air bags.
  • Nationwide offers discounts for anti-theft, accident-free, family plan, defensive driving, and multi-policy.
  • MetLife discounts include defensive driver, accident-free, claim-free, good student, multi-policy, good driver
  • 21st Century policyholders can earn discounts including teen driver, theft prevention, early bird, anti-lock brakes, and student driver.
  • Farmers Insurance may offer discounts for multi-car, youthful driver, mature driver, alternative fuel, teen driver, and distant student.
  • Allstate may have discounts that include anti-lock brakes, good payer, farm vehicle, auto/life discount, teenSMART discount, utility vehicle, and EZ pay plan discount.

Double check with each company or agent to give you their best rates. A few discounts may not apply to policies in every state. For a list of insurers that offer multiple discounts, enter your zip code here.

How do insurance providers determine Ford Fusion insurance prices?

Multiple criteria are considered when quoting car insurance. A few of the factors are predictable like your driving record, although others are more transparent such as your credit history and annual miles driven.

The itemized list below are some of the major factors companies use to determine your prices.

  • Pay more of a claim out-of-pocket – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Ford. A few examples of covered claims are a broken windshield, hail damage, and damage from a fallen tree branch. Comp and collision deductibles represent how much money you are required to pay in the event of a claim. The more of the claim the insured is willing to pay, the less your auto insurance will be on Fusion coverage.
  • Big city or small town – Residing in areas with lower population can save you money when insuring your vehicles. People in densly populated areas have more aggressive driving styles and a longer drive to work. Lower population means less chance of accidents.
  • Liability coverage safeguards assets – Your auto insurance policy’s liability coverage will protect you in the event that a jury decides you are liable for damages caused by your negligence. This coverage provides legal defense coverage starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so buy as much as you can afford.
  • Marriage brings a discount – Walking down the aisle may save some money when buying auto insurance. Marriage is viewed as being more stable financially and it’s proven that drivers who are married file infrequent claims.
  • Save money by eliminating extra policy coverages – There are many additional extra coverages that can waste your money if you aren’t diligent. Insurance for roadside assistance, death and dismemberment, and membership fees are some examples. They may seem good at first, but if you’ve never needed them in the past get rid of them and save.
  • Women pay lower premiums – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that women are better drivers. Females and males cause at-fault accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. In addition to higher claims, males also get ticketed for serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Your career may increase auto insurance rates – Did you know that where you work can have an impact on rates? Careers like military generals, social workers and miners generally pay higher premiums than the average policyholder because of job stress and incredibly demanding work hours. Other occupations such as farmers, athletes and retirees have lower than average premiums on Fusion coverage.
  • Premiums are lower the older you get – Teen drivers are statistically proven to be inattentive with other occupants in the car so they pay higher auto insurance rates. Older insureds tend to be more responsible, file fewer claims and receive fewer citations.

Tailor your insurance coverage to you

When choosing coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions can aid in determining if you will benefit from professional help.

  • Can I make deliveries for my home business?
  • Should I waive the damage coverage when renting a car?
  • Where can I find high-risk insurance?
  • Am I covered if I break a side mirror?
  • Can I rent a car in Mexico?
  • Does medical payments coverage apply to all occupants?
  • Is motorclub coverage worth it?
  • Should I buy only the required minimum liability coverage?
  • If my 2020 Ford Fusion is totaled, can I afford another vehicle?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions, you may need to chat with a licensed agent. To find an agent in your area, fill out your zip code. It only takes a few minutes and you can get the answers you need.

Don’t listen to company ads

Consumers constantly see and hear ads that claim the cheapest rates from companies such as Progressive, Allstate and GEICO. All the ads try to convey promises that you’ll save big if you move your insurance coverage coverage to their company.

That’s great but how can every company give you a lower rate? It’s all in how they say it.

Many companies have specific characteristics for the driver that is profitable for them. For example, a profitable risk profile might have to be over the age of 45, carries full coverage, and drives newer vehicles. A customer getting a price quote that fits those parameters gets the lowest prices and will also save some money.

Drivers who don’t meet the “perfect” profile may be forced to pay higher rates which usually ends up with the customer buying from someone else. The ad wording is “people that switch” not “everyone that quotes” will save that much if they switch. That is how insurance companies can make those claims.

Each company has different criteria, so drivers must get price quotes at each policy renewal. It is impossible to predict which company will fit your personal profile best.

Car insurance coverages for a Ford Fusion

Knowing the specifics of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for prosthetic devices, EMT expenses, nursing services, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Collision insurance

Collision insurance covers damage to your Fusion resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, crashing into a building, crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, rock chips in glass and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for liability

This coverage can cover damages or injuries you inflict on a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims such as legal defense fees, loss of income, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

In the end, you save

Some insurance providers may not provide rates over the internet and these regional carriers only sell through independent insurance agents. Budget-friendly auto insurance can be bought online and with local insurance agents, so you should compare both to have the best selection.

We covered a lot of ways to get a better price on 2020 Ford Fusion insurance. The most important thing to understand is the more companies you get car insurance rates for, the better your chances of lowering your car insurance rates. You may even find the best price on auto insurance is with a small mutual company.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, high prices, unfair underwriting practices or even denial of a claim. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

Additional auto insurance information can be found below:

  • What are my Rights when Filing a Claim? (Insurance Information Insitute)
  • Distracted Driving Statistics (Insurance Information Insitute)
  • Comprehensive Coverage (Liberty Mutual)
  • Top Signs Your Brakes are Giving Out (State Farm)
  • Neck Injury FAQ (iihs.org)
  • Distracted Driving Extends Beyond Texting (State Farm)

Rates by U.S. City

2020 Ford Fusion Insurance Rates by City
City Premium
New York City, NY $2,319
Los Angeles, CA $2,508
Philadelphia, PA $1,963
Jacksonville, FL $2,132
Phoenix, AZ $1,708
Chicago, IL $1,969
Houston, TX $2,304
Seattle, WA $1,429
Columbus, OH $1,227
Indianapolis, IN $1,252

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2020 Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,422
20 $3,398
30 $1,538
40 $1,468
50 $1,342
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

2020 Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,688
$500 $1,468
$1,000 $1,258

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,468
50/100 $1,546
100/300 $1,644
250/500 $1,897
100 CSL $1,585
300 CSL $1,800
500 CSL $1,956

Full coverage, driver age 40

Rates for High Risk Drivers

2020 Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,752
20 $5,406
30 $3,258
40 $3,182
50 $3,034
60 $3,008

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.

SR-22 Surcharge $206

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $74
Online Quote $105
Total Discounts $630
Rate after discounts $838

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2020 Ford Fusion Insurance Rates by State
State Premium
Alabama $1,328
Alaska $1,126
Arizona $1,220
Arkansas $1,468
California $1,672
Colorado $1,404
Connecticut $1,510
Delaware $1,664
Florida $1,838
Georgia $1,358
Hawaii $1,056
Idaho $994
Illinois $1,094
Indiana $1,108
Iowa $992
Kansas $1,396
Kentucky $2,004
Louisiana $2,176
Maine $906
Maryland $1,212
Massachusetts $1,176
Michigan $2,554
Minnesota $1,230
Mississippi $1,758
Missouri $1,304
Montana $1,578
Nebraska $1,160
Nevada $1,762
New Hampshire $1,058
New Jersey $1,644
New Mexico $1,302
New York $1,546
North Carolina $846
North Dakota $1,204
Ohio $1,014
Oklahoma $1,508
Oregon $1,344
Pennsylvania $1,402
Rhode Island $1,960
South Carolina $1,332
South Dakota $1,240
Tennessee $1,288
Texas $1,772
Utah $1,086
Vermont $1,004
Virginia $880
Washington $1,134
West Virginia $1,348
Wisconsin $1,018
Wyoming $1,310

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