1. Vehicles
  2. Ford
  3. Fusion
  4. S 4-Dr Sedan

Ford Fusion S 4-Dr Sedan Insurance Rates

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

U.S. average insurance prices for a Ford Fusion S 4-Dr Sedan are $1,374 every 12 months for full coverage insurance. Comprehensive costs around $312, collision insurance costs $540, and liability coverage costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $2,958. Teenage drivers pay the highest rates at up to $5,050 a year.

Annual premium for full coverage: $1,374

Price estimates for type of coverage:

Comprehensive $312
Collision $540
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Fusion Trim Level

For the normal driver, Ford Fusion S 4-Dr Sedan insurance prices range from the cheapest price of $430 for a discount liability-only rate to the much higher price of $2,958 for a driver who requires high-risk insurance.

Liability Only $430
Full Coverage $1,374
High Risk $2,958

Geographic Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than densely populated cities. The example below illustrates how geographic area affects auto insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These price ranges illustrate why everyone should compare prices for a specific zip code and their own driving history, rather than 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 Ford Fusion S 4-Dr Sedan Insurance

Searching Companies

Auto insurance rates for a Ford Fusion S 4-Dr Sedan are also quite variable based on deductibles and policy limits, your risk profile, and the actual cash value of your Fusion.

Using high physical damage deductibles could cut rates by as much as $570 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,600 to $2,200 in extra premium each year, depending on your age. Ford Fusion S 4-Dr Sedan insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Ford Fusion S 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates may be quite different.

View Chart as Image

Ford Fusion S 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Fusion S 4-Dr Sedan insurance prices range from $795 to $5,050 for full coverage

The chart estimates Ford Fusion S 4-Dr Sedan insurance rates for various coverage choices and risks. The cheapest rate with discounts is $795. Drivers who use higher $1,000 deductibles will pay $1,182. The average rate for a driver age 40 with no violations using $500 deductibles is $1,374. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,750. Drivers with multiple violations and accidents could be charged at least $2,958. The rate for full coverage insurance for a 16-year-old driver can be as high as $5,050.

Ford Fusion S 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,242 -$132 -9.6%
Alaska $1,054 -$320 -23.3%
Arizona $1,142 -$232 -16.9%
Arkansas $1,374 -$0 0.0%
California $1,566 $192 14.0%
Colorado $1,314 -$60 -4.4%
Connecticut $1,414 $40 2.9%
Delaware $1,556 $182 13.2%
Florida $1,718 $344 25.0%
Georgia $1,268 -$106 -7.7%
Hawaii $988 -$386 -28.1%
Idaho $930 -$444 -32.3%
Illinois $1,024 -$350 -25.5%
Indiana $1,036 -$338 -24.6%
Iowa $928 -$446 -32.5%
Kansas $1,306 -$68 -4.9%
Kentucky $1,874 $500 36.4%
Louisiana $2,034 $660 48.0%
Maine $848 -$526 -38.3%
Maryland $1,134 -$240 -17.5%
Massachusetts $1,100 -$274 -19.9%
Michigan $2,390 $1,016 73.9%
Minnesota $1,150 -$224 -16.3%
Mississippi $1,646 $272 19.8%
Missouri $1,220 -$154 -11.2%
Montana $1,476 $102 7.4%
Nebraska $1,084 -$290 -21.1%
Nevada $1,648 $274 19.9%
New Hampshire $992 -$382 -27.8%
New Jersey $1,538 $164 11.9%
New Mexico $1,216 -$158 -11.5%
New York $1,448 $74 5.4%
North Carolina $792 -$582 -42.4%
North Dakota $1,126 -$248 -18.0%
Ohio $948 -$426 -31.0%
Oklahoma $1,412 $38 2.8%
Oregon $1,258 -$116 -8.4%
Pennsylvania $1,310 -$64 -4.7%
Rhode Island $1,832 $458 33.3%
South Carolina $1,246 -$128 -9.3%
South Dakota $1,160 -$214 -15.6%
Tennessee $1,204 -$170 -12.4%
Texas $1,656 $282 20.5%
Utah $1,020 -$354 -25.8%
Vermont $940 -$434 -31.6%
Virginia $824 -$550 -40.0%
Washington $1,062 -$312 -22.7%
West Virginia $1,260 -$114 -8.3%
Wisconsin $952 -$422 -30.7%
Wyoming $1,224 -$150 -10.9%

View Chart as Image

Ford Fusion S 4-Dr Sedan insurance rates by U.S. city

Not your model?

Choose a different trim level below

Rates by Driver Age

Ford Fusion S 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,050
20 $3,156
30 $1,436
40 $1,374
50 $1,252
60 $1,228

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion S 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,750
$250 $1,576
$500 $1,374
$1,000 $1,182

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion S 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,374
50/100 $1,447
100/300 $1,538
250/500 $1,774
100 CSL $1,483
300 CSL $1,683
500 CSL $1,829

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion S 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,206
20 $5,012
30 $3,028
40 $2,958
50 $2,822
60 $2,794

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $70
Homeowner $19
5-yr Accident Free $101
5-yr Claim Free $88
Paid in Full/EFT $63
Advance Quote $68
Online Quote $97
Total Discounts $579
Rate after discounts $795

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles