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Ford Fusion SE 4-Dr Sedan Insurance Rates

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Average insurance rates for a Ford Fusion SE 4-Dr Sedan are $1,420 a year for full coverage. Comprehensive costs approximately $326 a year, collision insurance costs $572, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $3,060. Teenage drivers receive the highest rates at up to $5,194 a year.

Annual premium for full coverage: $1,420

Rate estimates by individual coverage type:

Comprehensive $326
Collision $572
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

Using a 40-year-old driver as an example, prices range from as low as $430 for just the minimum liability insurance to a high of $3,060 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,420
High Risk $3,060

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,065
Small Cities $1,491
Large Cities $1,917

These differences show why it is important for drivers to compare rates using their specific location and risk profile, rather than relying on 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.

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Car insurance rates for a Ford Fusion SE 4-Dr Sedan can also vary considerably based on your driver profile, the model year of your Fusion, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion SE 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $600 each year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

Ford Fusion SE 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Fusion SE 4-Dr Sedan insurance prices range from $818 to $5,194 for full coverage

Chart shows Ford Fusion SE 4-Dr Sedan insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $818. Drivers who use higher $1,000 deductibles will pay around $1,216. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,420. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $1,816. Drivers with multiple violations and accidents could be charged as much as $3,060. The cost for full coverage insurance for a teenager is $5,194.

Ford Fusion SE 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,284 -$136 -9.6%
Alaska $1,088 -$332 -23.4%
Arizona $1,178 -$242 -17.0%
Arkansas $1,420 -$0 0.0%
California $1,618 $198 13.9%
Colorado $1,358 -$62 -4.4%
Connecticut $1,462 $42 3.0%
Delaware $1,608 $188 13.2%
Florida $1,776 $356 25.1%
Georgia $1,312 -$108 -7.6%
Hawaii $1,020 -$400 -28.2%
Idaho $962 -$458 -32.3%
Illinois $1,058 -$362 -25.5%
Indiana $1,068 -$352 -24.8%
Iowa $958 -$462 -32.5%
Kansas $1,350 -$70 -4.9%
Kentucky $1,938 $518 36.5%
Louisiana $2,102 $682 48.0%
Maine $876 -$544 -38.3%
Maryland $1,172 -$248 -17.5%
Massachusetts $1,134 -$286 -20.1%
Michigan $2,468 $1,048 73.8%
Minnesota $1,188 -$232 -16.3%
Mississippi $1,702 $282 19.9%
Missouri $1,260 -$160 -11.3%
Montana $1,524 $104 7.3%
Nebraska $1,120 -$300 -21.1%
Nevada $1,704 $284 20.0%
New Hampshire $1,024 -$396 -27.9%
New Jersey $1,586 $166 11.7%
New Mexico $1,258 -$162 -11.4%
New York $1,496 $76 5.4%
North Carolina $818 -$602 -42.4%
North Dakota $1,164 -$256 -18.0%
Ohio $980 -$440 -31.0%
Oklahoma $1,460 $40 2.8%
Oregon $1,302 -$118 -8.3%
Pennsylvania $1,356 -$64 -4.5%
Rhode Island $1,894 $474 33.4%
South Carolina $1,288 -$132 -9.3%
South Dakota $1,198 -$222 -15.6%
Tennessee $1,244 -$176 -12.4%
Texas $1,712 $292 20.6%
Utah $1,052 -$368 -25.9%
Vermont $972 -$448 -31.5%
Virginia $850 -$570 -40.1%
Washington $1,098 -$322 -22.7%
West Virginia $1,302 -$118 -8.3%
Wisconsin $984 -$436 -30.7%
Wyoming $1,264 -$156 -11.0%

View Chart as Image

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

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Rates by Driver Age

Ford Fusion SE 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,194
20 $3,264
30 $1,486
40 $1,420
50 $1,294
60 $1,270

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion SE 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,816
$250 $1,632
$500 $1,420
$1,000 $1,216

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion SE 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,420
50/100 $1,493
100/300 $1,584
250/500 $1,820
100 CSL $1,529
300 CSL $1,729
500 CSL $1,875

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion SE 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,418
20 $5,184
30 $3,134
40 $3,060
50 $2,918
60 $2,890

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 $195

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $106
5-yr Claim Free $91
Paid in Full/EFT $66
Advance Quote $70
Online Quote $101
Total Discounts $602
Rate after discounts $818

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

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