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Ford Fusion SEL 4-Dr Sedan Insurance Rates

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U.S. average auto insurance rates for a Ford Fusion SEL 4-Dr Sedan are $1,466 annually including full coverage. Comprehensive costs an estimated $340, collision insurance costs $604, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs around $3,160. Teenage drivers pay the highest rates at up to $5,340 a year.

Annual premium for full coverage: $1,466

Price estimates broken down by type of insurance:

Comprehensive $340
Collision $604
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 average 40-year-old driver, Ford Fusion SEL 4-Dr Sedan insurance prices range from as cheap as $430 for just the minimum liability insurance to a much higher rate of $3,160 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,466
High Risk $3,160

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $1,100
Small Cities $1,539
Large Cities $1,979

These price ranges highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, 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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Insurance prices for a Ford Fusion SEL 4-Dr Sedan are also quite variable based on the actual cash value of your Fusion, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance can be anywhere from 43% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $630 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Fusion SEL 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different method to calculate prices, and rates may be quite different between companies.

View Chart as Image

Ford Fusion SEL 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Fusion SEL 4-Dr Sedan insurance prices range from $841 to $5,340 for full coverage

The chart above shows average Ford Fusion SEL 4-Dr Sedan insurance prices for various situations. The lowest price with discounts is $841. Drivers who use higher $1,000 deductibles will pay about $1,250. The average price for a driver around age 40 using $500 deductibles is $1,466. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,880. Drivers with multiple violations and accidents could be charged at least $3,160. The price for full coverage insurance for a teenage driver can be as high as $5,340.

Ford Fusion SEL 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,326 -$140 -9.5%
Alaska $1,124 -$342 -23.3%
Arizona $1,216 -$250 -17.1%
Arkansas $1,466 -$0 0.0%
California $1,670 $204 13.9%
Colorado $1,402 -$64 -4.4%
Connecticut $1,508 $42 2.9%
Delaware $1,660 $194 13.2%
Florida $1,834 $368 25.1%
Georgia $1,354 -$112 -7.6%
Hawaii $1,054 -$412 -28.1%
Idaho $990 -$476 -32.5%
Illinois $1,092 -$374 -25.5%
Indiana $1,102 -$364 -24.8%
Iowa $990 -$476 -32.5%
Kansas $1,394 -$72 -4.9%
Kentucky $1,998 $532 36.3%
Louisiana $2,170 $704 48.0%
Maine $904 -$562 -38.3%
Maryland $1,208 -$258 -17.6%
Massachusetts $1,172 -$294 -20.1%
Michigan $2,548 $1,082 73.8%
Minnesota $1,226 -$240 -16.4%
Mississippi $1,756 $290 19.8%
Missouri $1,300 -$166 -11.3%
Montana $1,574 $108 7.4%
Nebraska $1,156 -$310 -21.1%
Nevada $1,758 $292 19.9%
New Hampshire $1,056 -$410 -28.0%
New Jersey $1,638 $172 11.7%
New Mexico $1,298 -$168 -11.5%
New York $1,544 $78 5.3%
North Carolina $846 -$620 -42.3%
North Dakota $1,200 -$266 -18.1%
Ohio $1,010 -$456 -31.1%
Oklahoma $1,506 $40 2.7%
Oregon $1,342 -$124 -8.5%
Pennsylvania $1,398 -$68 -4.6%
Rhode Island $1,954 $488 33.3%
South Carolina $1,328 -$138 -9.4%
South Dakota $1,236 -$230 -15.7%
Tennessee $1,284 -$182 -12.4%
Texas $1,766 $300 20.5%
Utah $1,086 -$380 -25.9%
Vermont $1,002 -$464 -31.7%
Virginia $878 -$588 -40.1%
Washington $1,132 -$334 -22.8%
West Virginia $1,344 -$122 -8.3%
Wisconsin $1,016 -$450 -30.7%
Wyoming $1,308 -$158 -10.8%

View Chart as Image

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

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Rates by Driver Age

Ford Fusion SEL 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,340
20 $3,372
30 $1,536
40 $1,466
50 $1,336
60 $1,310

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion SEL 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,880
$250 $1,688
$500 $1,466
$1,000 $1,250

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion SEL 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,466
50/100 $1,539
100/300 $1,630
250/500 $1,866
100 CSL $1,575
300 CSL $1,775
500 CSL $1,921

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion SEL 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,354
30 $3,240
40 $3,160
50 $3,014
60 $2,984

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 $203

Potential Rate Discounts

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

Discount Savings
Multi-policy $78
Multi-vehicle $75
Homeowner $20
5-yr Accident Free $111
5-yr Claim Free $94
Paid in Full/EFT $69
Advance Quote $73
Online Quote $105
Total Discounts $625
Rate after discounts $841

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

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