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Ford Fusion SEL AWD 4-Dr Sedan Insurance Rates

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

Average insurance rates for a Ford Fusion SEL AWD 4-Dr Sedan are $1,556 a year for full coverage insurance. Comprehensive costs around $368, collision costs $666, and liability costs $364. Only liability insurance costs as little as $430 a year, with high-risk insurance costing around $3,360. Teen drivers receive the highest rates at $5,628 a year or more.

Annual premium for full coverage: $1,556

Rate estimates for type of coverage:

Comprehensive $368
Collision $666
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, prices go from as low as $430 for the bare minimum liability coverage to the much higher price of $3,360 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,556
High Risk $3,360

Price Range by Location

Your location can have significant affects on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,167
Small Cities $1,634
Large Cities $2,101

These differences illustrate why everyone should compare rates for a specific zip code and risk profile, instead of using price averages.

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 rates for a Ford Fusion SEL AWD 4-Dr Sedan can also vary considerably based on your driver profile, the model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion SEL AWD 4-Dr Sedan insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $690 every year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,800 to $2,500 extra per year, depending on your age. Ford Fusion SEL AWD 4-Dr Sedan insurance for high-risk drivers can cost as much as 44% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different from one company to the next.

View Chart as Image

Ford Fusion SEL AWD 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Fusion SEL AWD 4-Dr Sedan insurance prices range from $886 to $5,628 for full coverage

The chart estimates Ford Fusion SEL AWD 4-Dr Sedan insurance rates for different risk profiles and scenarios. The best rate after discounts is $886. Drivers who choose higher $1,000 deductibles will pay around $1,322. The average rate for a driver age 40 with no violations using $500 deductibles is $1,556. Selecting more expensive $100 deductibles for physical damage coverage can cost as much as $2,012. High risk drivers could be charged as much as $3,360. The rate for full coverage insurance for a 16-year-old driver is $5,628.

Ford Fusion SEL AWD 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,406 -$150 -9.6%
Alaska $1,192 -$364 -23.4%
Arizona $1,294 -$262 -16.8%
Arkansas $1,556 -$0 0.0%
California $1,774 $218 14.0%
Colorado $1,488 -$68 -4.4%
Connecticut $1,600 $44 2.8%
Delaware $1,762 $206 13.2%
Florida $1,946 $390 25.1%
Georgia $1,438 -$118 -7.6%
Hawaii $1,118 -$438 -28.1%
Idaho $1,054 -$502 -32.3%
Illinois $1,158 -$398 -25.6%
Indiana $1,172 -$384 -24.7%
Iowa $1,050 -$506 -32.5%
Kansas $1,480 -$76 -4.9%
Kentucky $2,124 $568 36.5%
Louisiana $2,304 $748 48.1%
Maine $962 -$594 -38.2%
Maryland $1,284 -$272 -17.5%
Massachusetts $1,244 -$312 -20.1%
Michigan $2,706 $1,150 73.9%
Minnesota $1,302 -$254 -16.3%
Mississippi $1,866 $310 19.9%
Missouri $1,380 -$176 -11.3%
Montana $1,672 $116 7.5%
Nebraska $1,228 -$328 -21.1%
Nevada $1,868 $312 20.1%
New Hampshire $1,122 -$434 -27.9%
New Jersey $1,740 $184 11.8%
New Mexico $1,378 -$178 -11.4%
New York $1,640 $84 5.4%
North Carolina $898 -$658 -42.3%
North Dakota $1,276 -$280 -18.0%
Ohio $1,074 -$482 -31.0%
Oklahoma $1,600 $44 2.8%
Oregon $1,426 -$130 -8.4%
Pennsylvania $1,486 -$70 -4.5%
Rhode Island $2,076 $520 33.4%
South Carolina $1,412 -$144 -9.3%
South Dakota $1,312 -$244 -15.7%
Tennessee $1,364 -$192 -12.3%
Texas $1,876 $320 20.6%
Utah $1,154 -$402 -25.8%
Vermont $1,066 -$490 -31.5%
Virginia $932 -$624 -40.1%
Washington $1,202 -$354 -22.8%
West Virginia $1,428 -$128 -8.2%
Wisconsin $1,078 -$478 -30.7%
Wyoming $1,388 -$168 -10.8%

View Chart as Image

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

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Rates by Driver Age

Ford Fusion SEL AWD 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,628
20 $3,584
30 $1,634
40 $1,556
50 $1,418
60 $1,392

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion SEL AWD 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,012
$250 $1,802
$500 $1,556
$1,000 $1,322

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion SEL AWD 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,556
50/100 $1,629
100/300 $1,720
250/500 $1,956
100 CSL $1,665
300 CSL $1,865
500 CSL $2,011

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion SEL AWD 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $8,060
20 $5,696
30 $3,450
40 $3,360
50 $3,204
60 $3,174

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 $216

Potential Rate Discounts

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

Discount Savings
Multi-policy $84
Multi-vehicle $79
Homeowner $21
5-yr Accident Free $119
5-yr Claim Free $101
Paid in Full/EFT $75
Advance Quote $79
Online Quote $112
Total Discounts $670
Rate after discounts $886

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

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