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Ford Fusion Sport 4-Dr Sedan Insurance Rates

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U.S. average insurance rates for a Ford Fusion Sport 4-Dr Sedan are $1,510 a year with full coverage. Comprehensive insurance costs approximately $354, collision insurance costs $634, and liability insurance costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs $3,260 or more. Teen drivers pay the highest rates at up to $5,482 a year.

Annual premium for full coverage: $1,510

Price estimates by type of insurance:

Comprehensive $354
Collision $634
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, Ford Fusion Sport 4-Dr Sedan insurance prices range from the low end price of $430 for just liability coverage to a much higher rate of $3,260 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,510
High Risk $3,260

These price ranges demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on 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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Car insurance rates for a Ford Fusion Sport 4-Dr Sedan are also quite variable based on the model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,800 to $2,400 extra each year, depending on your age. High-risk driver insurance can be anywhere from 44% to 133% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

The state you live in has a huge impact on Ford Fusion Sport 4-Dr Sedan insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $660 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes may be quite different.

View Chart as Image

Ford Fusion Sport 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Fusion Sport 4-Dr Sedan insurance prices range from $862 to $5,482 for full coverage

The chart above shows Ford Fusion Sport 4-Dr Sedan insurance prices for various risks and coverage choices. The lowest price with discounts is $862. Drivers who choose higher $1,000 deductibles will pay $1,288. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,510. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,948. High risk drivers could be charged at least $3,260. The price for full coverage for a teenager can be as high as $5,482.

Ford Fusion Sport 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,366 -$144 -9.5%
Alaska $1,158 -$352 -23.3%
Arizona $1,254 -$256 -17.0%
Arkansas $1,510 -$0 0.0%
California $1,722 $212 14.0%
Colorado $1,444 -$66 -4.4%
Connecticut $1,554 $44 2.9%
Delaware $1,710 $200 13.2%
Florida $1,890 $380 25.2%
Georgia $1,396 -$114 -7.5%
Hawaii $1,086 -$424 -28.1%
Idaho $1,022 -$488 -32.3%
Illinois $1,126 -$384 -25.4%
Indiana $1,138 -$372 -24.6%
Iowa $1,020 -$490 -32.5%
Kansas $1,436 -$74 -4.9%
Kentucky $2,062 $552 36.6%
Louisiana $2,236 $726 48.1%
Maine $932 -$578 -38.3%
Maryland $1,246 -$264 -17.5%
Massachusetts $1,210 -$300 -19.9%
Michigan $2,626 $1,116 73.9%
Minnesota $1,264 -$246 -16.3%
Mississippi $1,810 $300 19.9%
Missouri $1,340 -$170 -11.3%
Montana $1,622 $112 7.4%
Nebraska $1,192 -$318 -21.1%
Nevada $1,812 $302 20.0%
New Hampshire $1,090 -$420 -27.8%
New Jersey $1,690 $180 11.9%
New Mexico $1,338 -$172 -11.4%
New York $1,592 $82 5.4%
North Carolina $872 -$638 -42.3%
North Dakota $1,238 -$272 -18.0%
Ohio $1,042 -$468 -31.0%
Oklahoma $1,554 $44 2.9%
Oregon $1,384 -$126 -8.3%
Pennsylvania $1,442 -$68 -4.5%
Rhode Island $2,014 $504 33.4%
South Carolina $1,368 -$142 -9.4%
South Dakota $1,276 -$234 -15.5%
Tennessee $1,324 -$186 -12.3%
Texas $1,820 $310 20.5%
Utah $1,120 -$390 -25.8%
Vermont $1,034 -$476 -31.5%
Virginia $904 -$606 -40.1%
Washington $1,168 -$342 -22.6%
West Virginia $1,384 -$126 -8.3%
Wisconsin $1,048 -$462 -30.6%
Wyoming $1,348 -$162 -10.7%

View Chart as Image

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

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Rates by Driver Age

Ford Fusion Sport 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,482
20 $3,478
30 $1,586
40 $1,510
50 $1,376
60 $1,350

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Sport 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,948
$250 $1,746
$500 $1,510
$1,000 $1,288

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Sport 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,583
100/300 $1,674
250/500 $1,910
100 CSL $1,619
300 CSL $1,819
500 CSL $1,965

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Sport 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,846
20 $5,524
30 $3,344
40 $3,260
50 $3,110
60 $3,080

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 $209

Potential Rate Discounts

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

Discount Savings
Multi-policy $81
Multi-vehicle $77
Homeowner $21
5-yr Accident Free $115
5-yr Claim Free $98
Paid in Full/EFT $72
Advance Quote $76
Online Quote $108
Total Discounts $648
Rate after discounts $862

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

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