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Ford Fusion Sport AWD 4-Dr Sedan Insurance Rates

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The average insurance prices for a Ford Fusion Sport AWD 4-Dr Sedan are $1,556 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $368, collision insurance costs $666, and liability insurance costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $3,360 or more. Teenage drivers cost the most to insure at up to $5,628 a year.

Annual premium for full coverage: $1,556

Policy rates broken down by 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 normal driver, Ford Fusion Sport AWD 4-Dr Sedan insurance rates range from the cheapest price of $430 for just the minimum liability insurance to the much higher price of $3,360 for a driver who requires high-risk insurance.

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

These price differences illustrate why everyone should compare prices for a targeted area and their own driving history, 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 Sport AWD 4-Dr Sedan also range considerably based on liability limits and deductibles, your risk profile, and the model year.

Using high physical damage deductibles could cut rates by as much as $690 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,800 to $2,500 extra every year, depending on your age. Ford Fusion Sport AWD 4-Dr Sedan insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

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

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

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

The chart estimates Ford Fusion Sport AWD 4-Dr Sedan insurance rates for various coverage choices and risks. The lowest rate with discounts is $886. Drivers who use higher $1,000 deductibles will pay $1,322. The average rate for a driver around age 40 using $500 deductibles is $1,556. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $2,012. Drivers with multiple violations and accidents could be charged around $3,360. The rate for full coverage for a teenage driver can be as high as $5,628.

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

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Rates by Driver Age

Ford Fusion Sport 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 Sport 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 Sport 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 Sport 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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