Ford Fusion Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 15, 2024

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Average Ford Fusion car insurance rates amount to $1,492 a year for full coverage. This figure fluctuates based on a variety of factors such as the age, location, and driving record of the policyholder.

Another thing that impacts your individualized rate is the year and trim level of your vehicle. For example, 2014 Ford Fusion SE insurance rates are typically more expensive than 2007 Ford Fusion insurance rates or 2006 Ford Fusion insurance rates

In order to make Ford Fusion insurance easy to understand, we have prepared this comprehensive guide. The details contained in this article will help you on your way to securing an affordable Ford Fusion car insurance policy that you can feel confident about.

When you’re ready, read through the helpful information below and don’t forget to use our free online tool so you can finally answer the question, “Is the Ford Fusion expensive to insure?”

Average insurance rates for a Ford Fusion are $1,408 a year including full coverage. Comprehensive insurance costs on average $270, collision insurance costs $538, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $3,070 or more. Teenage drivers receive the highest rates at up to $5,352 a year.

Average premium for full coverage: $1,408

Rate estimates by individual coverage type:

Comprehensive $270
Collision $538
Liability $442

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Fusion models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the low end price of $496 for basic liability insurance to the much higher price of $3,070 for a policy for a high-risk driver.

Liability Only $496
Full Coverage $1,408
High Risk $3,070

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.

Rural Areas $1,056
Small Cities $1,478
Large Cities $1,901

These examples highlight why everyone should get quotes based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

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

Rate Comparisons

The chart below breaks down average Ford Fusion insurance rates for different risk profiles and scenarios.

  • The best discount rate is $804
  • Choosing higher $1,000 deductibles can save around $182 every year
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,408
  • Using pricier low deductibles for comp and collision coverage will cost an additional $358 each year
  • Drivers who are prone to accidents and violations could pay upwards of $3,070
  • The cost that insures a teenage driver for full coverage may cost $5,352 each year

View Chart as Image

Ford Fusion insurance cost comparison chart
Column chart showing Ford Fusion insurance prices range from $804 to $5,352 for full coverage

Auto insurance rates for a Ford Fusion can also vary considerably based on the model of your Fusion, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. Ford Fusion insurance for high-risk drivers ranges around 43% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

Ford Fusion Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,274 -$134 -9.5%
Alaska $1,082 -$326 -23.2%
Arizona $1,170 -$238 -16.9%
Arkansas $1,408 -$0 0.0%
California $1,606 $198 14.1%
Colorado $1,346 -$62 -4.4%
Connecticut $1,448 $40 2.8%
Delaware $1,594 $186 13.2%
Florida $1,762 $354 25.1%
Georgia $1,300 -$108 -7.7%
Hawaii $1,012 -$396 -28.1%
Idaho $954 -$454 -32.2%
Illinois $1,050 -$358 -25.4%
Indiana $1,062 -$346 -24.6%
Iowa $950 -$458 -32.5%
Kansas $1,338 -$70 -5.0%
Kentucky $1,922 $514 36.5%
Louisiana $2,086 $678 48.2%
Maine $868 -$540 -38.4%
Maryland $1,164 -$244 -17.3%
Massachusetts $1,128 -$280 -19.9%
Michigan $2,448 $1,040 73.9%
Minnesota $1,178 -$230 -16.3%
Mississippi $1,688 $280 19.9%
Missouri $1,250 -$158 -11.2%
Montana $1,514 $106 7.5%
Nebraska $1,110 -$298 -21.2%
Nevada $1,690 $282 20.0%
New Hampshire $1,014 -$394 -28.0%
New Jersey $1,576 $168 11.9%
New Mexico $1,248 -$160 -11.4%
New York $1,484 $76 5.4%
North Carolina $812 -$596 -42.3%
North Dakota $1,154 -$254 -18.0%
Ohio $974 -$434 -30.8%
Oklahoma $1,448 $40 2.8%
Oregon $1,290 -$118 -8.4%
Pennsylvania $1,344 -$64 -4.5%
Rhode Island $1,880 $472 33.5%
South Carolina $1,276 -$132 -9.4%
South Dakota $1,190 -$218 -15.5%
Tennessee $1,234 -$174 -12.4%
Texas $1,698 $290 20.6%
Utah $1,044 -$364 -25.9%
Vermont $964 -$444 -31.5%
Virginia $844 -$564 -40.1%
Washington $1,090 -$318 -22.6%
West Virginia $1,292 -$116 -8.2%
Wisconsin $976 -$432 -30.7%
Wyoming $1,254 -$154 -10.9%

View Chart as Image

Ford Fusion insurance rates by U.S. city

Using high physical damage deductibles can save as much as $540 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Ford Fusion Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Fusion S 4-Dr Sedan $1,306 $109
Ford Fusion SE 4-Dr Sedan $1,344 $112
Ford Fusion Hybrid 4-Dr Sedan $1,578 $132
Ford Fusion SEL 4-Dr Sedan $1,382 $115
Ford Fusion Sport 4-Dr Sedan $1,420 $118
Ford Fusion SEL AWD 4-Dr Sedan $1,456 $121
Ford Fusion Sport AWD 4-Dr Sedan $1,456 $121

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Ford Fusion Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Fusion $286 $558 $430 $1,432
2019 Ford Fusion $270 $538 $442 $1,408
2018 Ford Fusion $260 $500 $452 $1,370
2017 Ford Fusion $250 $470 $456 $1,334
2016 Ford Fusion $240 $422 $460 $1,280
2015 Ford Fusion $224 $388 $460 $1,230
2014 Ford Fusion $216 $364 $464 $1,202
2013 Ford Fusion $210 $340 $474 $1,182
2012 Ford Fusion $194 $316 $474 $1,142
2011 Ford Fusion $190 $286 $478 $1,112
2010 Ford Fusion $176 $262 $474 $1,070
2009 Ford Fusion $166 $238 $474 $1,036
2008 Ford Fusion $162 $214 $468 $1,002
2007 Ford Fusion $158 $208 $460 $984
2006 Ford Fusion $156 $198 $452 $964

Rates are averaged for all Ford Fusion models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Ford Fusion Insurance

Saving money on auto insurance takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the coverage data presented in the illustrations above.

  • You may be able to save as much as $170 per year just by quoting online well ahead of the renewal date
  • Increasing deductibles can save approximately $550 each year
  • Drivers under the age of 20 are charged the highest rates, as much as $446 per month if the policy includes full coverage
  • Drivers that tend to have accidents or serious violations could be forced to pay on average $1,660 more each year to insure a Ford Fusion

You might have noticed that Ford Fusion car insurance companies consider a wide assortment of factors when providing customers with quotes. However, you can receive Ford Fusion quotes in real-time by using our free tool below.

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What are the safety ratings of the Ford Fusion?

It’s important to consider the safety ratings of the Ford Fusion to get a good idea of where you might qualify for policy discounts. The ratings below show the breakdown of the crash test ratings for this model as determined by the Insurance Institute for Highway Safety (IIHS).

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: N/R

As you can see from the results, the Ford Fusion earned the highest mark possible in every category that was tested.

Ford Fusion Compared Against Other Vehicles in the Same Class

Classified as a midsize four-door sedan, the Ford Fusion is in the middle of the pack when it comes to curb weight. That can make it difficult to understand how to price out a fair insurance policy.

In order to see how the Ford Fusion’s insurance rates compare, take a look at these other similar models that belong in the same vehicle class.

When it comes down to the figures, the IIHS reports that the Nissan Pathfinder has a bodily injury loss percentage of 25 percent and a property damage loss percentage of 13 percent. These figures are around the average for this vehicle class, making Ford Fusion insurance rates pretty standard.

Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Ford Fusion insurance quotes from multiple providers today.

Rates by Driver Age

Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,352
20 $3,278
30 $1,466
40 $1,408
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,766
$250 $1,600
$500 $1,408
$1,000 $1,226

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,408
50/100 $1,544
100/300 $1,655
250/500 $1,942
100 CSL $1,589
300 CSL $1,832
500 CSL $2,009

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,634
20 $5,230
30 $3,132
40 $3,070
50 $2,934
60 $2,908

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 $201

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $71
Online Quote $100
Total Discounts $604
Rate after discounts $804

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

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