Ford Fusion Insurance Rates
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UPDATED: Sep 6, 2022
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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 $1,334 a year for full coverage. Comprehensive costs on average $250 a year, collision costs $470, and liability insurance costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,900. Teen drivers receive the highest rates at $5,118 a year or more.
Average premium for full coverage: $1,334
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Fusion trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $508 for only liability insurance to a high of $2,900 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.
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.
Insurance Rate Analysis
The chart below shows estimated Ford Fusion insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $769
- Drivers who choose higher $1,000 deductibles will pay around $1,170 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,334
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,652
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,900 or more
- The cost for full coverage for a teen driver may cost $5,118 a year
for a Ford Fusion can also vary considerably based on your driver profile, the trim level of your Fusion, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,100 a year. View Rates by Age
Where you live makes a big difference in Ford Fusion insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Idaho, Maine, and Iowa, or as much as $1,900 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 134% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Ford Fusion S 4-Dr Sedan||$1,244||$104|
|Ford Fusion SE 4-Dr Sedan||$1,278||$107|
|Ford Fusion Hybrid 4-Dr Sedan||$1,504||$125|
|Ford Fusion SEL 4-Dr Sedan||$1,310||$109|
|Ford Fusion Sport 4-Dr Sedan||$1,344||$112|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,378||$115|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,378||$115|
Rates assume 2015 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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Ford Fusion||$270||$538||$442||$1,408|
|2016 Ford Fusion||$260||$500||$452||$1,370|
|2015 Ford Fusion||$250||$470||$456||$1,334|
|2014 Ford Fusion||$240||$422||$460||$1,280|
|2013 Ford Fusion||$224||$388||$460||$1,230|
|2012 Ford Fusion||$216||$364||$464||$1,202|
|2011 Ford Fusion||$210||$340||$474||$1,182|
|2010 Ford Fusion||$194||$316||$474||$1,142|
|2009 Ford Fusion||$190||$286||$478||$1,112|
|2008 Ford Fusion||$176||$262||$474||$1,070|
|2007 Ford Fusion||$166||$238||$474||$1,036|
|2006 Ford Fusion||$162||$214||$468||$1,002|
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 Cheaper Ford Fusion Insurance
Saving money on Ford Fusion insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $475 each year
- Drivers can save as much as $160 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $427 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,570 more each year for insurance
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$96|
|5-yr Claim Free||$87|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.