Ford Fusion Insurance Rates
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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 auto insurance rates for a Ford Fusion are $1,370 annually for full coverage insurance. Comprehensive costs on average $260 each year, collision costs $500, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing around $2,978. Teen drivers receive the highest rates at $5,226 a year or more.
Average premium for full coverage: $1,370
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Fusion models.
Price Range by Coverage and Risk
For the average driver, prices range go from as cheap as $504 for liability-only coverage to a high rate of $2,978 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas tend to have fewer physical damage claims than larger metro areas.
The graphic below illustrates how location impacts car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of using 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.
Additional Charts and Tables
The chart below illustrates estimated Ford Fusion insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $787
- Choosing higher $1,000 deductibles can save around $172 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,370
- Choosing low deductibles for comp and collision coverage will cost $1,704
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,978 or more
- The cost with full coverage for a teen driver may cost $5,226 each year
Auto insurance rates for a Ford Fusion can also vary considerably based on the trim level of your Fusion, your risk profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $510 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Ford Fusion insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,238 | -$132 | -9.6% |
Alaska | $1,050 | -$320 | -23.4% |
Arizona | $1,136 | -$234 | -17.1% |
Arkansas | $1,370 | -$0 | 0.0% |
California | $1,558 | $188 | 13.7% |
Colorado | $1,306 | -$64 | -4.7% |
Connecticut | $1,408 | $38 | 2.8% |
Delaware | $1,548 | $178 | 13.0% |
Florida | $1,712 | $342 | 25.0% |
Georgia | $1,264 | -$106 | -7.7% |
Hawaii | $982 | -$388 | -28.3% |
Idaho | $926 | -$444 | -32.4% |
Illinois | $1,020 | -$350 | -25.5% |
Indiana | $1,030 | -$340 | -24.8% |
Iowa | $924 | -$446 | -32.6% |
Kansas | $1,300 | -$70 | -5.1% |
Kentucky | $1,866 | $496 | 36.2% |
Louisiana | $2,026 | $656 | 47.9% |
Maine | $844 | -$526 | -38.4% |
Maryland | $1,128 | -$242 | -17.7% |
Massachusetts | $1,094 | -$276 | -20.1% |
Michigan | $2,378 | $1,008 | 73.6% |
Minnesota | $1,146 | -$224 | -16.4% |
Mississippi | $1,640 | $270 | 19.7% |
Missouri | $1,214 | -$156 | -11.4% |
Montana | $1,470 | $100 | 7.3% |
Nebraska | $1,080 | -$290 | -21.2% |
Nevada | $1,642 | $272 | 19.9% |
New Hampshire | $988 | -$382 | -27.9% |
New Jersey | $1,530 | $160 | 11.7% |
New Mexico | $1,212 | -$158 | -11.5% |
New York | $1,442 | $72 | 5.3% |
North Carolina | $790 | -$580 | -42.3% |
North Dakota | $1,120 | -$250 | -18.2% |
Ohio | $946 | -$424 | -30.9% |
Oklahoma | $1,404 | $34 | 2.5% |
Oregon | $1,254 | -$116 | -8.5% |
Pennsylvania | $1,306 | -$64 | -4.7% |
Rhode Island | $1,826 | $456 | 33.3% |
South Carolina | $1,240 | -$130 | -9.5% |
South Dakota | $1,156 | -$214 | -15.6% |
Tennessee | $1,198 | -$172 | -12.6% |
Texas | $1,652 | $282 | 20.6% |
Utah | $1,014 | -$356 | -26.0% |
Vermont | $938 | -$432 | -31.5% |
Virginia | $820 | -$550 | -40.1% |
Washington | $1,058 | -$312 | -22.8% |
West Virginia | $1,254 | -$116 | -8.5% |
Wisconsin | $948 | -$422 | -30.8% |
Wyoming | $1,220 | -$150 | -10.9% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Ford Fusion S 4-Dr Sedan | $1,272 | $106 |
Ford Fusion SE 4-Dr Sedan | $1,310 | $109 |
Ford Fusion Hybrid 4-Dr Sedan | $1,538 | $128 |
Ford Fusion SEL 4-Dr Sedan | $1,344 | $112 |
Ford Fusion Sport 4-Dr Sedan | $1,380 | $115 |
Ford Fusion SEL AWD 4-Dr Sedan | $1,416 | $118 |
Ford Fusion Sport AWD 4-Dr Sedan | $1,416 | $118 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2020 Ford Fusion | $270 | $538 | $442 | $1,408 |
2019 Ford Fusion | $260 | $500 | $452 | $1,370 |
2018 Ford Fusion | $250 | $470 | $456 | $1,334 |
2017 Ford Fusion | $240 | $422 | $460 | $1,280 |
2016 Ford Fusion | $224 | $388 | $460 | $1,230 |
2015 Ford Fusion | $216 | $364 | $464 | $1,202 |
2014 Ford Fusion | $210 | $340 | $474 | $1,182 |
2013 Ford Fusion | $194 | $316 | $474 | $1,142 |
2012 Ford Fusion | $190 | $286 | $478 | $1,112 |
2011 Ford Fusion | $176 | $262 | $474 | $1,070 |
2010 Ford Fusion | $166 | $238 | $474 | $1,036 |
2009 Ford Fusion | $162 | $214 | $468 | $1,002 |
2008 Ford Fusion | $158 | $208 | $460 | $984 |
2007 Ford Fusion | $156 | $198 | $452 | $964 |
2006 Ford Fusion | $142 | $190 | $446 | $936 |
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 Buy Low Cost Ford Fusion Insurance
Saving money on car insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around at every other renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a review of the concepts that were touched on above.
- Higher risk drivers who have several accidents or serious violations may pay on average $1,610 more each year than a low-risk driver
- Youthful drivers are charged the highest rates, costing up to $436 per month if full coverage is included
- It is possible to save as much as $170 per year simply by quoting online in advance
- Increasing deductibles could save up to $500 each year
- It is possible to save as much as $170 per year simply by quoting online in advance
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
Driver Age | Premium |
---|---|
16 | $5,226 |
20 | $3,180 |
30 | $1,420 |
40 | $1,370 |
50 | $1,252 |
60 | $1,230 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,704 |
$250 | $1,548 |
$500 | $1,370 |
$1,000 | $1,198 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,370 |
50/100 | $1,506 |
100/300 | $1,619 |
250/500 | $1,913 |
100 CSL | $1,552 |
300 CSL | $1,800 |
500 CSL | $1,981 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,448 |
20 | $5,068 |
30 | $3,034 |
40 | $2,978 |
50 | $2,846 |
60 | $2,822 |
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.
Discount | Savings |
---|---|
Multi-policy | $73 |
Multi-vehicle | $74 |
Homeowner | $21 |
5-yr Accident Free | $100 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $61 |
Advance Quote | $68 |
Online Quote | $97 |
Total Discounts | $583 |
Discounts are estimated and may not be available from every company or in every state.
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