Ford Fusion Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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?”
Estimated auto insurance rates for a Ford Fusion are $1,370 annually for full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $500, and liability is $452. Liability-only insurance costs around $504 a year, and high-risk driver insurance costs $2,978 or more. 16-year-old drivers pay the most at up to $5,226 a year.
Average premium for full coverage: $1,370
Premium estimates by type of coverage:
Price estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for all Fusion models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Fusion range from as cheap as $504 for liability-only coverage to the much higher price of $2,978 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.
These rate differences show why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate 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 shows average Ford Fusion insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $787
- Raising to $1,000 deductibles will save $172 a year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,370
- Buying pricier low deductibles costs an additional $334 annually
- Drivers with multiple tickets or accidents could pay around $2,978
- An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $5,226
Insurance prices for a Ford Fusion also have a wide range based on the model of your Fusion, your driver profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,600 to $2,300 additional annually, depending on your age. Ford Fusion insurance for high-risk drivers is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $510 annually, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Ford Fusion insurance prices. A middle-age driver might find prices as low as $900 a year in states like Iowa, Maine, and Idaho, or at least $1,950 on average in New York, Louisiana, and Michigan.
| 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% |
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 Cheaper Ford Fusion Insurance
Finding better rates on insurance for a Ford Fusion consists of not taking risks behind the wheel, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from several local insurance agents.
The following is a condensed summary of the information covered in the above illustrations.
- Drivers can save around $170 per year just by quoting online well ahead of the renewal date
- Teens are the costliest to insure, as much as $436 per month if they have full coverage
- Increasing policy deductibles could save up to $500 each year
- Drivers considered higher risk with multiple at-fault accidents pay on average $1,610 more per year for Fusion insurance
- Insureds who purchase higher liability limits will pay around $500 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
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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