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...
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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. Comprehensive costs an estimated $260, collision insurance costs $500, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs around $2,978. Teen drivers receive the highest rates at up to $5,226 a year.
Average premium for full coverage: $1,370
Rate estimates broken down by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Fusion models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as cheap as $504 for minimum levels of liability insurance to the much higher price of $2,978 for a driver required to buy high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas. The example below illustrates how your location can change insurance prices.
These examples show why everyone should get quotes for a targeted area 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 Rate Details
The chart below shows average Ford Fusion insurance rates for other coverage scenarios.
- The lowest rate with discounts is $787
- Choosing higher $1,000 deductibles can save approximately $172 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,370
- Choosing pricier low deductibles for comp and collision coverage will cost $1,704
- Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,978
- The cost with full coverage for a teen driver for full coverage can cost as much as $5,226 each year
Auto insurance rates for a Ford Fusion can also vary considerably based on the trim level of your Fusion, your driver profile, and liability limits and deductibles.
A more mature driver 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 at least $5,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,300 in extra premium per year, depending on your age. Ford Fusion 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 buying more liability protection will increase premiums. Going 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 Iowa, Maine, and Idaho, or as much as $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
Saving money on car insurance takes avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The points below are a condensed summary of the data illustrated above.
- Policyholders who want increased liability limits will pay about $500 each year to raise limits from a minimum limit to higher 250/500 limits
- Drivers can save approximately $170 per year just by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $500 each year
- Drivers under the age of 20 are the costliest to insure, costing as high as $436 per month if full coverage is included
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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