Ford Fusion Insurance Rates
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UPDATED: Jun 5, 2023
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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?”
U.S. average insurance prices for a Ford Fusion are $1,230 every 12 months for full coverage. Comprehensive costs approximately $224, collision costs $388, and liability coverage is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,666. Teen drivers pay the highest rates at $4,778 a year or more.
Average premium for full coverage: $1,230
Price estimates by individual coverage:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for all Fusion models.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford Fusion insurance prices go from the cheapest price of $510 for just liability insurance to the much higher price of $2,666 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural locations have more infrequent accident claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
The ranges above show why everyone should get quotes using their specific location and their own driving history, rather than 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.
More Rate Details
The chart below shows estimated Ford Fusion insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $719
- Choosing higher $1,000 deductibles can save $140 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,230
- Choosing pricier low deductibles for comp and collision coverage increases the price to $1,498
- Drivers with multiple violations and an at-fault accident could pay around $2,666 or more
- The price to insure a teenage driver for full coverage can cost $4,778 each year
Auto insurance prices for a Ford Fusion are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Fusion.
Choosing high deductibles can save as much as $410 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,100 in extra premium each year, depending on your age. Ford Fusion insurance for high-risk drivers ranges around 44% to 136% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Fusion insurance rates. A good driver about age 40 could pay as low as $810 a year in states like Iowa, Maine, and Idaho, or as much as $1,750 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,112 | -$118 | -9.6% |
| Alaska | $944 | -$286 | -23.3% |
| Arizona | $1,022 | -$208 | -16.9% |
| Arkansas | $1,230 | -$0 | 0.0% |
| California | $1,400 | $170 | 13.8% |
| Colorado | $1,176 | -$54 | -4.4% |
| Connecticut | $1,264 | $34 | 2.8% |
| Delaware | $1,390 | $160 | 13.0% |
| Florida | $1,538 | $308 | 25.0% |
| Georgia | $1,134 | -$96 | -7.8% |
| Hawaii | $882 | -$348 | -28.3% |
| Idaho | $832 | -$398 | -32.4% |
| Illinois | $914 | -$316 | -25.7% |
| Indiana | $924 | -$306 | -24.9% |
| Iowa | $828 | -$402 | -32.7% |
| Kansas | $1,168 | -$62 | -5.0% |
| Kentucky | $1,676 | $446 | 36.3% |
| Louisiana | $1,818 | $588 | 47.8% |
| Maine | $760 | -$470 | -38.2% |
| Maryland | $1,014 | -$216 | -17.6% |
| Massachusetts | $984 | -$246 | -20.0% |
| Michigan | $2,136 | $906 | 73.7% |
| Minnesota | $1,030 | -$200 | -16.3% |
| Mississippi | $1,472 | $242 | 19.7% |
| Missouri | $1,090 | -$140 | -11.4% |
| Montana | $1,320 | $90 | 7.3% |
| Nebraska | $970 | -$260 | -21.1% |
| Nevada | $1,474 | $244 | 19.8% |
| New Hampshire | $888 | -$342 | -27.8% |
| New Jersey | $1,376 | $146 | 11.9% |
| New Mexico | $1,090 | -$140 | -11.4% |
| New York | $1,296 | $66 | 5.4% |
| North Carolina | $708 | -$522 | -42.4% |
| North Dakota | $1,006 | -$224 | -18.2% |
| Ohio | $850 | -$380 | -30.9% |
| Oklahoma | $1,264 | $34 | 2.8% |
| Oregon | $1,126 | -$104 | -8.5% |
| Pennsylvania | $1,174 | -$56 | -4.6% |
| Rhode Island | $1,642 | $412 | 33.5% |
| South Carolina | $1,114 | -$116 | -9.4% |
| South Dakota | $1,038 | -$192 | -15.6% |
| Tennessee | $1,078 | -$152 | -12.4% |
| Texas | $1,482 | $252 | 20.5% |
| Utah | $910 | -$320 | -26.0% |
| Vermont | $840 | -$390 | -31.7% |
| Virginia | $736 | -$494 | -40.2% |
| Washington | $952 | -$278 | -22.6% |
| West Virginia | $1,126 | -$104 | -8.5% |
| Wisconsin | $850 | -$380 | -30.9% |
| Wyoming | $1,098 | -$132 | -10.7% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Ford Fusion S 4-Dr Sedan | $1,154 | $96 |
| Ford Fusion SE 4-Dr Sedan | $1,182 | $99 |
| Ford Fusion Hybrid 4-Dr Sedan | $1,396 | $116 |
| Ford Fusion SEL 4-Dr Sedan | $1,210 | $101 |
| Ford Fusion Sport 4-Dr Sedan | $1,238 | $103 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,268 | $106 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,268 | $106 |
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 | $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 Shop for Cheap Ford Fusion Insurance
Getting lower rates on auto insurance takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to shop around at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a brief summary of the primary concepts that were raised in the charts and tables above.
- Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
- Drivers that tend to have accidents or serious violations may pay on average $1,440 more per year for car insurance
- Increasing physical damage deductibles could save as much as $400 each year
- Teenagers have the highest car insurance prices, with premiums as much as $398 a month if comprehensive and collision insurance 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 | $4,778 |
| 20 | $2,842 |
| 30 | $1,268 |
| 40 | $1,230 |
| 50 | $1,126 |
| 60 | $1,104 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,498 |
| $250 | $1,372 |
| $500 | $1,230 |
| $1,000 | $1,090 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,230 |
| 50/100 | $1,360 |
| 100/300 | $1,475 |
| 250/500 | $1,774 |
| 100 CSL | $1,406 |
| 300 CSL | $1,659 |
| 500 CSL | $1,843 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,780 |
| 20 | $4,528 |
| 30 | $2,708 |
| 40 | $2,666 |
| 50 | $2,548 |
| 60 | $2,526 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $85 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $52 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $511 |
Discounts are estimated and may not be available from every company or in every state.
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