Ford Fusion Insurance Rates
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UPDATED: Nov 30, 2021
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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?”
The average insurance rates for a Ford Fusion are $1,458 a year including full coverage. Comprehensive insurance costs on average $306 each year, collision costs $596, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing $3,170 or more. Teens cost the most to insure at $5,426 a year or more.
Average premium for full coverage: $1,458
Policy rates by type of insurance:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Fusion models.
Price Range Variability
Using a middle-aged driver as an example, Ford Fusion insurance rates go from as low as $460 for basic liability insurance to a high rate of $3,170 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how where you live affects car insurance rates.
The examples above highlight why all drivers should compare prices based on a specific location and risk profile, rather than relying on averaged prices.
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.
The chart below breaks down estimated Ford Fusion insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $829
- Using higher $1,000 deductibles will save around $204 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,458
- Selecting low deductibles for physical damage coverage will cost an extra $400 a year
- Drivers with serious driving violations could pay upwards of $3,170 or more
- Policy cost for full coverage for a teen driver may cost $5,426 or more
Insurance rates for a Ford Fusion also range considerably based on your risk profile, the model of your Fusion, and policy deductibles and limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age
Your home state has a huge impact on Ford Fusion insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,080 on average in Michigan, New York, and Louisiana.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $610 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied 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||$1,344||$112|
|Ford Fusion SE 4-Dr Sedan||$1,386||$116|
|Ford Fusion Hybrid 4-Dr Sedan||$1,618||$135|
|Ford Fusion SEL 4-Dr Sedan||$1,428||$119|
|Ford Fusion Sport 4-Dr Sedan||$1,472||$123|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,514||$126|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,514||$126|
Rates assume 2020 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||$306||$596||$398||$1,458|
|2019 Ford Fusion||$296||$582||$416||$1,452|
|2018 Ford Fusion||$286||$558||$430||$1,432|
|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 the Best Cheap Ford Fusion Insurance
Finding cheaper rates on Ford Fusion insurance requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every time your policy renews by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a quick review of the information touched on in the above illustrations.
- You may be able to save as much as $180 per year simply by quoting online in advance
- Teen drivers pay higher rates, with premiums being up to $452 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles can save around $600 each year
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,710 more each year to insure their Fusion
- Drivers who require more liability coverage will pay approximately $440 per year to increase from a 30/60 limit to 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
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||$111|
|5-yr Claim Free||$95|
|Paid in Full/EFT||$69|
Discounts are estimated and may not be available from every company or in every state.