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Ford Fusion Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 9, 2020

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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 $1,468 a year including full coverage. Comprehensive insurance costs on average $320 each year, collision costs $600, and liability insurance costs around $390. Liability-only coverage costs as low as $452 a year, with high-risk coverage costing $3,182 or more. Teens cost the most to insure at $5,422 a year or more.

Average premium for full coverage: $1,468

Policy rates by type of insurance:

Comprehensive $320
Collision $600
Liability $390

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 $452 for basic liability insurance to a high rate of $3,182 for a high-risk driver policy.

Liability Only $452
Full Coverage $1,468
High Risk $3,182

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.

Rural Areas $1,101
Small Cities $1,541
Large Cities $1,982

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.

Rate Comparisons

The chart below breaks down estimated Ford Fusion insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $838
  • Using higher $1,000 deductibles will save around $210 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,468
  • Selecting low deductibles for physical damage coverage will cost an extra $408 a year
  • Drivers with serious driving violations could pay upwards of $3,182 or more
  • Policy cost for full coverage for a teen driver may cost $5,422 or more

View Chart as Image

Ford Fusion insurance cost comparison chart
Column chart showing full coverage Ford Fusion insurance prices range from $838 to $5,422

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 $1,130 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,100 on average in Michigan, New York, and Louisiana.

Ford Fusion Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,328 -$140 -9.5%
Alaska $1,126 -$342 -23.3%
Arizona $1,220 -$248 -16.9%
Arkansas $1,468 -$0 0.0%
California $1,672 $204 13.9%
Colorado $1,404 -$64 -4.4%
Connecticut $1,510 $42 2.9%
Delaware $1,664 $196 13.4%
Florida $1,838 $370 25.2%
Georgia $1,358 -$110 -7.5%
Hawaii $1,056 -$412 -28.1%
Idaho $994 -$474 -32.3%
Illinois $1,094 -$374 -25.5%
Indiana $1,108 -$360 -24.5%
Iowa $992 -$476 -32.4%
Kansas $1,396 -$72 -4.9%
Kentucky $2,004 $536 36.5%
Louisiana $2,176 $708 48.2%
Maine $906 -$562 -38.3%
Maryland $1,212 -$256 -17.4%
Massachusetts $1,176 -$292 -19.9%
Michigan $2,554 $1,086 74.0%
Minnesota $1,230 -$238 -16.2%
Mississippi $1,758 $290 19.8%
Missouri $1,304 -$164 -11.2%
Montana $1,578 $110 7.5%
Nebraska $1,160 -$308 -21.0%
Nevada $1,762 $294 20.0%
New Hampshire $1,058 -$410 -27.9%
New Jersey $1,644 $176 12.0%
New Mexico $1,302 -$166 -11.3%
New York $1,546 $78 5.3%
North Carolina $846 -$622 -42.4%
North Dakota $1,204 -$264 -18.0%
Ohio $1,014 -$454 -30.9%
Oklahoma $1,508 $40 2.7%
Oregon $1,344 -$124 -8.4%
Pennsylvania $1,402 -$66 -4.5%
Rhode Island $1,960 $492 33.5%
South Carolina $1,332 -$136 -9.3%
South Dakota $1,240 -$228 -15.5%
Tennessee $1,288 -$180 -12.3%
Texas $1,772 $304 20.7%
Utah $1,086 -$382 -26.0%
Vermont $1,004 -$464 -31.6%
Virginia $880 -$588 -40.1%
Washington $1,134 -$334 -22.8%
West Virginia $1,348 -$120 -8.2%
Wisconsin $1,018 -$450 -30.7%
Wyoming $1,310 -$158 -10.8%

View Chart as Image

Ford Fusion insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $620 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 $351 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 129% 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

Ford Fusion Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Fusion S 4-Dr Sedan $1,354 $113
Ford Fusion SE 4-Dr Sedan $1,396 $116
Ford Fusion Hybrid 4-Dr Sedan $1,624 $135
Ford Fusion SEL 4-Dr Sedan $1,438 $120
Ford Fusion Sport 4-Dr Sedan $1,480 $123
Ford Fusion SEL AWD 4-Dr Sedan $1,524 $127
Ford Fusion Sport AWD 4-Dr Sedan $1,524 $127

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.

Ford Fusion Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Ford Fusion $320 $600 $390 $1,468
2019 Ford Fusion $306 $596 $398 $1,458
2018 Ford Fusion $296 $582 $416 $1,452
2017 Ford Fusion $286 $558 $430 $1,432
2016 Ford Fusion $270 $538 $442 $1,408
2015 Ford Fusion $260 $500 $452 $1,370
2014 Ford Fusion $250 $470 $456 $1,334
2013 Ford Fusion $240 $422 $460 $1,280
2012 Ford Fusion $224 $388 $460 $1,230
2011 Ford Fusion $216 $364 $464 $1,202
2010 Ford Fusion $210 $340 $474 $1,182
2009 Ford Fusion $194 $316 $474 $1,142
2008 Ford Fusion $190 $286 $478 $1,112
2007 Ford Fusion $176 $262 $474 $1,070
2006 Ford Fusion $166 $238 $474 $1,036

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 $625 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 $430 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.

Rates by Driver Age

Ford Fusion Insurance Rates by Driver Age
Driver Age Premium
16 $5,422
20 $3,398
30 $1,538
40 $1,468
50 $1,342
60 $1,316

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,876
$250 $1,688
$500 $1,468
$1,000 $1,258

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,468
50/100 $1,602
100/300 $1,700
250/500 $1,953
100 CSL $1,641
300 CSL $1,856
500 CSL $2,012

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Insurance Rates for High Risk Drivers
Age Premium
16 $7,752
20 $5,406
30 $3,258
40 $3,182
50 $3,034
60 $3,008

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.

SR-22 Surcharge $206

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $111
5-yr Claim Free $95
Paid in Full/EFT $69
Advance Quote $74
Online Quote $105
Total Discounts $630
Rate after discounts $838

Discounts are estimated and may not be available from every company or in every state.

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