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Ford Fusion Insurance Rates

Ford Fusion insurance

The average insurance rates for a Ford Fusion are $1,418 a year including full coverage. Comprehensive insurance costs on average $318 each year, collision costs $594, and liability insurance costs around $354. Liability-only coverage costs as low as $416 a year, with high-risk coverage costing $3,064 or more. Teens cost the most to insure at $5,184 a year or more.

Average premium for full coverage: $1,418

Policy rates by type of insurance:

Comprehensive $318
Collision $594
Liability $354

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 $416 for basic liability insurance to a high rate of $3,064 for a high-risk driver policy.

Liability Only $416
Full Coverage $1,418
High Risk $3,064

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 $1,064
Small Cities $1,489
Large Cities $1,914

The examples above highlight why all drivers should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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Rate Comparisons

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

  • The cheapest rate after discounts is $808
  • Using higher $1,000 deductibles will save around $206 every year
  • The average rate for a good driver age 40 with $500 deductibles is $1,418
  • Selecting low deductibles for physical damage coverage will cost an extra $402 a year
  • Drivers with serious driving violations could pay upwards of $3,064 or more
  • Policy cost for full coverage for a teen driver may cost $5,184 or more

View Chart as Image

Ford Fusion insurance cost comparison chart
Column chart showing full coverage Ford Fusion insurance prices range from $808 to $5,184

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 $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,100 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 $2,250 on average in Michigan, New York, and Louisiana.

Ford Fusion Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
New Hampshire$1,156-$262-18.5%
New Jersey$1,412-$6-0.4%
New Mexico$1,314-$104-7.3%
New York$1,842$42429.9%
North Carolina$1,006-$412-29.1%
North Dakota$1,378-$40-2.8%
Rhode Island$1,718$30021.2%
South Carolina$1,320-$98-6.9%
South Dakota$1,112-$306-21.6%
West Virginia$1,442$241.7%

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 $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 $318 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 $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 134% 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 TrimAnnual PremiumMonthly Premium
Ford Fusion S 4-Dr Sedan$1,302$109
Ford Fusion SE 4-Dr Sedan$1,346$112
Ford Fusion Hybrid 4-Dr Sedan$1,560$130
Ford Fusion SEL 4-Dr Sedan$1,388$116
Ford Fusion Sport 4-Dr Sedan$1,432$119
Ford Fusion SEL AWD 4-Dr Sedan$1,474$123
Ford Fusion Sport AWD 4-Dr Sedan$1,474$123

Rates assume 2018 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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Ford Fusion$318$594$354$1,418
2017 Ford Fusion$304$570$370$1,396
2016 Ford Fusion$292$566$378$1,388
2015 Ford Fusion$282$552$396$1,382
2014 Ford Fusion$272$530$408$1,362
2013 Ford Fusion$256$510$420$1,338
2012 Ford Fusion$246$474$428$1,300
2011 Ford Fusion$236$446$432$1,266
2010 Ford Fusion$228$400$436$1,216
2009 Ford Fusion$212$368$436$1,168
2008 Ford Fusion$204$346$440$1,142
2007 Ford Fusion$200$322$450$1,124
2006 Ford Fusion$186$300$450$1,088

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 $170 per year simply by quoting online in advance
  • Teen drivers pay higher rates, with premiums being up to $432 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 $1,650 more each year to insure their Fusion
  • Drivers who require more liability coverage will pay approximately $390 per year to increase from a 30/60 limit to 250/500 limits

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Rates by Driver Age

Ford Fusion Insurance Rates by Driver Age
Driver AgePremium

Full coverage, $500 deductibles

Rates by Deductible

Ford Fusion Insurance Rates with Different Deductibles

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
Liability LimitPremium
100 CSL$1,580
300 CSL$1,775
500 CSL$1,917

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fusion Insurance 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.

SR-22 Surcharge $198

Potential Rate Discounts

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

5-yr Accident Free$108
5-yr Claim Free$92
Paid in Full/EFT$68
Advance Quote$72
Online Quote$101
Total Discounts$610
Rate after discounts $808

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

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