Ford Fusion Insurance Rates
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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 insurance prices for a Ford Fusion are $1,370 every 12 months for full coverage insurance. Comprehensive costs around $260, collision insurance costs $500, and liability is estimated at $452. Liability-only coverage costs approximately $504 a year, and high-risk coverage 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 for individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Fusion trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from the cheapest price of $504 for liability-only coverage to a much higher rate of $2,978 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.
These examples illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on 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 Charts and Tables
The chart below illustrates average Ford Fusion insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $787
- Choosing higher $1,000 deductibles can save about $172 each year
- The average price for a 40-year-old driver using $500 deductibles is $1,370
- Choosing more expensive low deductibles for comp and collision coverage increases the price to $1,704
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,978
- The cost to insure a 16-year-old driver with full coverage can be $5,226 each year
Car insurance rates for a Ford Fusion can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.
Choosing high deductibles can save as much as $510 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $5,200 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,600 to $2,300 extra per year, depending on your age. High-risk driver insurance ranges from 44% to 130% more than average. View High Risk Driver Rates
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 Vermont, Wisconsin, and North Carolina, or as much as $1,850 on average in Michigan, New York, and Florida.
| 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 Shop for More Affordable Ford Fusion Insurance
Saving money on insurance for a Ford Fusion takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a summary of the concepts that were illustrated above.
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,610 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are the costliest to insure, costing up to $436 per month if the policy includes full coverage
- It is possible to save up to $170 per year just by shopping early and online
- Increasing deductibles could save as much as $500 each year
- It is possible to save up to $170 per year just by shopping early and online
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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