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 around $224, collision insurance costs $388, and liability costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,666. Teens pay the highest rates at up to $4,778 a year.
Average premium for full coverage: $1,230
Price estimates for individual coverage:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all Fusion models.
Price Range from Low to High
For a driver around age 40, Ford Fusion insurance prices range from the cheapest price of $510 for the bare minimum liability coverage to the much higher price of $2,666 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above show why everyone should compare prices for a specific zip code and their own driving history, instead of using 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.
Additional Rate Information
The chart below shows average Ford Fusion insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $719
- Using higher $1,000 deductibles will save about $140 a year
- The average price for the average middle-age driver using $500 deductibles is $1,230
- Selecting pricier low deductibles for physical damage coverage increases the price to $1,498
- Drivers with serious driving violations could pay at least $2,666
- The price to insure a teen driver for full coverage can be $4,778 or more
Insurance prices for a Ford Fusion are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $410 every year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $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 at least $1,500 to $2,100 extra each year, depending on your age. Ford Fusion insurance for high-risk drivers can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Ford Fusion insurance prices. A driver around age 40 might see prices as low as $810 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,750 on average in Michigan, Louisiana, and New York.
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% |
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 Affordable Ford Fusion Insurance
Getting lower rates on car insurance requires having a good driving record, having good credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the car insurance concepts covered above.
- Higher risk drivers with DUI or reckless driving convictions may pay on average $1,440 more every year to buy Ford Fusion insurance
- Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save as much as $400 each year
- Policyholders who may need increased levels of liability coverage will pay approximately $510 each year to increase from a low limit to a 250/500 level
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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