Ford Fusion Insurance Rates

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Luke Williams

Insurance and Finance Writer

Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications.  His insurance and finance writing has been featured on Spoxor, The Good Men Proje...

Insurance and Finance Writer

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:

Comprehensive $224
Collision $388
Liability $460

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.

Liability Only $510
Full Coverage $1,230
High Risk $2,666

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.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

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

View Chart as Image

Ford Fusion insurance cost comparison chart
Column chart showing Ford Fusion insurance rates range from $719 to $4,778 for full coverage

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.

Ford Fusion Insurance Rates by State
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%

View Chart as Image

Ford Fusion insurance rates by U.S. city

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 $1,154 $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.

Ford Fusion Insurance Rates by Model Year
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.

Rates by Driver Age

Ford Fusion Insurance 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

Ford Fusion Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,498
$250 $1,372
$500 $1,230
$1,000 $1,090

Full coverage, driver age 40

Rates by Liability Limit

Ford Fusion Insurance Rates with Different Liability Limits
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

Ford Fusion Insurance 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.

SR-22 Surcharge $171

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
Rate after discounts $719

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

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