Ford Fusion Insurance Rates
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UPDATED: May 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?”
The average insurance rates for a Ford Fusion are $1,230 a year including full coverage. Comprehensive insurance costs an estimated $224, collision costs $388, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,666 or more. Teenage drivers cost the most to insure at $4,778 a year or more.
Average premium for full coverage: $1,230
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Fusion models.
Price Range Variability
Using a middle-aged driver as an example, Ford Fusion insurance rates go from the low end price of $510 for just liability insurance to the much higher price of $2,666 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates how where you live affects insurance prices.
The examples above highlight why everyone should compare rates quotes for a targeted area, instead of using average rates.
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.
More Rate Details
The chart below breaks down estimated Ford Fusion insurance rates for other coverage scenarios.
- The best discount rate is $719
- Raising to $1,000 deductibles will save approximately $140 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,230
- Using pricier low deductibles will cost an additional $268 every year
- At-risk drivers who are prone to accidents and violations could pay up to $2,666 or more
- Policy cost that insures a teen driver for full coverage can cost as much as $4,778
Auto insurance rates for a Ford Fusion also range considerably based on the model of your Fusion, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,100 in extra premium every year, depending on your age. Ford Fusion insurance for high-risk drivers is expensive and can cost as much as 44% to 136% more than a normal policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $4,700 a year. View Rates by Age
Your home state also has a big influence on Ford Fusion insurance prices. A middle-age driver might find rates as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,750 on average in Louisiana, New York, and Michigan.
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% |
Using high physical damage deductibles can reduce rates by up to $410 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.
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 Find the Best Cheap Ford Fusion Insurance
Finding cheaper rates on car insurance consists of being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a quick review of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,440 more annually than a low-risk driver
- You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Policyholders who want more liability protection will pay an extra $510 per year to raise from a 30/60 limit to the 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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