Ford Fusion SE 4-Dr Sedan Insurance Rates

Average insurance rates for a Ford Fusion SE 4-Dr Sedan are $1,420 a year for full coverage. Comprehensive costs approximately $326 a year, collision insurance costs $572, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $3,060. Teenage drivers receive the highest rates at up to $5,194 a year.

Annual premium for full coverage: $1,420

Rate estimates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Fusion Trim Level

Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations tend to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance prices.

These differences show why it is important for drivers to compare rates using their specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Ford Fusion SE 4-Dr Sedan can also vary considerably based on your driver profile, the model year of your Fusion, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

Where you live makes a big difference in Ford Fusion SE 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $600 each year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know which company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes can be significantly different from one company to the next.

View Chart as Image

Chart shows Ford Fusion SE 4-Dr Sedan insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $818. Drivers who use higher $1,000 deductibles will pay around $1,216. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,420. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $1,816. Drivers with multiple violations and accidents could be charged as much as $3,060. The cost for full coverage insurance for a teenager is $5,194.

View Chart as Image