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 rates for a Ford Fusion are $1,370 a year including full coverage. Comprehensive insurance costs on average $260, collision costs $500, and liability is $452. Buying just liability costs around $504 a year, with insurance for high-risk drivers costing $2,978 or more. 16-year-old drivers pay the highest rates at $5,226 a year or more.
Average premium for full coverage: $1,370
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for different Fusion trim levels.
Price Range from Low to High
For the average driver, Ford Fusion insurance prices go from as low as $504 for minimum levels of liability insurance to a much higher rate of $2,978 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.
The price range example below illustrates how location impacts car insurance rates.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on rate 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 Rate Details
The chart below breaks down estimated Ford Fusion insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $787
- Raising to $1,000 deductibles will save around $172 every year
- The average rate for the average middle-age driver with $500 deductibles is $1,370
- Buying more expensive low deductibles will cost an extra $334 annually
- Drivers with multiple tickets or accidents could pay upwards of $2,978 or more
- The price for full coverage for a 16-year-old driver with full coverage may cost $5,226
Insurance prices for a Ford Fusion are also quite variable based on your driving record, the model of your Fusion, and policy deductibles and limits.
An older driver with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age
The state you live in also has a big influence on Ford Fusion insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,950 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $510 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices may be quite different from one company to the next.
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 Find the Best Ford Fusion Insurance
Getting lower rates on insurance for a Ford Fusion consists of being safe and accident-free, having a good credit history, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief recap of the information touched on above.
- You may be able to save as much as $170 per year simply by shopping early and online
- Youthful drivers pay higher prices, possibly costing $436 a month including comprehensive and collision insurance
- Increasing physical damage deductibles can save around $500 each year
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,610 more each year than a low-risk driver
- Insureds who require more liability protection will pay around $500 per year to raise from a low limit to 250/500 limits
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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