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How Much is Insurance for a Ford Fusion?

Average auto insurance rates for a Ford Fusion cost $1,492 a year, or around $124 a month. Teens pay the highest rates at up to $5,453 a year, while good drivers may only pay $877. However, the trim and model you choose will affect this price.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 13, 2020

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Key takeaways:

  • Full coverage costs around $1,492 a year or $124 each month
  • A liability-only policy costs around $599 a year or $50 each month
  • Highest rates are for teenage drivers at around $5,453 a year or $454 each month
  • Good drivers can save as much as $615 a year by earning policy discounts
  • Ford Fusion insurance costs around $27 less per year than the average vehicle

Ford Fusion insurance rates are about $27 less per year than the average vehicle with full coverage costing around $1,492 a year or $124 a month. The highest rates are for teens who will pay about $5,453 a year or $454 a month.

Good drivers can save up to $615 a year in policy discounts by staying safe out on the roads. Let’s take a quick look at Ford Fusion insurance rates, safety ratings, and more.

You can start comparing quotes for Ford Fusion car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Fusion Insurance Cost

The average Ford Fusion car insurance rates are $1,492 a year or $124 a month.

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Are Ford Fusions Expensive to Insure?

The chart below details how Ford Fusion insurance rates compare to other sedans like the Mazda 3, Kia Forte, and Volkswagen Passat.

Vehicle Comprehensive Collision Liability Total
Ford Fusion $336 $626 $372 $1,492
Mazda 3 $308 $562 $372 $1,400
Kia Forte $322 $500 $372 $1,352
Volkswagen Passat $332 $600 $390 $1,480
Toyota Camry $294 $570 $390 $1,412
Ford Taurus $344 $596 $398 $1,496
Nissan Sentra $254 $570 $390 $1,372

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Fusion Insurance?

The Ford Fusion trim and model you choose can impact the total price you will pay for Ford Fusion car insurance coverage.

Age of the Vehicle

Older Ford Fusion models generally cost less to insure. For example, car insurance for a 2020 Ford Fusion costs $1,492, while 2010 Ford Fusion insurance costs are $1,202, a difference of $290.

Model Year Comprehensive Collision Liability Total
2020 Ford Fusion $336 $626 $372 $1,492
2019 Ford Fusion $320 $600 $390 $1,468
2018 Ford Fusion $306 $596 $398 $1,458
2017 Ford Fusion $296 $582 $416 $1,452
2016 Ford Fusion $286 $558 $430 $1,432
2015 Ford Fusion $270 $538 $442 $1,408
2014 Ford Fusion $260 $500 $452 $1,370
2013 Ford Fusion $250 $470 $456 $1,334
2012 Ford Fusion $240 $422 $460 $1,280
2011 Ford Fusion $224 $388 $460 $1,230
2010 Ford Fusion $216 $364 $464 $1,202

Driver Age

Driver age can have a significant effect on Ford Fusion car insurance rates. As an example, a 30-year-old driver pays around $66 more each year for their Ford Fusion car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Fusion insurance rates. For example, drivers in New York may pay $910 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Ford Fusion auto insurance. Teens and drivers in their 20’s see sees the highest jump in their Ford Fusion car insurance with violations on their driving record.

Ford Fusion Safety Ratings

Your Ford Fusion car insurance rates are tied to the safety ratings of the Ford Fusion. See the breakdown below:

Test Type Rating
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 Not Tested
Source: Insurance Institute for Highway Safety

Ford Fusion Crash Test Ratings

Ford Fusion crash test ratings will affect your Ford Fusion car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Ford Fusion HEV 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2020 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2020 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2020 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2019 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2019 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2019 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2019 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2018 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion Hybrid 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion Energi 4 DR FWD N/R N/R N/R 4 stars
2017 Ford Fusion 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Fusion 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2016 Ford Fusion Hybrid 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2016 Ford Fusion Energi 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Fusion 4 DR FWD 5 stars 5 stars 4 stars 4 stars
2016 Ford Fusion 4 DR AWD 5 stars 5 stars 4 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Fusion Safety Features

The numerous safety features of the Ford Fusion help contribute to lower insurance rates. The 2020 Ford Fusion has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Ford Fusion Insurance Loss Probability

Insurance loss probability on the Ford Fusion fluctuates between each type of coverage. The lower percentage means lower Ford Fusion car insurance rates; higher percentages mean higher Ford Fusion auto insurance rates.

Insurance Coverage Category Loss Rate
Collision 10%
Property Damage -5%
Comprehensive 8%
Personal Injury 16%
Medical Payment 11%
Bodily Injury 5%
Source: Insurance Institute for Highway Safety

Ford Fusion Finance and Insurance Cost

If you are financing a Ford Fusion, you will pay more if you purchase Ford Fusion auto insurance at the dealership, so be sure to shop around and compare Ford Fusion auto insurance quotes from the best companies using our FREE tool below.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Ford Fusion Insurance

Drivers can end up saving more money on their Ford Fusion car insurance rates by employing any one of the following strategies.

  • Install an Aftermarket Anti-Theft Device for Your Ford Fusion
  • Compare Insurance Companies After Moving
  • Ask About Ford Fusion Safety Discounts
  • Consider Ford Fusion Insurance Costs Before Buying a Ford Fusion
  • Consider Ride Sharing Services to Lower Your Ford Fusion Mileage

Top Ford Fusion Insurance Companies

Several top car insurance companies offer competitive rates for the Ford Fusion rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Ford Fusion drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute

Compare Free Ford Fusion Insurance Quotes Online

To start comparing Ford Fusion car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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