Compare Ford Fusion Insurance Rates [Cheap Coverage Guide]

Ford Fusion insurance costs $124/mo or $1,492/yr, which is around $27 less per year than the average vehicle. For teenage drivers, Ford Fusion insurance rates are as high as $454.42/mo or $5,453/yr, which mature drivers with good driving records can save up to $51.25/mo or $615/yr on Ford Fusion insurance.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Good drivers save up to $615 a year in policy discounts by practicing safe driving habits. 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 auto insurance rates are $1,492 a year or $124 a month.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Are Ford Fusions Expensive to Insure?

The chart below details how Ford Fusion insurance rates compare to other sedans like the Chevrolet Sonic, Infiniti Q50, and Ford Taurus.

Vehicle Comprehensive Collision Liability Total
Ford Fusion $336 $626 $372 $1,492
Chevrolet Sonic $270 $536 $398 $1,362
Infiniti Q50 $344 $686 $398 $1,586
Ford Taurus $344 $596 $398 $1,496
Nissan Maxima $372 $630 $390 $1,550
Ford Focus $244 $536 $398 $1,336
Chevrolet Malibu $322 $532 $372 $1,384
Compare RatesStart Now →

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?

You might have noticed that there is a multitude of factors that impact Ford Fusion car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Ford Fusion.

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
Compare RatesStart Now →

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 $388 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Ford Fusion car insurance. Teens and drivers in their 20’s see 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
Compare RatesStart Now →

Ford Fusion Crash Test Ratings

The crash test ratings of the Ford Fusion can impact 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
Compare RatesStart Now →

Ford Fusion Safety Features

Ford Fusion safety features can lower the cost of your insurance. The safety features for the 2020 Ford Fusion include:

  • 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
Compare RatesStart Now →

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.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Ways to Save on Ford Fusion Insurance

Save more on your Ford Fusion car insurance rates. Take a look at the following five strategies that will get you the best Ford Fusion auto insurance rates possible.

  • Ask for a New Ford Fusion Auto Insurance Rate Based on Your Improved Credit Score
  • Buy Your Ford Fusion with Cash, or Get a Shorter-Term Loan
  • Save Money on Young Driver Ford Fusion Insurance By Mentioning Grades or GPA
  • Compare Apples to Apples When Comparing Ford Fusion Insurance Quotes and Policies
  • Ask About Ford Fusion Low Mileage Discounts

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 RatesStart Now →

Compare Free Ford Fusion Insurance Quotes Online

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

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption