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.

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

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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...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Aug 7, 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 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.


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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 Chevrolet Sonic, Infiniti Q50, and Ford Taurus.

VehicleComprehensiveCollisionLiabilityTotal
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

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 YearComprehensiveCollisionLiabilityTotal
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 $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 TypeRating
Small overlap front: driver-sideGood
Small overlap front: passenger-sideGood
Moderate overlap frontGood
SideGood
Roof strengthGood
Head restraints and seatsNot Tested
Source: Insurance Institute for Highway Safety

Ford Fusion Crash Test Ratings

The crash test ratings of the Ford Fusion can impact your Ford Fusion car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Ford Fusion HEV 4 DR FWD5 stars4 stars5 stars4 stars
2020 Ford Fusion Energi 4 DR FWDN/RN/RN/R4 stars
2020 Ford Fusion 4 DR FWD5 stars4 stars5 stars4 stars
2020 Ford Fusion 4 DR AWD5 stars4 stars5 stars4 stars
2019 Ford Fusion Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2019 Ford Fusion Energi 4 DR FWDN/RN/RN/R4 stars
2019 Ford Fusion 4 DR FWD5 stars4 stars5 stars4 stars
2019 Ford Fusion 4 DR AWD5 stars4 stars5 stars4 stars
2018 Ford Fusion Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2018 Ford Fusion Energi 4 DR FWDN/RN/RN/R4 stars
2018 Ford Fusion 4 DR FWD5 stars4 stars5 stars4 stars
2018 Ford Fusion 4 DR AWD5 stars4 stars5 stars4 stars
2017 Ford Fusion Hybrid 4 DR FWD5 stars4 stars5 stars4 stars
2017 Ford Fusion Energi 4 DR FWDN/RN/RN/R4 stars
2017 Ford Fusion 4 DR FWD5 stars4 stars5 stars4 stars
2017 Ford Fusion 4 DR AWD5 stars4 stars5 stars4 stars
2016 Ford Fusion Hybrid 4 DR FWD5 stars5 stars4 stars4 stars
2016 Ford Fusion Energi 4 DR FWD5 stars5 stars5 stars4 stars
2016 Ford Fusion 4 DR FWD5 stars5 stars4 stars4 stars
2016 Ford Fusion 4 DR AWD5 stars5 stars4 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

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 CategoryLoss Rate
Collision10%
Property Damage-5%
Comprehensive8%
Personal Injury16%
Medical Payment11%
Bodily Injury5%
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.

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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.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

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.

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