Ford Fusion Auto Insurance (2024)
Ford Fusion insurance rates cost $1,492 a year, or around $124 a month. Mature drivers with good driving records may find rates as low as $877 a year.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
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 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.
UPDATED: Jun 22, 2023
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 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.
On This Page
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
Pay as low as $50 per month for Ford Fusion insurance rates when you enroll in liability-only coverage. However, teen driver insurance will cost $454 per month. You can save up to $615 per year on policy discounts which slows down expensive teen driver insurance rates. Continue reading to learn how you can save money on Ford Fusion insurance rates.
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.
Ford Fusion Insurance Cost
The average Ford Fusion auto insurance costs 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 Kia Optima, Buick Regal, and Honda Civic.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
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 insurance coverage.
Age of the Vehicle
The average Ford Fusion auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Ford Fusion are $1,492, while the 2010 Ford Fusion rates 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 impact on Ford Fusion auto insurance rates. For instance, a 30-year-old driver may pay $66 more each year for Ford Fusion auto 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 Phoenix may pay $820 a year less than drivers in Los Angeles.
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 the highest jump in their Ford Fusion auto insurance with violations on their driving record.
Ford Fusion Safety Ratings
Your Ford Fusion auto insurance rates are influenced by the Ford Fusion’s safety ratings. 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 can impact the cost of your Ford Fusion auto insurance. See Ford Fusion crash test results below:
| 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 Ford Fusion safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Ford Fusion auto insurance rates. The Ford Fusion’s safety features 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
The lower percentage means lower Ford Fusion auto insurance rates; higher percentages mean higher Ford Fusion auto insurance rates. The Ford Fusion’s insurance loss probability varies for each form of coverage.
| 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, most lenders will require your carry higher Ford Fusion coverages including comprehensive coverage, so be sure to compare Ford Fusion auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Ford Fusion Insurance
Although it may seem like your Ford Fusion auto insurance rates are set, there are a few measures that you can take to secure the best Ford Fusion auto insurance rates possible. Take a look at the following five ways to save on Ford Fusion auto insurance.
- Ask About Discounts for People with Disabilities
- Provide Your Ford Fusion VIN When Requesting Ford Fusion Auto Insurance Quotes
- Check Your Ford Fusion Auto Insurance Policy Carefully to Ensure All Information is Correct
- Move to an Area with Better Weather
- Add a More Experienced Driver to Your Ford Fusion Policy
Top Ford Fusion Insurance Companies
The best auto insurance companies for Ford Fusion auto insurance rates will offer competitive rates, discounts, and account for the Ford Fusion’s safety features. The following list of auto insurance companies outlines which companies hold the highest 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 | |||
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Frequently Asked Questions
Can I change my Ford Fusion insurance coverage at any time?
In most cases, you have the flexibility to change your Ford Fusion insurance coverage during the policy term. However, it’s advisable to consult with your insurance provider to understand any potential implications or restrictions before making changes to your coverage.
What should I do if my Ford Fusion is involved in an accident?
If your Ford Fusion is involved in an accident, prioritize your safety and the safety of others involved. Contact the authorities and your insurance provider to report the accident. Provide accurate and detailed information about the incident to facilitate the claims process.
Are there any specific Ford Fusion models or trims that are more expensive to insure?
Insurance rates can vary based on the specific model and trim of the Ford Fusion. Generally, higher-performance trims or models with additional features may have higher insurance rates due to the increased cost of repairs or replacement.
Can I transfer my existing insurance policy to a new Ford Fusion?
Yes, you can usually transfer your existing insurance policy to a new Ford Fusion. However, it’s important to notify your insurance provider about the change in vehicle and update your policy accordingly. This will ensure that you have the appropriate coverage for your new vehicle.
Is it more expensive to insure a leased Ford Fusion compared to an owned one?
Insuring a leased Ford Fusion may be slightly more expensive than insuring an owned one. This is because leased vehicles often require higher coverage limits, such as comprehensive and collision insurance, as mandated by the leasing company.
Does the color of my Ford Fusion affect insurance rates?
No, insurance companies generally do not consider the color of your vehicle when determining insurance rates. Factors such as the make, model, year, safety features, driving record, and location are typically more influential in determining your premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.