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Compare Ford Fusion Insurance Rates [How to Find Cheap Rates]

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.

Table of Contents

Ford Fusion Insurance Cost

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

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
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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
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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
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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
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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
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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.

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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