Best Ford Fusion Car Insurance Quotes (2024)
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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Brandon Frady
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Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Apr 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 1, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 insurance 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.
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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
How much is insurance for a Ford Fusion? 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, but remember to compare car insurance companies before making a decision. Let’s take a quick look at Ford Fusion insurance rates, safety ratings, and more.
You can start comparing affordable quotes for Ford Fusion simply by typing your ZIP code into 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. If you’d learn how much insurance is on a Mazda 3, our guide goes through what you need to know.
| 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.
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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 quotes. 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 20s 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.
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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
Before you buy car insurance, be sure to type your ZIP code into our free and helpful tool below to find affordable car quotes for the Ford Fusion in your area. Which car insurance company is for you? Find out now.
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Frequently Asked Questions
What is Ford Fusion car insurance?
Ford Fusion car insurance is a type of auto insurance that provides coverage specifically for Ford Fusion vehicles. This insurance policy covers damages and liabilities that may arise from accidents, theft, or other incidents involving your Ford Fusion.
How can I find the best Ford Fusion car insurance quotes?
To find the best Ford Fusion car insurance quotes, you can start by shopping around and comparing quotes from different insurance providers. You can use online comparison tools or reach out to insurance agents or brokers who specialize in sedan insurance.
What factors affect the cost of Ford Fusion car insurance?
Several factors can affect the cost of Ford Fusion car insurance, including the age and driving history of the driver, the location where the car is parked, the coverage and deductible amounts, and the overall value of the vehicle. Other factors such as the safety rating of the vehicle and the frequency of theft may also affect insurance rates.
What type of coverage should I consider for my Ford Fusion car insurance?
The type of coverage you should consider for your Ford Fusion car insurance depends on your individual needs and preferences. Some common coverage options include liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage. You may also want to consider additional coverage options such as roadside assistance or rental car reimbursement.
How much Ford Fusion car insurance coverage do I need?
The amount of Ford Fusion car insurance coverage you need depends on a variety of factors, including your personal assets, your driving habits, and your budget. It is recommended that you have at least enough coverage to cover the value of your vehicle and any potential liabilities that may arise from accidents or other incidents.
Can I get discounts on Ford Fusion car insurance?
Yes, many insurance providers offer discounts for Ford Fusion car insurance. Some common discounts include safe driver discounts, multiple car discounts, and bundling discounts for combining auto and home insurance policies. You may also be eligible for discounts based on your occupation or membership in certain organizations.
What should I do if I need to file a claim for my Ford Fusion car insurance?
If you need to file a claim for your Ford Fusion car insurance, you should contact your insurance provider as soon as possible. They will guide you through the claims process and help you get the necessary repairs or compensation for damages or losses. Be sure to provide all necessary information about your vehicle and any damage or losses incurred.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.