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What Car Insurance Costs for a Ford Fusion

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Here's what you need to know...
  • The Ford Fusion is equipped with multiple safety features
  • It performs well in government crash tests
  • The Fusion is available in two different engine sizes. The smaller engine size will get your lower premiums on insurance

Determining the cost of car insurance for a Ford Fusion is an important step to take if deciding on purchasing a Ford Fusion.

Insurance on any vehicle is required by state law in almost every state. If a person is found driving without auto insurance then the consequences and fees will amount to a huge headache for the driver, and their wallet will take a hit as well.

Therefore, it’s easier and smarter to purchase insurance for the vehicle.

While car insurance is required in most states the rates can vary greatly so it can pay off to shop around to find the best auto insurance rates.

Enter your ZIP code above to start comparing FREE Ford Fusion car insurance quotes!

Ford Fusion Safety Features

The Ford Fusion has many safety features that are great ways to get a lower premium on your insurance. It is equipped with the following safety features:

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side-impact airbags
  • Overhead airbags
  • Pretensioners
  • Security System

All of these features will add to the insurance premium being lower when compared to a vehicle that does not have these safety features. And all these features are standard on the Fusion.

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Ford Fusion Crash Test Ratings

There are other factors that lower the Ford Fusion’s auto insurance premium, such as ratings in crash tests. In the crash test for the NHTSA, the Ford Fusion received an overall score five stars. It received four stars for side impact and rollover safety.

The IIHS rated the car as having a good crash offset and did not test the level of bumper bash.

These ratings are taken into consideration when rates are made. The better a car does on a crash test, the lower the insurance rate will be.

Personal Factors & Car Insurance Rates


Whether a person decides to put full coverage or standard coverage on their vehicle is a personal option. The average cost of Ford Fusion insurance is $1300 a year. This is for full coverage on the vehicle and for a driver over the age of 25.

For those who are younger, the price will be higher, depending on sex and driving record.

Ford Fusions Styles Available

The Ford Fusion is available in many different styles. Three of these styles offer four-cylinder engines, which will lower the insurance premium. There are two sport styles and one six cylinder engine to choose from.

The general rule is the bigger the engine the more the insurance premium will be. If attempting to get the lowest possible rate, a four-cylinder engine is the one you should choose.

Ford Fusion Car Insurance Rates

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