How to Find Cheap Ford Fusion Car Insurance Quotes

Average Ford Fusion car insurance rates cost $1,492 a year, or around $124 a month. Finding Ford Fusion teenager insurance coverage can cost on average $5,453 a year, so shop around to find cheap rates.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 3, 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 car insurance rates cost drivers an average of $1,492 a year, which comes down to right around $124 per month. Some of the factors that determine Ford Fusion rates include the age of both the driver and vehicle, as well as the model’s safety features.

Many drivers ask, “Is the Ford Fusion expensive to insure?” It depends on the model year and trims. The 2007 Ford Fusion insurance rates would much cheaper than the 2014 Ford Fusion SE insurance rates. Ford Fusion Sport insurance costs $1,548/year or $129/month.

We have prepared this in-depth article so you can educate yourself more on Ford Fusion insurance rates. By the time you’ve read through it, you will be able to compare policies confidently.

You can start comparing FREE quotes for Ford Fusion car insurance rates from some of the best car insurance companies by using our free online tool now. Enter your ZIP code above to get started.

How much is insurance for a Ford Fusion?

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 Lincoln MKZ, Honda Civic, and Chevrolet Cruze.

Vehicle Comprehensive Collision Liability Total
Ford Fusion $336 $626 $372 $1,492
Lincoln MKZ $320 $686 $450 $1,636
Honda Civic $280 $656 $420 $1,536
Chevrolet Cruze $308 $594 $372 $1,432
Audi A3 $282 $566 $398 $1,404
Audi S4 $370 $744 $338 $1,588
Toyota Camry $294 $570 $390 $1,412
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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

Older Ford Fusion models generally cost less to insure. For example, auto insurance for a 2020 Ford Fusion costs $1,492, while the 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
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The Ford Fusions made within the last four years have more expensive insurance rates. If you want to save more on car insurance, consider buying 2013, 2012, or 2011 Ford Fusion for cheaper car insurance rates.

Watch this video that reviews the 2018 Ford Fusion Energi.

Why do the 2012 Ford Fusion car insurance costs cheaper? The 2018 Ford Fusion insurance cost more because the vehicle is worth more, and the parts may be more expensive.

Driver Age

Driver age can have a significant effect on Ford Fusion car insurance rates. For example, 30-year-old drivers pay $66 more for Ford Fusion car insurance than 40-year-old drivers.

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 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 auto insurance rates are tied to 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 car 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 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

The lower percentage means lower Ford Fusion car insurance costs; higher percentages mean higher Ford Fusion car insurance costs. Compare the following Ford Fusion loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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 coverage options, including comprehensive coverage. Be sure to shop around and compare Ford Fusion car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Fusion Insurance

You can save more money on your Ford Fusion auto insurance rates by employing any of the following five strategies.

  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Consider Ford Fusion Insurance Costs Before Buying a Ford Fusion
  • Reduce Modifications on Your Ford Fusion
  • Don’t Always Pick the Cheapest Ford Fusion Insurance Policy
  • Get Married and Ask for a Discount

Top Ford Fusion Insurance Companies

The best auto insurance companies for Ford Fusion car insurance rates will offer competitive rates, discounts, and account for the Ford Fusion’s safety features. The following list of car 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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Compare Free Ford Fusion Insurance Quotes Online

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.

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 so it can pay off to shop around to find the best auto insurance rates.

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

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 What Are The Safety Features Of The Ford Fusion?

The Ford Fusion has many safety features that are great ways to get a lower premium on your insurance. It’s 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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What Are The Ford Fusion Crash Test Ratings?

Other factors 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 of five stars. It received four stars for side-impact and rollover safety.

The Insurance Information for Highway Safety (IIHS) rated the Ford Fusion 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.

What Personal Factors Affect 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 car insurance on the vehicle and a driver over the age of 25.

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

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What Ford Fusions Styles Are 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. Here’s a list of Ford Fusion trims:

  • Ford Fusion Hybrid
  • Ford Fusion Sport
  • Ford Fusion SE

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.

How Do I Find Ford Fusion Car Insurance Rates?

You can find Ford Fusion car insurance just about anywhere on the web. Finding the cheapest car to insure can be difficult, but you can get affordable car insurance.

Enter your ZIP code below to start comparing FREE auto insurance rates online! We will help you find the best insurance rates for a Ford Fusion!

Ford Fusion Car Insurance FAQs

To wrap up the Ford Fusion car insurance review, we’ll answer some frequently asked questions to make sure you have all the information you need to get the cheapest auto insurance you can find.

#1 – What is the cheapest car to insure?

Of course, the cheapest Ford Fusion to insure would be the 2007 Ford Fusion. As it relates to the article, the most affordable would be the 2010 Ford Fusion. The 2010 Ford Fusion car insurance will cost $1,202/year.

#2 – How much does a Ford Fusion Hybrid cost?

The cost to own a Ford Fusion Hybrid costs $28,000. Ford Fusion Hybrid insurance cost $1,644/year or $137/month.

#3 – Which Ford Fusion is the best?

Consumer Reports reviews show that the best Ford Fusion is 2012-2013 Ford Fusion

#4 – Is a Ford Fusion a reliable car?

Yes. The Ford Fusion has a five-star rating from the NHTSA and an overall “G” from the IIHS.

#5 – Do Ford Fusions have a lot of problems?

The Ford Fusion may start to have transmission problems around 80,000 miles. However, new make and model years have improved transmission systems, so you may not encounter any issues that older cars have.

#6 – Why is insurance so high on Ford Fusion?

Car insurance may be more expensive on your Ford Fusion because of the value of the car. The parts may be expensive to replace. Also, the factors that determine car insurance may drive up your car insurance rates.

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

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