Depending on the trim level, the average cost of insurance for a Ford Fusion is $1599 per year or about $135 per month. Compared to all 2020 midsize cars, the Fusion ranks 11th best out of 15 vehicles, putting it in the bottom half for insurance premiums. The S Sedan trim level has the least expensive insurance at about $1387 per year. On the other hand, the Hybrid Titanium Plug-in Sedan costs the most at $1770 per year.
A Ford Fusion Hybrid costs $219 more annually than a Ford Fusion that isn't a hybrid.In addition, the average cost of insurance for a car that isn't a hybrid is $1533, while the average cost for a hybrid is $1740. Average insurance costs for a Ford Fusion are $1599 a year, or about $135 a month.
So you can expect to pay about $92 more per year to insure a Ford Fusion than the average rate for midsize cars and about $42 more than the average rate for all vehicles, which is $1557 per year.
| Ford Fusion Trim Level | Annual Policy |
|---|---|
| S Sedan | $1389 |
| SE Sedan | $1440 |
| SE AWD | $1482 |
| SEL Sedan | $1482 |
| Titanium Sedan | $1569 |
| Hybrid SE Sedan | $1611 |
| Titanium AWD | $1620 |
| Hybrid Police Respsponder Sedan | $1689 |
| Hybrid SEL Sedan | $1689 |
| Hybrid Special Service Plug-in Sedan | $1728 |
| Hybrid Titanium Sedan | $1728 |
| Hybrid Titanium Plug-in Sedan | $1770 |
To show how different auto insurance rates can be, we included all rates for every possible combination of factors, like all 12 Ford Fusion trim levels and all 42,000 zip codes in the U.S.
Only liability insurance for a Ford Fusion could cost as little as $225 a year in some parts of Vermont or North Carolina. In contrast, full coverage insurance for a 16-year-old driver with an accident and a few tickets could cost as much as $14964 a year in some parts of New York City.
The Ford Fusion is only the 11th best midsize car for 2020 out of 15. The average insurance cost is $1599 per year, $81 more than the category median rate of $1518 per year.
Compared to other midsize cars, the Ford Fusion costs $85 more per year to insure than the Toyota Camry, $1 more than the Honda Accord, $108 more than the Nissan Altima, and $1137 less than the Tesla Model 3.
We suggest you get a quote to help you sort through hundreds of possible rates. It will save a lot of time.
| Rank | Make/Model | Insurance Cost |
|---|---|---|
| 1 | Honda Insight | $1764 |
| 2 | Buick Regal | $1380 |
| 3 | Mazda 6 | $1518 |
| 4 | Chevrolet Malibu | $1662 |
| 5 | Toyota Camry | $1514 |
| 6 | Subaru Legacy | $1530 |
| 7 | Honda Accord | $1600 |
| 8 | Volkswagen Passat | $1721 |
| 9 | Nissan Altima | $1707 |
| 10 | Kia Optima | $1786 |
| 11 | Ford Fusion | $2179 |
| 12 | Volkswagen Arteon | $1620 |
| 13 | Tesla Model 3 | $2736 |
| 14 | Hyundai Sonata | $2077 |
| 15 | Kia Stinger | $1810 |
The extra cost of liability insurance is the main reason why Ford Fusion insurance is so much more expensive than insurance for other similar cars. Most liability insurance claims for the Ford Fusion are higher than average, especially for claims of personal injury and bodily injury.
Most collision and property damage claims for the hybrid model are also much higher than average. For the data we have for 2017–19, no Fusion model has a better-than-average overall loss rate.
In the following sections, we'll talk about how much it costs to insure a Ford Fusion on average for each trim level from 2015 to 2019. After the 2020 model year, the Fusion was no longer made.
Most of the time, it costs less to insure an older Ford Fusion.
Insurance rates are more expensive for Ford Fusions made in the last four years. If you want to save more money on car insurance, you might want to think about buying a 2013, 2012, or 2011 Ford Fusion, which has lower insurance rates. The insurance for a 2018 Ford Fusion costs more because the car is worth more, and the parts may cost more.
| Model Year | Total |
|---|---|
| 2019 Ford Fusion | $1479 |
| 2018 Ford Fusion | $1461 |
| 2017 Ford Fusion | $1458 |
| 2016 Ford Fusion | $1440 |
| 2015 Ford Fusion | $1413 |
The driver's age can greatly affect the cost of car insurance for a Ford Fusion.
Teenage male drivers pay an average of $4545 to $5829 for Ford Fusion car insurance, while teenage female drivers pay an average of $4044 to $5139.
Where you live can greatly affect how much you pay for Ford Fusion insurance. For instance, New York drivers may pay $910 more per year than drivers in Seattle.
| City | Average Annual Rate |
|---|---|
| Los Angeles, CA | $2562 |
| New York, NY | $2378 |
| Houston, TX | $2361 |
| Jacksonville, FL | $2175 |
| Philadelphia, PA | $2010 |
| Chicago, IL | $1986 |
| Phoenix, AZ | $1749 |
| Seattle, WA | $1461 |
| Indianapolis, IN | $1281 |
| Columbus, OH | $1248 |
Your record as a driver can affect how much your Ford Fusion car insurance costs. With moving violations on their driving record, the rates for teens and people in their 20s who drive a Ford Fusion go up the most.
The average insurance cost for a 2019 Ford Fusion is $1833 per year. The Fusion S Sedan costs $1683 per year, while the Fusion Sport AWD costs $1989.
The average insurance cost for a 2018 Ford Fusion is $1509 per year. The Fusion S Sedan costs $1392 per year, while the Fusion Hybrid Platinum Plug-in Sedan costs $1629.
Full coverage insurance for a 2017 Ford Fusion costs about $1470 per year. The Fusion S Sedan costs $1353 per year, while the Fusion Hybrid Platinum Plug-in Sedan costs $1587.
The average cost of insurance for a 2016 Ford Fusion is $1299 per year. The Fusion Hybrid S Sedan costs $1227 per year, while the Fusion Hybrid Titanium Plug-in Sedan costs $1371.
The average insurance cost for a 2015 Ford Fusion is $1287 per year. The Fusion S Sedan costs $1197 per year, while the Fusion Hybrid Titanium Plug-in Sedan costs $1392.
How well your Ford Fusion did in crash tests can affect how much your Ford Fusion car insurance costs. The Ford Fusion scored a perfect five-star score on the NHTSA crash test.
It got four stars for safety in both side-impact and rollover tests.
The Insurance Institute for Highway Safety (IIHS) said the Ford Fusion has a good crash offset, but they did not test the bumper bash level.
When making rates, these scores are taken into account. The lower the insurance rate, the better a car does in a crash test.
See how the Ford Fusion did in crash tests 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 |
The Ford Fusion has many safety features that help keep insurance rates low.
This is what the 2020 Ford Fusion has for safety:
Your Ford Fusion car insurance rates depend on how safe the car is.
Look at the list 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 |
The Ford Fusion has many safety features that can help you get a lower insurance premium.
The following safety features are built into it:
Compared to a car that doesn't have any of these safety features, the insurance rate will be lower. And all of these things come with the Fusion.
If the percentage is low, the cost of insurance for a Ford Fusion will be low. Conversely, if the percentage is high, the cost of insurance for a Ford Fusion will be high. Compare the rates of collision, property damage, comprehensive, PIP, MedPay, and bodily injury for the Ford Fusion.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 10% |
| Property Damage | -5% |
| Comprehensive | 8% |
| Personal Injury | 16% |
| Medical Payment | 11% |
| Bodily Injury | 5% |
You can save more money on your Ford Fusion car insurance by doing any of the five things below:
The Ford Fusion S Sedan has the least expensive insurance at $1392 per year. The SE Sedan is the second-cheapest model to insure at $1440 per year, and the SE AWD is the third cheapest at $1482 per year.
The Ford Fusion Hybrid Special Service Plug-in Sedan, the Hybrid Titanium Sedan, and the Hybrid Titanium Plug-in Sedan are the three most expensive Fusion trim levels to insure at $1728, $1728, and $1770 per year, respectively.
You can find car insurance for a Ford Fusion almost anywhere on the Internet. Finding the cheapest car to insure can be hard, but you can get cheap car insurance. Check out the information we've gathered about how much it costs to insure a Ford Fusion with the major auto insurance companies.
Go to Way.com to compare auto insurance quotes for free online. We'll help you find the best Ford Fusion insurance rates! Simply download the Way.com app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes!
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The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Yes, Ford Fusions are expensive to insure. A Ford Fusion Hybrid costs $219 more annually than a Ford Fusion that isn't a hybrid.
Depending on the trim level, the average cost of insurance for a Ford Fusion is $1599 per year or about $135 per month. Compared to all 2020 midsize cars, the Fusion ranks 11th out of 15 vehicles, putting it in the bottom half.
Standard insurance coverage for a Ford Fusion costs an average of $1599 per year or $1599 per year for standard coverage. There are many things that could change your real insurance cost, such as where you live, your driving record, and your age.
Kemper with an average annual premium of $1404 could be the best choice for your Ford Fusion.
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