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Key Takeaways
- Ford Fusion is affordable to insure, with an average annual cost of $1,828—lower than the national average for mid-size cars.
- Insurance rates vary by model year and provider, with companies like Erie and Texas Farm Bureau often offering the cheapest premiums.
- Safe driving and vehicle safety features like airbags and lane assist can significantly reduce your Ford Fusion insurance rates.
The Ford Fusion is a mid-size car designed for daily use and family-friendly driving. Since it's built with budget-conscious drivers in mind, the Ford Fusion auto insurance cost is also manageable. You can compare different insurance companies to find the one that best suits you. We'll help you find the best Ford Fusion insurance quotes; also, read on for all the details related to its insurance.
Ford Fusion Auto Insurance Cost
The average annual Ford Fusion car insurance cost is $1,828. Compared to other mid-size cars, the Ford Fusion is comparatively affordable to insure. The average monthly insurance cost of this car is $152. Browse different types of car insurance and choose the best one for your Ford Fusion.
Are Ford Fusion Models Expensive to Insure?
Compared to other mid-size cars, the Ford Fusion is less expensive to insure. Compared to the national average of $2,290, the Ford Fusion is more affordable than most of its competitors.
Fusion comes second in the lowest insurance rates table with just $1,828, while Nissan Altima comes first with $1,824. Still, it's not a big difference.
| Car Model | Average Annual Insurance Cost |
|---|---|
| Nissan Altima | $1,824 |
| Ford Fusion | $1,828 |
| Honda Accord | $2,206 |
| Toyota Camry | $2,378 |
| National avg. (full coverage) | $2,290 |
What Impacts the Ford Fusion Car Insurance Cost?
Car insurance rates are reliant on several factors other than the model years or trim. Furthermore, driving-related aspects are just another factor among many that affect the insurance rates of Ford Fusion.
We'll list out the factors that impact the cost of Ford Fusion car insurance:
- Age of the car
- Age of the driver
- Location of the driver
- Driving record
Cheapest Companies Based on Ford Fusion Model Years
2020 Ford Fusion
Comparing the 2020 Ford Fusion insurance rates, Vermont Mutual offers the most affordable premium for just $1,176. Furthermore, Southern Farm Bureau is on the pricier end, with a premium starting from $1,592. Find low-cost car insurance deals in the table below.
| Company | Annual Rate |
|---|---|
| Vermont Mutual | $1,176 |
| Erie | $1,218 |
| Nationwide | $1,225 |
| Tennessee Farmers | $1,317 |
| American Family | $1,348 |
| Arbella | $1,431 |
| Country | $1,474 |
| Mercury | $1,494 |
| USAA | $1,546 |
| 21st Century | $1,560 |
| Southern Farm Bureau | $1,592 |
2019 Ford Fusion
The average cost to insure the 2019 Ford Fusion is $1,784. While Erie provides the most affordable insurance for the Ford Fusion at $1,093, Acuity has the costliest annual premium at $1,530.
| Company | Annual Rate |
|---|---|
| Erie | $1,093 |
| Cincinnati Insurance | $1,142 |
| Auto-Owners | $1,223 |
| Nationwide | $1,306 |
| USAA | $1,403 |
| American Family | $1,421 |
| Country | $1,442 |
| Arbella | $1,458 |
| Mercury | $1,463 |
| Tennessee Farmers | $1,518 |
| Acuity | $1,530 |
2018 Ford Fusion
While looking at the list of the lowest 2018 Ford Fusion auto insurance costs, Erie comes first with a premium of just $846. The annual Ford Fusion car insurance cost is $1,272, and Country has the costliest premium at an annual auto insurance cost of $1,350.
| Company | Annual Rate |
|---|---|
| Erie | $846 |
| Progressive | $968 |
| USAA | $991 |
| Tennessee Farmers | $1,033 |
| State Farm | $1,141 |
| Nationwide | $1,146 |
| Plymouth Rock Insurance | $1,170 |
| Vermont Mutual | $1,195 |
| Acuity | $1,221 |
| Mercury | $1,344 |
| Country | $1,350 |
2017 Ford Fusion
For the 2017 Ford Fusion model, USAA offers the least cost premium at $741. Furthermore, the Country has the lowest premium at $1,256. The average annual Ford Fusion auto insurance cost of this model is $1,049.
| Company | Annual Rate |
|---|---|
| USAA | $741 |
| Progressive | $767 |
| Erie | $768 |
| State Farm | $872 |
| Tennessee Farmers | $1,018 |
| Nationwide | $1,022 |
| Plymouth Rock Insurance | $1,125 |
| Vermont Mutual | $1,138 |
| Acuity | $1,200 |
| American Family | $1,255 |
| Country | $1,256 |
2016 Ford Fusion
With an average annual Ford Fusion insurance cost of $1,143 for the 2016 model, it is cheapest to insure through Texas Farm Bureau at $846 annually. Tennessee Farmers offers the highest Ford Fusion car insurance quote at $1,291 per year.
| Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $846 |
| Vermont Mutual | $950 |
| Erie | $1,042 |
| Quincy Mutual | $1,059 |
| Nationwide | $1,113 |
| USAA | $1,171 |
| American Family | $1,205 |
| State Farm | $1,269 |
| Country | $1,270 |
| Arbella | $1,287 |
| Tennessee Farmers | $1,291 |
2015 Ford Fusion
USAA offers the most affordable insurance premium for the 2015 Ford Fusion at $798. Furthermore, Nationwide is the costliest option, with a premium starting from $1,125.
| Company | Annual Rate |
|---|---|
| USAA | $798 |
| Erie | $804 |
| Texas Farm Bureau | $824 |
| Progressive | $906 |
| State Farm | $956 |
| Vermont Mutual | $984 |
| Tennessee Farmers | $1,002 |
| Quincy Mutual | $1,035 |
| Plymouth Rock Insurance | $1,057 |
| Acuity | $1,090 |
| Nationwide | $1,125 |
2014 Ford Fusion
The cheapest option for a 2014 Ford Fusion is Erie, offering coverage at just $734 per year. On the higher end, Country charges the most, with an annual premium of $1,137.
| Company | Annual Rate |
|---|---|
| Erie | $734 |
| Texas Farm Bureau | $777 |
| USAA | $798 |
| Vermont Mutual | $928 |
| Progressive | $930 |
| Tennessee Farmers | $977 |
| Quincy Mutual | $1,007 |
| State Farm | $1,027 |
| Plymouth Rock Insurance | $1,033 |
| Acuity | $1,040 |
| Country | $1,137 |
2013 Ford Fusion
Texas Farm Bureau offers the most affordable auto insurance rate, $743 per year, for the 2013 Ford Fusion. Arbella offers the highest annual rate, $1,109.
| Company | Annual Rate |
|---|---|
| Texas Farm Bureau | $743 |
| Erie | $778 |
| USAA | $854 |
| Vermont Mutual | $896 |
| Tennessee Farmers | $964 |
| Quincy Mutual | $979 |
| Plymouth Rock Insurance | $1,003 |
| Progressive | $1,008 |
| Acuity | $1,009 |
| State Farm | $1,032 |
| Arbella | $1,109 |
2012 Ford Fusion
The average annual insurance cost for the 2012 Ford Fusion is $938. Furthermore, Erie offers the cheapest coverage at just $682 per year. On the higher side, Nationwide charges the most, with an annual premium of $1,067. Compare customer-rated insurers in the table below to find the best carrier suits your budget.
| Company | Annual Rate |
|---|---|
| Erie | $682 |
| Texas Farm Bureau | $697 |
| USAA | $761 |
| Vermont Mutual | $814 |
| State Farm | $901 |
| Tennessee Farmers | $912 |
| Progressive | $925 |
| Quincy Mutual | $955 |
| Acuity | $984 |
| Plymouth Rock Insurance | $993 |
| Nationwide | $1,067 |
2011 Ford Fusion
Erie offers the lowest rate, at $656 per year, while American Family is on the costlier side, with an annual premium of $1,017.
| Company | Annual Rate |
|---|---|
| Erie | $656 |
| Texas Farm Bureau | $667 |
| USAA | $742 |
| Vermont Mutual | $750 |
| Progressive | $875 |
| Tennessee Farmers | $876 |
| Arbella | $911 |
| Quincy Mutual | $930 |
| State Farm | $939 |
| Plymouth Rock Insurance | $972 |
| American Family | $1,017 |
Ford Fusion Crash Test Ratings
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 |
Ford Fusion Safety Features
The Ford Fusion has many safety features that help keep insurance rates low.
This is what the Ford Fusion has for safety:
- 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 Safety Ratings
Your Ford Fusion car insurance rates depend on how safe the car is.
Look at the list below to know about the ratings:
| Test Type | Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
Ways to Save on Ford Fusion Car Insurance
- When there are more discounts, Ford Fusion auto insurance rates are lower.
- Raising deductibles makes insurance more affordable. Conversely, low deductibles make insurance more expensive.
- Because of your job, you should save money. Some car insurance companies offer discounts to people with certain jobs, like firefighters, scientists, high school and elementary school teachers, accountants, nurses, and others. Depending on how old you are, you could save between $38 and $120 on your car insurance if you qualify for this discount for your job.
- If you drive carefully, you'll pay less. However, if you cause too many accidents, your rates could go up by as much as $592 per year for a driver aged 30 and $408 per year for a driver aged 60.
- A good driving record means cheaper rates. So, to get the best Fusion insurance rates, it makes sense to be a safe driver. One or two minor traffic tickets could make a policy more expensive by up to $338 per year. So, drive well and save money!
How do I find the best Ford Fusion car insurance rates?
You can save more Ford Fusion car insurance cost by doing any of the five things below:
- Talk to your credit card company if you want to save money on car rental costs.
- Think about how much Ford Fusion insurance will cost before you buy one.
- Make fewer changes to your Ford Fusion.
- Don't Always Choose the Least Expensive Ford Fusion Insurance Plan
- Start comparing plans for your ZIP code
- Ask for a discount.
How to get Ford Fusion Car Insurance with Way.com
You can find Ford Fusion auto insurance rates 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 Ford Fusion insurance quotes for free online. We'll help you find the best Ford Fusion insurance rates! Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes!
Compare offers from more than 200 different insurance providers on our platform, which lets you choose the best policy for your Ford Fusion- all in a jiffy!
Explore Other Ford Models
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
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
DATA SOURCES
Way.com’s Insurance Broker Quote Data
FAQ
Are Ford Fusions expensive to insure?
Yes, Ford Fusions are expensive to insure. A Ford Fusion Hybrid costs $219 more annually than a Ford Fusion that isn't a hybrid.
What is the Ford Fusion liability insurance rate?
Standard insurance coverage for a Ford Fusion costs an average of $$1,828per year or $1,828 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.
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