Key Takeaways
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.
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.
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 |
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:
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.
| 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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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.
| 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 |
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 |
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 Ford Fusion has for safety:
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 |
You can save more Ford Fusion car insurance cost by doing any of the five things below:
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!
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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
Way.com’s Insurance Broker Quote Data
Yes, Ford Fusions are expensive to insure. A Ford Fusion Hybrid costs $219 more annually than a Ford Fusion that isn't a hybrid.
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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