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Ford Fusion Car Insurance

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Key Takeaways

  • The average cost of insurance for a Ford Fusion is $1599 per year or about $135 per month.
  • Compare car insurance rates with Way.com to save $971 per year on your Ford Fusion.
  • A Ford Fusion Hybrid costs $219 more annually than a Ford Fusion that isn't a hybrid.

Ford Fusion Car Insurance Cost

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.

Are Ford Fusions Expensive to Insure?

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

What Impacts the Cost of Ford Fusion Car Insurance?

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.

Age of the Vehicle

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

Driver Age

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.

Age of Driver Average Annual Rate
Age 20 $3393
Age 30 $1572
Age 40 $1515
Age 50 $1378
Age 60 $1353

Driver Location

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 Driving Record

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.

How much is 2019 Ford Fusion insurance?

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.

How much is 2018 Ford Fusion insurance?

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.

How much is the 2017 Ford Fusion insurance?

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.

How much is 2016 Ford Fusion insurance?

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.

How much is the 2015 Ford Fusion insurance?

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.

See what you could save on auto insurance

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 2020 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:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good

Ford Fusion Vehicle Specifications

The Ford Fusion has many safety features that can help you get a lower insurance premium.

The following safety features are built into it:

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

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.

Ford Fusion Car Insurance Loss Probability

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%

Ways to Save on Ford Fusion Car Insurance

  • When there are more discounts, insurance rates for a Ford Fusion 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 money on your Ford Fusion car insurance 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
  • Ask for a discount.

See what you could save on auto insurance

Bottom Line

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.

How to get Ford Fusion Car Insurance with Way.com

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!

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!

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

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.

How much is insurance for a Ford Fusion?

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.

What is the Ford Fusion liability insurance rate?

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.

Which is the best insurance for my Ford Fusion car?

Kemper with an average annual premium of $1404 could be the best choice for your Ford Fusion.

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