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Pay as low as $50 per month for Ford Fusion insurance rates when you enroll in liability-only coverage. However, teen driver insurance will cost $454 per month. You can save up to $615 per year on policy discounts which slows down expensive teen driver insurance rates. Continue reading to learn how you can save money on Ford Fusion insurance rates.
You can start comparing quotes for Ford Fusion auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Table of Contents
The average Ford Fusion auto insurance costs are $1,492 a year or $124 a month.
The chart below details how Ford Fusion insurance rates compare to other sedans like the Kia Optima, Buick Regal, and Honda Civic.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Kia Optima | $322 | $532 | $420 | $1,454 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Nissan Maxima | $372 | $630 | $390 | $1,550 |
| Nissan Sentra | $254 | $570 | $390 | $1,372 |
| Chevrolet Blazer | $376 | $688 | $316 | $1,516 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
The Ford Fusion trim and model you choose can impact the total price you will pay for Ford Fusion insurance coverage.
The average Ford Fusion auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Ford Fusion are $1,492, while the 2010 Ford Fusion rates 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 |
Driver age can have a significant impact on Ford Fusion auto insurance rates. For instance, a 30-year-old driver may pay $66 more each year for Ford Fusion auto insurance than a 40-year-old driver.
Where you live can have a large impact on Ford Fusion insurance rates. For example, drivers in Phoenix may pay $820 a year less than drivers in Los Angeles.
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 auto insurance with violations on their driving record.
Your Ford Fusion auto insurance rates are influenced by 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 | |
Ford Fusion crash test ratings can impact the cost of your Ford Fusion auto 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 | ||||
|---|---|---|---|---|
The Ford Fusion safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Ford Fusion auto insurance rates. The Ford Fusion’s safety features include:
The lower percentage means lower Ford Fusion auto insurance rates; higher percentages mean higher Ford Fusion auto insurance rates. The Ford Fusion’s insurance loss probability varies for each form of coverage.
| 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 | |
If you are financing a Ford Fusion, most lenders will require your carry higher Ford Fusion coverages including comprehensive coverage, so be sure to compare Ford Fusion auto insurance rates from the best companies using our FREE tool below.
Although it may seem like your Ford Fusion auto insurance rates are set, there are a few measures that you can take to secure the best Ford Fusion auto insurance rates possible. Take a look at the following five ways to save on Ford Fusion auto insurance.
The best auto insurance companies for Ford Fusion auto insurance rates will offer competitive rates, discounts, and account for the Ford Fusion’s safety features. The following list of auto 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 | |||
Save money by comparing Ford Fusion insurance rates with free quotes online now!
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