2018 Ford Fusion Car Insurance Calculator

Discover and learn how decisions you make influence insurance rates for a 2018 Ford Fusion. Experiment with credit rating, policy coverages, liability limits, and coverage deductibles to see the impact on rates. Know immediately if rates get cheaper or more expensive and why.

The average estimated car insurance premium for a 2018 Ford Fusion is $2,006 per year, or about $167 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,006

Cost Per Month

$167

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford Fusion Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2018 Ford Fusion.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,006
Average Rate
Your Rate
$2,006

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2018 Ford Fusion trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2018 Ford Fusion is $2,006.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2018 Ford Fusion vs. the Midsize Car Segment

The table below compares insurance rates for the 2018 Ford Fusion against all other models in the midsize car segment. The Ford Fusion is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford Fusion, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford Fusion.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2018 Ford Fusion Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mazda 6$1,692-$314
2Buick Cascada$1,694-$312
3Subaru Legacy$1,782-$224
4Buick Regal$1,792-$214
5Toyota Camry$1,850-$156
6Buick LaCrosse$1,870-$136
7Chevrolet Malibu$1,872-$134
8Volkswagen Passat$1,898-$108
9Honda Accord$1,900-$106
2018 Midsize Car Average$1,901-$105
10Kia Optima$1,934-$72
11Hyundai Sonata$1,986-$20
12Nissan Altima$1,996-$10
13Ford Fusion$2,006--
14Tesla Model 3$2,082$76
15Kia Stinger$2,156$150

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2018 Fusion Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 Ford Fusion.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2018 Ford Fusion Insurance Rates by Trim Level
2018 Ford Fusion Trim Level Annual Premium Cost Per Month
S Sedan$1,842$154
SE Sedan$1,842$154
Hybrid S Sedan$1,850$154
Hybrid SE Sedan$1,906$159
SE AWD Sedan$1,954$163
Hybrid Titanium Sedan$2,002$167
Titanium AWD Sedan$2,010$168
Titanium Sedan$2,010$168
Hybrid SE Luxury Plug-in Sedan$2,056$171
Hybrid Titanium Plug-in Sedan$2,056$171
Sport AWD Sedan$2,066$172
Hybrid Platinum Sedan$2,112$176
Platinum AWD Sedan$2,120$177
Platinum Sedan$2,120$177
Hybrid Platinum Plug-in Sedan$2,168$181

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2018 Ford Fusion for different driver ages.

2018 Ford Fusion Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,302$609
17$7,030$586
18$6,213$518
19$5,687$474
20$4,333$361
21$4,130$344
22$3,684$307
23$3,054$255
24$2,873$239
25$2,330$194
30$2,136$178
35$2,068$172
40$2,006$167
45$1,886$157
50$1,790$149
55$1,668$139
60$1,670$139
65$1,782$149
70$1,944$162
75$2,312$193
80$2,854$238

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford Fusion trim levels.