2020 Ford Fusion Car Insurance Calculator

Learn visually how the choices you make impact the cost of car insurance for a 2020 Ford Fusion. Tailor settings like policy discounts, trim level, and driving violations and watch the impact each has on cost. See instantly how the rate changes based on your selections and learn why rates increased or decreased.

The average estimated car insurance premium for a 2020 Ford Fusion is $2,202 per year, or about $184 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

$2,202

Cost Per Month

$184

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 2020 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.

$2,202
Average Rate
Your Rate
$2,202

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 2020 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 2020 Ford Fusion is $2,202.

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.

2020 Ford Fusion vs. the Midsize Car Segment

The table below compares insurance rates for the 2020 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.

2020 Ford Fusion Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Buick Regal$1,876-$326
2Honda Insight$1,890-$312
3Mazda 6$1,908-$294
4Chevrolet Malibu$1,938-$264
5Toyota Camry$2,050-$152
6Subaru Legacy$2,062-$140
7Volkswagen Passat$2,070-$132
8Honda Accord$2,076-$126
9Nissan Altima$2,082-$120
2020 Midsize Car Average$2,101-$101
10Kia Optima$2,144-$58
11Ford Fusion$2,202--
12Volkswagen Arteon$2,242$40
13Tesla Model 3$2,288$86
14Hyundai Sonata$2,334$132
15Kia Stinger$2,354$152

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.

2020 Fusion Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Ford Fusion Insurance Rates by Trim Level
2020 Ford Fusion Trim Level Annual Premium Cost Per Month
S Sedan$1,920$160
SE Sedan$1,982$165
SE AWD$2,042$170
SEL Sedan$2,042$170
Titanium Sedan$2,168$181
Hybrid SE Sedan$2,210$184
Titanium AWD$2,230$186
Hybrid Police Respsponder Sedan$2,316$193
Hybrid SEL Sedan$2,316$193
Hybrid Special Service Plug-in Sedan$2,378$198
Hybrid Titanium Sedan$2,378$198
Hybrid Titanium Plug-in Sedan$2,440$203

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 2020 Ford Fusion for different driver ages.

2020 Ford Fusion Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,019$668
17$7,720$643
18$6,827$569
19$6,246$521
20$4,755$396
21$4,537$378
22$4,044$337
23$3,350$279
24$3,152$263
25$2,552$213
30$2,340$195
35$2,266$189
40$2,202$184
45$2,068$172
50$1,960$163
55$1,830$153
60$1,836$153
65$1,954$163
70$2,134$178
75$2,538$212
80$3,134$261

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.