- Ford Fusion insurance cost averages $1,784 per year or around $149 per month, depending on the trim level.
- When compared to the entire 2020 midsize car segment, the Fusion ranks in the bottom half at 11th out of 15 total comparison vehicles.
- The cheapest Fusion insurance is on the S Sedan trim level at an estimated $1,556 per year. The most expensive is the Hybrid Titanium Plug-in Sedan at $1,978 annually.
How much are Ford Fusion car insurance rates?
For the 2020 model, Ford Fusion insurance rates average $1,784 a year, or about $149 each month. You can expect to pay about $82 more per year to insure a Ford Fusion compared to the midsize cars average rate, and $99 less per year than the $1,883 average for all vehicles.
The following chart shows how average 2020 Ford Fusion car insurance rates can change based on different driver ages and policy deductible levels.
To illustrate some of the variability in auto insurance rates, if we included all rates for every possible combination of factors, including all 12 Fusion trim levels and all 42,000 zip codes in the U.S., the resulting chart would have around 1,161,216,000,000 different possible insurance rates for a Ford Fusion.
Insuring a Ford Fusion for only liability insurance in some parts of Vermont or North Carolina may be as low as $225 a year, while car insurance for a 16-year-old driver with an accident and a few violations in certain areas of New York City may be as much as $15,311 a year for a policy with full coverage.
To help you navigate through the 1.1 trillion or so possible rates, we recommend you just get a quote. It will save a lot of time for sure.
How does Ford Fusion car insurance rank?
The Ford Fusion ranks 11th out of 15 total vehicles in the 2020 midsize car category. It costs an average of $1,784 per year to insure, while the category median rate is $1,702 per year, a difference of $82 per year.
When average insurance rates are compared to other midsize cars, insurance for a Ford Fusion costs $124 more per year than the Toyota Camry, $106 more than the Honda Accord, $96 more than the Nissan Altima, and $72 less than the Tesla Model 3.
The table below shows how car insurance cost for a Ford Fusion ranks when compared to all other midsize cars (excluding luxury midsize cars).
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Buick Regal | $1,520 | -$264 |
| 2 | Honda Insight | $1,522 | -$262 |
| 3 | Mazda 6 | $1,548 | -$236 |
| 4 | Chevrolet Malibu | $1,570 | -$214 |
| 5 | Toyota Camry | $1,660 | -$124 |
| 6 | Subaru Legacy | $1,672 | -$112 |
| 7 | Volkswagen Passat | $1,676 | -$108 |
| 8 | Honda Accord | $1,678 | -$106 |
| 9 | Nissan Altima | $1,688 | -$96 |
| 10 | Kia Optima | $1,736 | -$48 |
| 11 | Ford Fusion | $1,784 | -- |
| 12 | Volkswagen Arteon | $1,818 | $34 |
| 13 | Tesla Model 3 | $1,856 | $72 |
| 14 | Hyundai Sonata | $1,892 | $108 |
| 15 | Kia Stinger | $1,908 | $124 |
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 vehicle from the 2020 model year. Updated February 23, 2024
What is the cheapest Ford Fusion insurance?
The cheapest insurance for a Ford Fusion is on the S Sedan at $1,556 per year. The second cheapest model is the SE Sedan at $1,604 per year, and the third cheapest trim level to insure is the SE AWD at $1,656 per year.
In the upper range of insurance cost, the three highest cost Fusion trim levels to insure are the Ford Fusion Hybrid Special Service Plug-in Sedan, the Hybrid Titanium Sedan, and the Hybrid Titanium Plug-in Sedan trim levels at $1,928, $1,928, and $1,978 per year, respectively.
The rate table below details the average annual and 6-month auto insurance costs, including a monthly insurance rate, for each 2020 Ford Fusion model.
| 2020 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,556 | $130 |
| SE Sedan | $1,604 | $134 |
| SE AWD | $1,656 | $138 |
| SEL Sedan | $1,656 | $138 |
| Titanium Sedan | $1,756 | $146 |
| Hybrid SE Sedan | $1,792 | $149 |
| Titanium AWD | $1,806 | $151 |
| Hybrid Police Respsponder Sedan | $1,878 | $157 |
| Hybrid SEL Sedan | $1,878 | $157 |
| Hybrid Special Service Plug-in Sedan | $1,928 | $161 |
| Hybrid Titanium Sedan | $1,928 | $161 |
| Hybrid Titanium Plug-in Sedan | $1,978 | $165 |
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. Updated February 23, 2024
How much does Fusion insurance cost for teen drivers?
Average Ford Fusion car insurance rates for teenagers range from $5,061 to $6,500 for male drivers and $4,254 to $6,064 for female drivers.
Teenage drivers (ages 16-19) have the most expensive car insurance rates due to their lack of experience and tendency to get into accidents.
The chart below shows average car insurance rates for both male and female teen drivers on a 2020 Ford Fusion insured for full coverage.
Why is Ford Fusion insurance so high?
The reason Ford Fusion insurance is so expensive when compared to other similar models is primarily due to the extra cost of liability insurance. The Ford Fusion tends to have above-average liability insurance claims, especially for personal injury and bodily injury claims.
The hybrid model tends to also have much higher than average collision and property damage claim amounts. No Fusion model has better than average overall loss experience for the data available for 2017-19.
As shown in the previous chart for average insurance cost for teenage drivers, if you happen to be insuring a teen on a Fusion, it’s going to be quite expensive. That’s not exclusive to the Fusion, however, as insuring any vehicle with a teenager as the primary driver will be considerably more expensive than insuring an older, more experienced driver.
Is Ford Fusion Hybrid car insurance more expensive?
Yes. The cost to insure a Ford Fusion Hybrid model over a non-hybrid model averages $202 per year more. The average car insurance rate for non-hybrid versions is $1,514 per year, while the average hybrid insurance rate is $1,716 per year.
Ford Fusion prior model year insurance rates
The following sections detail average Ford Fusion insurance rates for every trim level for the 2013 to 2019 model years. The Fusion was discontinued after the 2020 model year.
2019 Ford Fusion Car Insurance Rates
Insurance rates for a 2019 Ford Fusion average $1,702 per year, or about $142 per month. Rates range from $1,556 per year for the Fusion S Sedan to $1,846 for the Fusion Sport AWD.
| 2019 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,556 | $130 |
| SE Sedan | $1,604 | $134 |
| Hybrid SE Sedan | $1,606 | $134 |
| SE AWD | $1,652 | $138 |
| SEL Sedan | $1,652 | $138 |
| Hybrid Police Responder Sedan | $1,688 | $141 |
| Hybrid SEL Sedan | $1,688 | $141 |
| SEL AWD | $1,700 | $142 |
| Hybrid Special Service Plug-in Sedan | $1,736 | $145 |
| Hybrid Titanium Sedan | $1,736 | $145 |
| Titanium Sedan | $1,748 | $146 |
| Hybrid Titanium Plug-in Sedan | $1,784 | $149 |
| Titanium AWD | $1,798 | $150 |
| Sport AWD | $1,846 | $154 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2018 Ford Fusion Insurance Rates
2018 Ford Fusion insurance rates average $1,626 per year, or around $136 per month. Cost ranges from $1,492 per year for the Fusion S Sedan to $1,758 for the Fusion Hybrid Platinum Plug-in Sedan.
| 2018 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,492 | $124 |
| SE Sedan | $1,492 | $124 |
| Hybrid S Sedan | $1,500 | $125 |
| Hybrid SE Sedan | $1,544 | $129 |
| SE AWD Sedan | $1,582 | $132 |
| Hybrid Titanium Sedan | $1,622 | $135 |
| Titanium AWD Sedan | $1,628 | $136 |
| Titanium Sedan | $1,628 | $136 |
| Hybrid SE Luxury Plug-in Sedan | $1,666 | $139 |
| Hybrid Titanium Plug-in Sedan | $1,666 | $139 |
| Sport AWD Sedan | $1,674 | $140 |
| Hybrid Platinum Sedan | $1,712 | $143 |
| Platinum AWD Sedan | $1,718 | $143 |
| Platinum Sedan | $1,718 | $143 |
| Hybrid Platinum Plug-in Sedan | $1,758 | $147 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2017 Ford Fusion Car Insurance Rates
A 2017 Ford Fusion averages $1,568 per year for full coverage insurance, or around $131 per month. Rates range from $1,440 per year for the Fusion S Sedan to $1,694 for the Fusion Hybrid Platinum Plug-in Sedan.
| 2017 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,440 | $120 |
| SE Sedan | $1,440 | $120 |
| Hybrid S Sedan | $1,450 | $121 |
| Hybrid SE Sedan | $1,494 | $125 |
| SE AWD Sedan | $1,524 | $127 |
| Hybrid Titanium Sedan | $1,566 | $131 |
| Titanium AWD Sedan | $1,566 | $131 |
| Titanium Sedan | $1,566 | $131 |
| Hybrid SE Luxury Plug-in Sedan | $1,608 | $134 |
| Hybrid Titanium Plug-in Sedan | $1,608 | $134 |
| Sport AWD Sedan | $1,610 | $134 |
| Hybrid Platinum Sedan | $1,650 | $138 |
| Platinum AWD Sedan | $1,652 | $138 |
| Platinum Sedan | $1,652 | $138 |
| Hybrid Platinum Plug-in Sedan | $1,694 | $141 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2016 Ford Fusion Insurance Rates
Average insurance cost for a 2016 Ford Fusion is $1,362 per year, or around $114 per month. Rates range from $1,284 per year for the Fusion Hybrid S Sedan to $1,430 for the Fusion Hybrid Titanium Plug-in Sedan.
| 2016 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Hybrid S Sedan | $1,284 | $107 |
| S Sedan | $1,284 | $107 |
| Hybrid SE Sedan | $1,324 | $110 |
| SE Sedan | $1,324 | $110 |
| SE AWD Sedan | $1,364 | $114 |
| Hybrid Titanium Sedan | $1,390 | $116 |
| Titanium AWD Sedan | $1,402 | $117 |
| Titanium Sedan | $1,402 | $117 |
| Hybrid SE Luxury Plug-in Sedan | $1,430 | $119 |
| Hybrid Titanium Plug-in Sedan | $1,430 | $119 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
2015 Ford Fusion Insurance Rates
Insurance rates average $1,316 per year for a 2015 Ford Fusion, or around $110 per month. Rates range from $1,226 per year for the Fusion S Sedan to $1,420 for the Fusion Hybrid Titanium Plug-in Sedan.
| 2015 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,226 | $102 |
| SE Sedan | $1,226 | $102 |
| SE AWD Sedan | $1,264 | $105 |
| Hybrid S Sedan | $1,312 | $109 |
| Hybrid SE Sedan | $1,312 | $109 |
| Titanium AWD Sedan | $1,334 | $111 |
| Titanium Sedan | $1,334 | $111 |
| Hybrid Titanium Sedan | $1,348 | $112 |
| Hybrid SE Luxury Plug-in Sedan | $1,384 | $115 |
| Hybrid Titanium Plug-in Sedan | $1,420 | $118 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated February 23, 2024
Additional Rates and Information
Some additional rates and special tips how you can save money on Fusion insurance:
- More discounts mean cheaper Ford Fusion insurance rates. Discounts may be available if the insureds are claim-free, are accident-free, sign their policy early, insure multiple vehicles on the same policy, or many other discounts which could save the average driver as much as $224 per year on the cost of insuring a Fusion.
- Raising deductibles makes insurance more affordable. Raising deductibles from $500 to $1,000 could save around $176 per year for a 40-year-old driver and $338 per year for a 20-year-old driver.
- Low deductibles make insurance more expensive. Dropping your deductibles from $500 to $250 could cost an additional $182 per year for a 40-year-old driver and $356 per year for a 20-year-old driver.
- Save money due to your profession. Some car insurance companies offer discounts for specific occupations like firefighters, scientists, high school and elementary teachers, accountants, nurses, and others. If you qualify for this occupational discount, you could save between $39 and $125 on your car insurance bill, depending on your age.
- Be a careful driver and pay less. Too many at-fault accidents will increase rates, potentially as much as $642 per year for a 30-year-old driver and even as much as $348 per year for a 60-year-old driver.
- A good driving record means cheaper rates. In order to get the best Fusion insurance rates, it makes good sense to be a safe driver. As a matter of fact, just one or two minor traffic citations could possibly increase the price of a policy by up to $354 per year. So be a good driver and save!
About the Author
During his career as an independent insurance agent, Ryan Grabenstein was appointed with Progressive, Allstate, Nationwide, Travelers, and many smaller regional and mutual companies. He has a Bachelor's degree in Finance from the University of Nebraska at Lincoln and Certified Insurance Counselor (CIC) personal and commercial lines training.