- Ford Fusion insurance cost averages $2,202 per year or around $184 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 $1,920 per year. The most expensive is the Hybrid Titanium Plug-in Sedan at $2,440 annually.
How much are Ford Fusion car insurance rates?
For the 2020 model, Ford Fusion insurance rates average $2,202 a year, or about $184 each month. You can expect to pay about $101 more per year to insure a Ford Fusion compared to the midsize cars average rate, and $19 less per year than the $2,221 average for all vehicles.
The following infographic shows how average 2020 Ford Fusion car insurance rates can change based on different driver ages and policy deductible levels.
The image above illustrates two key car insurance concepts:
First, younger drivers pay more for car insurance. This is really kind of common sense, as younger drivers tend to cause more accidents and be less attentive when driving.
A 20-year-old driver can expect to pay around $4,442 per year to insure a 2020 Fusion, while a 40-year-old driver pays only $2,202 per year. This is a difference of $2,240 per year.
This downward trend tends to continue through about age 65, at which point rates start to creep back up. As we age, our reaction times are reduced, and the risk of having an accident increases.
The second concept detailed in the graphic deals with your choice of policy deductible. A low deductible means you have to pay less out-of-pocket if you have a claim. A high deductible means you are willing to shoulder more of the expense to repair your car.
The relationship between car insurance rates and deductibles is an inverse one. This means that as your deductible goes up, the cost of your policy goes down.
In the graphic above, the average 40-year-old driver could save around $646 per year by choosing a $1,000 physical damage coverage deductible rather than a $250 deductible.
Raising your policy deductible is a good way to cut your cost. However, you will need to make sure you have the financial resources available to make repairs if you do have a claim.
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 $2,202 per year to insure, while the category median rate is $2,101 per year, a difference of $101 per year.
When average insurance rates are compared to other midsize cars, insurance for a Ford Fusion costs $152 more per year than the Toyota Camry, $126 more than the Honda Accord, $120 more than the Nissan Altima, and $86 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 | $1,876 | -$326 |
| 2 | Honda Insight | $1,890 | -$312 |
| 3 | Mazda 6 | $1,908 | -$294 |
| 4 | Chevrolet Malibu | $1,938 | -$264 |
| 5 | Toyota Camry | $2,050 | -$152 |
| 6 | Subaru Legacy | $2,062 | -$140 |
| 7 | Volkswagen Passat | $2,070 | -$132 |
| 8 | Honda Accord | $2,076 | -$126 |
| 9 | Nissan Altima | $2,082 | -$120 |
| 10 | Kia Optima | $2,144 | -$58 |
| 11 | Ford Fusion | $2,202 | -- |
| 12 | Volkswagen Arteon | $2,242 | $40 |
| 13 | Tesla Model 3 | $2,288 | $86 |
| 14 | Hyundai Sonata | $2,334 | $132 |
| 15 | Kia 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 vehicle from the 2020 model year. Updated June 26, 2025
What is the cheapest Ford Fusion insurance?
The cheapest insurance for a Ford Fusion is on the S Sedan at $1,920 per year. The second cheapest model is the SE Sedan at $1,982 per year, and the third cheapest trim level to insure is the SE AWD at $2,042 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 $2,378, $2,378, and $2,440 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 | $1,920 | $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. Updated June 27, 2025
How much does Fusion insurance cost for teen drivers?
Average Ford Fusion car insurance rates for teenagers range from $6,246 to $8,019 for male drivers and $5,252 to $7,483 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 $2,100 per year, or about $175 per month. Rates range from $1,924 per year for the Fusion S Sedan to $2,278 for the Fusion Sport AWD.
| 2019 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,924 | $160 |
| SE Sedan | $1,982 | $165 |
| Hybrid SE Sedan | $1,986 | $166 |
| SE AWD | $2,040 | $170 |
| SEL Sedan | $2,040 | $170 |
| Hybrid Police Responder Sedan | $2,086 | $174 |
| Hybrid SEL Sedan | $2,086 | $174 |
| SEL AWD | $2,100 | $175 |
| Hybrid Special Service Plug-in Sedan | $2,144 | $179 |
| Hybrid Titanium Sedan | $2,144 | $179 |
| Titanium Sedan | $2,160 | $180 |
| Hybrid Titanium Plug-in Sedan | $2,204 | $184 |
| Titanium AWD | $2,218 | $185 |
| Sport AWD | $2,278 | $190 |
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 June 26, 2025
2018 Ford Fusion Insurance Rates
2018 Ford Fusion insurance rates average $2,006 per year, or around $167 per month. Cost ranges from $1,842 per year for the Fusion S Sedan to $2,168 for the Fusion Hybrid Platinum Plug-in Sedan.
| 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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025
2017 Ford Fusion Car Insurance Rates
A 2017 Ford Fusion averages $1,936 per year for full coverage insurance, or around $161 per month. Rates range from $1,778 per year for the Fusion S Sedan to $2,090 for the Fusion Hybrid Platinum Plug-in Sedan.
| 2017 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,778 | $148 |
| SE Sedan | $1,778 | $148 |
| Hybrid S Sedan | $1,790 | $149 |
| Hybrid SE Sedan | $1,844 | $154 |
| SE AWD Sedan | $1,884 | $157 |
| Hybrid Titanium Sedan | $1,932 | $161 |
| Titanium AWD Sedan | $1,936 | $161 |
| Titanium Sedan | $1,936 | $161 |
| Hybrid SE Luxury Plug-in Sedan | $1,986 | $166 |
| Hybrid Titanium Plug-in Sedan | $1,986 | $166 |
| Sport AWD Sedan | $1,988 | $166 |
| Hybrid Platinum Sedan | $2,038 | $170 |
| Platinum AWD Sedan | $2,040 | $170 |
| Platinum Sedan | $2,040 | $170 |
| Hybrid Platinum Plug-in Sedan | $2,090 | $174 |
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 June 27, 2025
2016 Ford Fusion Insurance Rates
Average insurance cost for a 2016 Ford Fusion is $1,684 per year, or around $140 per month. Rates range from $1,588 per year for the Fusion Hybrid S Sedan to $1,764 for the Fusion Hybrid Titanium Plug-in Sedan.
| 2016 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Hybrid S Sedan | $1,588 | $132 |
| S Sedan | $1,588 | $132 |
| Hybrid SE Sedan | $1,636 | $136 |
| SE Sedan | $1,636 | $136 |
| SE AWD Sedan | $1,682 | $140 |
| Hybrid Titanium Sedan | $1,716 | $143 |
| Titanium AWD Sedan | $1,732 | $144 |
| Titanium Sedan | $1,732 | $144 |
| Hybrid SE Luxury Plug-in Sedan | $1,764 | $147 |
| Hybrid Titanium Plug-in Sedan | $1,764 | $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 June 27, 2025
2015 Ford Fusion Insurance Rates
Insurance rates average $1,624 per year for a 2015 Ford Fusion, or around $135 per month. Rates range from $1,512 per year for the Fusion S Sedan to $1,752 for the Fusion Hybrid Titanium Plug-in Sedan.
| 2015 Ford Fusion Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S Sedan | $1,512 | $126 |
| SE Sedan | $1,512 | $126 |
| SE AWD Sedan | $1,560 | $130 |
| Hybrid S Sedan | $1,620 | $135 |
| Hybrid SE Sedan | $1,620 | $135 |
| Titanium AWD Sedan | $1,648 | $137 |
| Titanium Sedan | $1,648 | $137 |
| Hybrid Titanium Sedan | $1,664 | $139 |
| Hybrid SE Luxury Plug-in Sedan | $1,708 | $142 |
| Hybrid Titanium Plug-in Sedan | $1,752 | $146 |
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 June 27, 2025
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 $278 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 $216 per year for a 40-year-old driver and $414 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 $226 per year for a 40-year-old driver and $440 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 $49 and $154 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 $794 per year for a 30-year-old driver and even as much as $430 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 $438 per year. So be a good driver and save!
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.