Ford Fusion Car Insurance Rates for 2023

We looked at average insurance rates from the S Sedan model to the Hybrid Titanium Plug-in Sedan trim to discover how insurance for a Fusion sizes up to the entire midsize car segment.

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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 $87 more per year to insure a Ford Fusion compared to the midsize cars average rate, and $56 more per year than the $1,728 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.

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Chart Data Details: Chart shows average insurance cost for a 2020 Ford Fusion with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Ford Fusion trim levels.Data last updated on August 12, 2023
Ford Fusion Insurance Cost Summary
2020 Ford Fusion Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,062$255
$500$3,552$296
$250$4,068$339
30$1,000$1,588$132
$500$1,862$155
$250$2,146$179
40$1,000$1,532$128
$500$1,784$149
$250$2,044$170
50$1,000$1,402$117
$500$1,628$136
$250$1,862$155
60$1,000$1,372$114
$500$1,594$133
$250$1,826$152

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 $15,574 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 $1,697 per year, a difference of $87 per year.

When average insurance rates are compared to other midsize cars, insurance for a Ford Fusion costs $132 more per year than the Toyota Camry, $110 more than the Honda Accord, $100 more than the Nissan Altima, and $58 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).

Insurance Cost Comparison: Ford Fusion vs Midsize Cars
Rank Make/Model Insurance Cost Difference
1Buick Regal$1,514-$270
2Honda Insight$1,522-$262
3Mazda 6$1,540-$244
4Chevrolet Malibu$1,570-$214
5Toyota Camry$1,652-$132
6Subaru Legacy$1,668-$116
7Honda Accord$1,674-$110
8Volkswagen Passat$1,674-$110
9Nissan Altima$1,684-$100
10Kia Optima$1,734-$50
11Ford Fusion$1,784--
12Volkswagen Arteon$1,810$26
13Tesla Model 3$1,842$58
14Hyundai Sonata$1,894$110
15Kia Stinger$1,898$114

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2020 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 2023
Insurance Cost Comparison: Ford Fusion vs Midsize Cars

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 $1,652 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 $1,930,  $1,930, 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 Insurance Cost by Trim Level
Ford Fusion Trim Level Annual Policy Six-Month Policy Per Month
S Sedan$1,556$778$130
SE Sedan$1,604$802$134
SE AWD$1,652$826$138
SEL Sedan$1,652$826$138
Titanium Sedan$1,752$876$146
Hybrid SE Sedan$1,796$898$150
Titanium AWD$1,800$900$150
Hybrid Police Respsponder Sedan$1,880$940$157
Hybrid SEL Sedan$1,880$940$157
Hybrid Special Service Plug-in Sedan$1,930$965$161
Hybrid Titanium Sedan$1,930$965$161
Hybrid Titanium Plug-in Sedan$1,978$989$165

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Ford Fusion, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
Ford Fusion Insurance Cost by Trim Level

How much does Fusion insurance cost for teen drivers?

Average Ford Fusion car insurance rates for teenagers range from $5,108 to $6,582 for male drivers and $4,546 to $5,806 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.

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Chart Data Details: Teenage driver rates are for a 2020 model year Ford Fusion with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Ford Fusion trim levels.Data last updated on August 11, 2023
Ford Fusion Insurance Cost for Teenage Drivers
Ford Fusion Insurance Cost for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$6,582$6,104$5,684$5,108
Female$5,806$5,454$4,930$4,546

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 $2,022 per year, or about $169 per month. Rates range from $1,850 per year for the Fusion S Sedan to $2,190 for the Fusion Sport AWD.

2019 Ford Fusion Insurance Cost by Trim Level
2019 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,566$131
SE Sedan$1,614$135
Hybrid SE Sedan$1,624$135
SE AWD$1,662$139
SEL Sedan$1,662$139
Hybrid Police Responder Sedan$1,704$142
Hybrid SEL Sedan$1,704$142
SEL AWD$1,708$142
Hybrid Special Service Plug-in Sedan$1,752$146
Hybrid Titanium Sedan$1,752$146
Titanium Sedan$1,756$146
Hybrid Titanium Plug-in Sedan$1,798$150
Titanium AWD$1,802$150
Sport AWD$1,850$154

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Ford Fusion, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2019 Ford Fusion Insurance Cost by Trim Level

2018 Ford Fusion Insurance Rates

2018 Ford Fusion insurance rates average $1,666 per year, or around $139 per month. Cost ranges from $1,528 per year for the Fusion S Sedan to $1,800 for the Fusion Hybrid Platinum Plug-in Sedan.

2018 Ford Fusion Insurance Cost by Trim Level
2018 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,528$127
SE Sedan$1,528$127
Hybrid S Sedan$1,542$129
Hybrid SE Sedan$1,586$132
SE AWD Sedan$1,618$135
Hybrid Titanium Sedan$1,664$139
Titanium AWD Sedan$1,664$139
Titanium Sedan$1,664$139
Hybrid SE Luxury Plug-in Sedan$1,708$142
Hybrid Titanium Plug-in Sedan$1,708$142
Sport AWD Sedan$1,710$143
Hybrid Platinum Sedan$1,754$146
Platinum AWD Sedan$1,754$146
Platinum Sedan$1,754$146
Hybrid Platinum Plug-in Sedan$1,800$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Ford Fusion, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2018 Ford Fusion Insurance Cost by Trim Level

2017 Ford Fusion Car Insurance Rates

A 2017 Ford Fusion averages $1,608 per year for full coverage insurance, or around $134 per month. Rates range from $1,476 per year for the Fusion S Sedan to $1,732 for the Fusion Hybrid Platinum Plug-in Sedan.

2017 Ford Fusion Insurance Cost by Trim Level
2017 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,476$123
SE Sedan$1,476$123
Hybrid S Sedan$1,490$124
Hybrid SE Sedan$1,534$128
SE AWD Sedan$1,560$130
Titanium AWD Sedan$1,602$134
Titanium Sedan$1,602$134
Hybrid Titanium Sedan$1,606$134
Sport AWD Sedan$1,644$137
Hybrid SE Luxury Plug-in Sedan$1,648$137
Hybrid Titanium Plug-in Sedan$1,648$137
Platinum AWD Sedan$1,686$141
Platinum Sedan$1,686$141
Hybrid Platinum Sedan$1,690$141
Hybrid Platinum Plug-in Sedan$1,732$144

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Ford Fusion, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2017 Ford Fusion Insurance Cost by Trim Level

2016 Ford Fusion Insurance Rates

Average insurance cost for a 2016 Ford Fusion is $1,432 per year, or around $119 per month. Rates range from $1,352 per year for the Fusion Hybrid S Sedan to $1,502 for the Fusion Hybrid Titanium Plug-in Sedan.

2016 Ford Fusion Insurance Cost by Trim Level
2016 Ford Fusion Trim Level Annual Rate Per Month
Hybrid S Sedan$1,352$113
S Sedan$1,352$113
Hybrid SE Sedan$1,392$116
SE Sedan$1,392$116
SE AWD Sedan$1,432$119
Hybrid Titanium Sedan$1,460$122
Titanium AWD Sedan$1,474$123
Titanium Sedan$1,474$123
Hybrid SE Luxury Plug-in Sedan$1,502$125
Hybrid Titanium Plug-in Sedan$1,502$125

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Ford Fusion, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2016 Ford Fusion Insurance Cost by Trim Level

2015 Ford Fusion Insurance Rates

Insurance rates average $1,386 per year for a 2015 Ford Fusion, or around $116 per month. Rates range from $1,292 per year for the Fusion S Sedan to $1,492 for the Fusion Hybrid Titanium Plug-in Sedan.

2015 Ford Fusion Insurance Cost by Trim Level
2015 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,292$108
SE Sedan$1,292$108
SE AWD Sedan$1,330$111
Hybrid S Sedan$1,380$115
Hybrid SE Sedan$1,380$115
Titanium AWD Sedan$1,404$117
Titanium Sedan$1,404$117
Hybrid Titanium Sedan$1,418$118
Hybrid SE Luxury Plug-in Sedan$1,454$121
Hybrid Titanium Plug-in Sedan$1,492$124

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Ford Fusion, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 12, 2023
2015 Ford Fusion Insurance Cost by Trim Level

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 $238 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 $178 per year for a 40-year-old driver and $344 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 $184 per year for a 40-year-old driver and $362 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 $42 and $130 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 $442 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 $368 per year. So be a good driver and save!