Ford Fusion Car Insurance Rates for 2022

How much does Ford Fusion insurance cost? We compare car insurance rates from the base S sedan up to the Hybrid Titanium Plug-in model to find out how prices rank against the competition.

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How much are Ford Fusion car insurance rates?

Ford Fusion insurance rates average $1,584 a year, or about $132 each month. You can expect to pay about $77 more per year to insure a Ford Fusion compared to the midsize cars average rate, and $17 more per year than the $1,567 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.

Get Rates in Your AreaWhy is this important?

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 September 27, 2022
Ford Fusion Insurance Cost Summary
Ford Fusion Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,712$226
$500$3,148$262
$250$3,610$301
30$1,000$1,408$117
$500$1,652$138
$250$1,908$159
40$1,000$1,358$113
$500$1,584$132
$250$1,816$151
50$1,000$1,240$103
$500$1,444$120
$250$1,652$138
60$1,000$1,218$102
$500$1,418$118
$250$1,624$135

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 $14,934 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 #11 out of 15 total vehicles in the 2020 midsize car category. It costs an average of $1,584 per year to insure, while the category median rate is $1,507 per year, a difference of $77 per year.

When average insurance rates are compared to other midsize cars, insurance for a Ford Fusion costs $116 more per year than the Toyota Camry, $100 more than the Honda Accord, $92 more than the Nissan Altima, and $56 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
1Honda Insight$1,348-$236
2Buick Regal$1,350-$234
3Mazda 6$1,370-$214
4Chevrolet Malibu$1,390-$194
5Toyota Camry$1,468-$116
6Subaru Legacy$1,478-$106
7Honda Accord$1,484-$100
8Volkswagen Passat$1,484-$100
9Nissan Altima$1,492-$92
10Kia Optima$1,538-$46
11Ford Fusion$1,584--
12Volkswagen Arteon$1,606$22
13Tesla Model 3$1,640$56
14Hyundai Sonata$1,682$98
15Kia Stinger$1,686$102

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2020 model year, 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, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 27, 2022
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 $1,378 per year. The second cheapest model is the SE Sedan at $1,420 per year, and the third cheapest trim level to insure is the SE AWD at $1,466 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 $1,712,  $1,712, and $1,754 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 6-month Policy Per Month
S Sedan$1,378$689$115
SE Sedan$1,420$710$118
SE AWD$1,466$733$122
SEL Sedan$1,466$733$122
Titanium Sedan$1,554$777$130
Hybrid SE Sedan$1,592$796$133
Titanium AWD$1,596$798$133
Hybrid Police Respsponder Sedan$1,666$833$139
Hybrid SEL Sedan$1,666$833$139
Hybrid Special Service Plug-in Sedan$1,712$856$143
Hybrid Titanium Sedan$1,712$856$143
Hybrid Titanium Plug-in Sedan$1,754$877$146

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 September 27, 2022
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 $4,522 to $5,816 for male drivers and $4,022 to $5,128 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.

Get Rates in Your AreaWhy is this important?

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 September 27, 2022
Ford Fusion Insurance Cost for Teenage Drivers
Ford Fusion Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$5,816$5,400$5,028$4,522
Female$5,128$4,822$4,360$4,022

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 for 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 more 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 $1,816 per year, or about $151 per month. Rates range from $1,662 per year for the Fusion S Sedan to $1,972 for the Fusion Sport AWD.

2019 Ford Fusion Insurance Cost by Trim Level
2019 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,404$117
SE Sedan$1,446$121
Hybrid SE Sedan$1,454$121
SE AWD$1,488$124
SEL Sedan$1,488$124
Hybrid Police Responder Sedan$1,526$127
Hybrid SEL Sedan$1,526$127
SEL AWD$1,532$128
Hybrid Special Service Plug-in Sedan$1,568$131
Hybrid Titanium Sedan$1,568$131
Titanium Sedan$1,574$131
Hybrid Titanium Plug-in Sedan$1,612$134
Titanium AWD$1,618$135
Sport AWD$1,662$139

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 September 27, 2022
2019 Ford Fusion Insurance Cost by Trim Level

2018 Ford Fusion Insurance Rates

2018 Ford Fusion insurance rates average $1,496 per year, or around $125 per month. Cost ranges from $1,370 per year for the Fusion S Sedan to $1,616 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$1,370$114
SE Sedan$1,370$114
Hybrid S Sedan$1,380$115
Hybrid SE Sedan$1,420$118
SE AWD Sedan$1,452$121
Hybrid Titanium Sedan$1,490$124
Titanium AWD Sedan$1,492$124
Titanium Sedan$1,492$124
Hybrid SE Luxury Plug-in Sedan$1,532$128
Hybrid Titanium Plug-in Sedan$1,532$128
Sport AWD Sedan$1,536$128
Hybrid Platinum Sedan$1,572$131
Platinum AWD Sedan$1,578$132
Platinum Sedan$1,578$132
Hybrid Platinum Plug-in Sedan$1,616$135

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 September 27, 2022
2018 Ford Fusion Insurance Cost by Trim Level

2017 Ford Fusion Car Insurance Rates

A 2017 Ford Fusion averages $1,456 per year for full coverage insurance, or around $121 per month. Rates range from $1,336 per year for the Fusion S Sedan to $1,574 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$1,336$111
SE Sedan$1,336$111
Hybrid S Sedan$1,348$112
Hybrid SE Sedan$1,388$116
SE AWD Sedan$1,414$118
Titanium AWD Sedan$1,454$121
Titanium Sedan$1,454$121
Hybrid Titanium Sedan$1,456$121
Hybrid SE Luxury Plug-in Sedan$1,494$125
Hybrid Titanium Plug-in Sedan$1,494$125
Sport AWD Sedan$1,494$125
Hybrid Platinum Sedan$1,534$128
Platinum AWD Sedan$1,536$128
Platinum Sedan$1,536$128
Hybrid Platinum Plug-in Sedan$1,574$131

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 September 27, 2022
2017 Ford Fusion Insurance Cost by Trim Level

2016 Ford Fusion Insurance Rates

Average insurance cost for a 2016 Ford Fusion is $1,290 per year, or around $108 per month. Rates range from $1,214 per year for the Fusion Hybrid S Sedan to $1,352 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$1,214$101
S Sedan$1,214$101
Hybrid SE Sedan$1,252$104
SE Sedan$1,252$104
SE AWD Sedan$1,288$107
Hybrid Titanium Sedan$1,314$110
Titanium AWD Sedan$1,326$111
Titanium Sedan$1,326$111
Hybrid SE Luxury Plug-in Sedan$1,352$113
Hybrid Titanium Plug-in Sedan$1,352$113

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 September 27, 2022
2016 Ford Fusion Insurance Cost by Trim Level

2015 Ford Fusion Insurance Rates

Insurance rates average $1,272 per year for a 2015 Ford Fusion, or around $106 per month. Rates range from $1,184 per year for the Fusion S Sedan to $1,372 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$1,184$99
SE Sedan$1,184$99
SE AWD Sedan$1,218$102
Hybrid S Sedan$1,266$106
Hybrid SE Sedan$1,266$106
Titanium AWD Sedan$1,288$107
Titanium Sedan$1,288$107
Hybrid Titanium Sedan$1,304$109
Hybrid SE Luxury Plug-in Sedan$1,338$112
Hybrid Titanium Plug-in Sedan$1,372$114

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 September 27, 2022
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 means 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 $218 per yearon the cost of insuring a Fusion.
  • Raising deductibles makes insurance more affordable. Raising deductibles from $500 to $1,000 could save around $170 per year for a 40-year-old driver and $330 per year for a 20-year-old driver.
  • Low deductibles makes insurance more expensive. Dropping your deductibles from $500 to $250 could cost an additional $176 per year for a 40-year-old driver and $348 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 $38 and $120 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 $592 per year for a 30-year-old driver and even as much as $408 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 $338 per year. So be a good driver and save!