- Ford Fusion insurance cost averages $1,570 per year or around $131 per month, depending on the trim level.
- When compared to the entire 2020 midsize car segment, the Fusion ranks in the bottom half at #11 out of 15 total comparison vehicles.
- The cheapest Fusion insurance is on the S Sedan trim level at an estimated $1,368 per year. The most expensive is the Hybrid Titanium Plug-in Sedan at $1,738 annually.
How much are Ford Fusion car insurance rates?
Ford Fusion insurance rates average $1,570 a year, or about $131 each month. You can expect to pay about $74 more per year to insure a Ford Fusion compared to the midsize cars average rate, and $19 more per year than the $1,551 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.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
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 $1,570 per year to insure, while the category median rate is $1,496 per year, a difference of $74 per year.
When average insurance rates are compared to other midsize cars, insurance for a Ford Fusion costs $112 more per year than the Toyota Camry, $96 more than the Honda Accord, $86 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).
|13||Tesla Model 3||$1,628||$58|
What is the cheapest Ford Fusion insurance?
The cheapest insurance for a Ford Fusion is on the S Sedan at $1,368 per year. The second cheapest model is the SE Sedan at $1,412 per year, and the third cheapest trim level to insure is the SE AWD at $1,454 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 $1,694, $1,694, and $1,738 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.
|Ford Fusion Trim Level||Annual Policy||6-month Policy||Per Month|
|Hybrid SE Sedan||$1,576||$788||$131|
|Hybrid Police Respsponder Sedan||$1,652||$826||$138|
|Hybrid SEL Sedan||$1,652||$826||$138|
|Hybrid Special Service Plug-in Sedan||$1,694||$847||$141|
|Hybrid Titanium Sedan||$1,694||$847||$141|
|Hybrid Titanium Plug-in Sedan||$1,738||$869||$145|
How much does Fusion insurance cost for teen drivers?
Average Ford Fusion car insurance rates for teenagers range from $4,484 to $5,774 for male drivers and $3,988 to $5,088 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.
|Teen Driver Gender||Age 16||Age 17||Age 18||Age 19|
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 $1,802 per year, or about $150 per month. Rates range from $1,646 per year for the Fusion S Sedan to $1,954 for the Fusion Sport AWD.
|2019 Ford Fusion Trim Level||Annual Rate||Per Month|
|Hybrid SE Sedan||$1,440||$120|
|Hybrid Police Responder Sedan||$1,516||$126|
|Hybrid SEL Sedan||$1,516||$126|
|Hybrid Special Service Plug-in Sedan||$1,558||$130|
|Hybrid Titanium Sedan||$1,558||$130|
|Hybrid Titanium Plug-in Sedan||$1,600||$133|
2018 Ford Fusion Insurance Rates
2018 Ford Fusion insurance rates average $1,484 per year, or around $124 per month. Cost ranges from $1,362 per year for the Fusion S Sedan to $1,602 for the Fusion Hybrid Platinum Plug-in Sedan.
|2018 Ford Fusion Trim Level||Annual Rate||Per Month|
|Hybrid S Sedan||$1,370||$114|
|Hybrid SE Sedan||$1,410||$118|
|SE AWD Sedan||$1,444||$120|
|Hybrid Titanium Sedan||$1,480||$123|
|Titanium AWD Sedan||$1,484||$124|
|Hybrid SE Luxury Plug-in Sedan||$1,522||$127|
|Hybrid Titanium Plug-in Sedan||$1,522||$127|
|Sport AWD Sedan||$1,524||$127|
|Hybrid Platinum Sedan||$1,562||$130|
|Platinum AWD Sedan||$1,566||$131|
|Hybrid Platinum Plug-in Sedan||$1,602||$134|
2017 Ford Fusion Car Insurance Rates
A 2017 Ford Fusion averages $1,446 per year for full coverage insurance, or around $121 per month. Rates range from $1,328 per year for the Fusion S Sedan to $1,564 for the Fusion Hybrid Platinum Plug-in Sedan.
|2017 Ford Fusion Trim Level||Annual Rate||Per Month|
|Hybrid S Sedan||$1,338||$112|
|Hybrid SE Sedan||$1,378||$115|
|SE AWD Sedan||$1,406||$117|
|Hybrid Titanium Sedan||$1,444||$120|
|Titanium AWD Sedan||$1,446||$121|
|Hybrid SE Luxury Plug-in Sedan||$1,484||$124|
|Hybrid Titanium Plug-in Sedan||$1,484||$124|
|Sport AWD Sedan||$1,486||$124|
|Hybrid Platinum Sedan||$1,524||$127|
|Platinum AWD Sedan||$1,524||$127|
|Hybrid Platinum Plug-in Sedan||$1,564||$130|
2016 Ford Fusion Insurance Rates
Average insurance cost for a 2016 Ford Fusion is $1,282 per year, or around $107 per month. Rates range from $1,208 per year for the Fusion Hybrid S Sedan to $1,344 for the Fusion Hybrid Titanium Plug-in Sedan.
|2016 Ford Fusion Trim Level||Annual Rate||Per Month|
|Hybrid S Sedan||$1,208||$101|
|Hybrid SE Sedan||$1,246||$104|
|SE AWD Sedan||$1,280||$107|
|Hybrid Titanium Sedan||$1,306||$109|
|Titanium AWD Sedan||$1,318||$110|
|Hybrid SE Luxury Plug-in Sedan||$1,344||$112|
|Hybrid Titanium Plug-in Sedan||$1,344||$112|
2015 Ford Fusion Insurance Rates
Insurance rates average $1,260 per year for a 2015 Ford Fusion, or around $105 per month. Rates range from $1,174 per year for the Fusion S Sedan to $1,362 for the Fusion Hybrid Titanium Plug-in Sedan.
|2015 Ford Fusion Trim Level||Annual Rate||Per Month|
|SE AWD Sedan||$1,208||$101|
|Hybrid S Sedan||$1,258||$105|
|Hybrid SE Sedan||$1,258||$105|
|Titanium AWD Sedan||$1,280||$107|
|Hybrid Titanium Sedan||$1,294||$108|
|Hybrid SE Luxury Plug-in Sedan||$1,328||$111|
|Hybrid Titanium Plug-in Sedan||$1,362||$114|
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 $214 per yearon the cost of insuring a Fusion.
- Raising deductibles makes insurance more affordable. Raising deductibles from $500 to $1,000 could save around $166 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 $344 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 $119 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 $410 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!