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 $1,570 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.

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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 May 19, 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$2,690$224
$500$3,126$261
$250$3,582$299
30$1,000$1,396$116
$500$1,642$137
$250$1,894$158
40$1,000$1,348$112
$500$1,570$131
$250$1,804$150
50$1,000$1,232$103
$500$1,432$119
$250$1,642$137
60$1,000$1,206$101
$500$1,404$117
$250$1,608$134

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).

Insurance Cost Comparison: Ford Fusion vs Midsize Cars
Rank Make/Model Insurance Cost Difference
1Buick Regal$1,336-$234
2Honda Insight$1,340-$230
3Mazda 6$1,358-$212
4Chevrolet Malibu$1,382-$188
5Toyota Camry$1,458-$112
6Subaru Legacy$1,470-$100
7Honda Accord$1,474-$96
8Volkswagen Passat$1,474-$96
9Nissan Altima$1,484-$86
10Kia Optima$1,528-$42
11Ford Fusion$1,570--
12Volkswagen Arteon$1,596$26
13Tesla Model 3$1,628$58
14Hyundai Sonata$1,664$94
15Kia Stinger$1,674$104

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 May 19, 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 $1,368 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.

2020 Ford Fusion Insurance Cost by Trim Level
Ford Fusion Trim Level Annual Policy 6-month Policy Per Month
S Sedan$1,368$684$114
SE Sedan$1,412$706$118
SE AWD$1,454$727$121
SEL Sedan$1,454$727$121
Titanium Sedan$1,542$771$129
Hybrid SE Sedan$1,576$788$131
Titanium AWD$1,586$793$132
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

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 May 19, 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 $4,484 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.

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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 February 20, 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$5,774$5,356$4,988$4,484
Female$5,088$4,780$4,322$3,988

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 Insurance Cost by Trim Level
2019 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,392$116
SE Sedan$1,438$120
Hybrid SE Sedan$1,440$120
SE AWD$1,480$123
SEL Sedan$1,480$123
Hybrid Police Responder Sedan$1,516$126
Hybrid SEL Sedan$1,516$126
SEL AWD$1,522$127
Hybrid Special Service Plug-in Sedan$1,558$130
Hybrid Titanium Sedan$1,558$130
Titanium Sedan$1,566$131
Hybrid Titanium Plug-in Sedan$1,600$133
Titanium AWD$1,608$134
Sport AWD$1,650$138

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 May 19, 2022
2019 Ford Fusion Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
2018 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,362$114
SE Sedan$1,362$114
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
Titanium 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
Platinum Sedan$1,566$131
Hybrid Platinum Plug-in Sedan$1,602$134

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 May 19, 2022
2018 Ford Fusion Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
2017 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,328$111
SE Sedan$1,328$111
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
Titanium 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
Platinum Sedan$1,524$127
Hybrid Platinum Plug-in Sedan$1,564$130

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 May 19, 2022
2017 Ford Fusion Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
2016 Ford Fusion Trim Level Annual Rate Per Month
Hybrid S Sedan$1,208$101
S Sedan$1,208$101
Hybrid SE Sedan$1,246$104
SE Sedan$1,246$104
SE AWD Sedan$1,280$107
Hybrid Titanium Sedan$1,306$109
Titanium AWD Sedan$1,318$110
Titanium Sedan$1,318$110
Hybrid SE Luxury Plug-in Sedan$1,344$112
Hybrid Titanium Plug-in Sedan$1,344$112

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 May 19, 2022
2016 Ford Fusion Insurance Cost by Trim Level

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 Insurance Cost by Trim Level
2015 Ford Fusion Trim Level Annual Rate Per Month
S Sedan$1,174$98
SE Sedan$1,174$98
SE AWD Sedan$1,208$101
Hybrid S Sedan$1,258$105
Hybrid SE Sedan$1,258$105
Titanium AWD Sedan$1,280$107
Titanium 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

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 May 19, 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 $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!