Ford Fusion Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Ford Fusion costs about the same as insuring the average car.

• Full coverage for a Fusion typically tends to be around $179 per month, while liability only car insurance rates run about $93 monthly.

• The cheapest auto insurance company for a Fusion is Safeway.

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Fusion Overview

With base prices starting at just $23,170 for 2020 models, the Ford Fusion is a great budget-friendly car for drivers of all types. It's not just on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when you consider your future insurance premiums.

We ran through thousands of car insurance quotes on Compare.com, and we've determined that average Ford Fusion insurance costs run around $175 per month. But how does that compare to other cars on the market?

How Much is Car Insurance for a Ford Fusion?

Looking at the table above, you'll find that compared to other vehicles, Ford Fusion insurance prices are right about average. On average, Fusion owners will pay around $93 a month for liability insurance, and about $179 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When compared to other Ford models, the Fusion is more expensive, with rates more than 10% higher than the rest of the company's vehicle offerings. Compared to offerings from other brands, auto insurance for a Fusion is similarly on the expensive side, with liability only insurance premiums coming in around 12% more and 1% more for full coverage.

Compared to all vehicles of any body type, the Fusion has higher prices than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for a Ford Fusion?

If you're in the market for a new car insurance policy for your Ford Fusion, you probably want to know which carrier offers the cheapest rates. Although costs can change quite dramatically from policyholder to policyholder, Ohio Mutual offers the lowest average rates for liability only coverage, with rates as low as just $19 a month. With car insurance as low as $34 monthly, CaliforniaCasualty is the next most affordable car insurance company.

Aspire, Encompass, and Hugo round out the end of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a variety of variables into consideration when calculating monthly rates. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a whole range of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Ford Fusion?

There are several attributes that insurance carriers consider to calculate how much they charge -- and each carrier uses a different method, so there's not one single company that's the most affordable for every Fusion driver.

The following sections show an array of things auto insurance companies use to determine rates:

Vehicle Age

The Ford Fusion has been around for a while, so vehicle age will likely make a big difference in what you end up paying for car insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go lower.

As you can see in the table above, the Ford Fusion bucks the trend, as the most expensive models to insure are those that are 6 to 7 years old, while the cheapest Fusions are 1 year old or less, on average.

Your Age

How old you are makes a significant difference in how much insurance carriers will charge for auto insurance. Based on the information above, the youngest drivers pay a lot more for car insurance than those with more experience. In this case, drivers under 18 pay over three times as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for Fusion drivers.

Your Gender

Did you know women generally pay less for auto insurance than men? This is because men are more likely to get into accidents and get speeding tickets, which increases the chances of an insurance claim. When it comes to Fusion drivers specifically, women pay about 9% less than men per month for car insurance.

Where You Live

You might already know that factors like how old you are and what vehicle you drive play a role in your insurance prices, but you may not realize that where you live matters, too. Because car insurance is regulated on a state-by-state basis, premiums can vary quite a bit from state to state.

For example, the average Ford Fusion owner in New York pays around $242 monthly for liability coverage, while the same driver in California will pay less than a third of that price, on average. The table referenced above shows average costs for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

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Ford Fusion Car Insurance Discounts

Whatever your home state, your car, or your age, using as many discounts as possible when it comes to your auto insurance policy is always a smart move.

Not every insurance carrier will offer the same discounts, but there are a few that are relatively common. These include things like:

• Pay-in-full discounts for choosing to pay your entire policy premium up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution

While these are just a few of the discounts auto insurance companies offer, there are countless other ways to save money on you monthly insurance bill. Often, it's actually your insurance profile and driving record that get you the best rates.

Even though you can't control every factor insurance carriers take a look at to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use to your favor when it comes to saving money:

Your Driving Record

It's no secret that car insurance companies offer the lowest premiums to drivers with a history of responsible driving. And you're probably not surprised to hear that your insurance costs will get higher if you get tickets for speeding or get into a collision. But exactly how much will these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost Fusion drivers more than tickets, but both will cause a significant increase in rates. Ford Fusion drivers with a single accident on their record pay about $117 each month (up $24 from the $93/mo. overall average), while drivers with one ticket will pay an average of $99 a month. Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that plays a role in your auto insurance rates is the total distance you drive. Those who drive less are more likely to go accident-free, so they'll normally end up spending less on car insurance. In the above table, you can see that Ford Fusion owners who drive 10,000 miles or more pay $94 for auto insurance, while those who drive fewer than 2,500 miles per year pay about $80 per month.

If you don't drive much because you work from home or have a second vehicle, it may be worth considering pay-per-mile or usage-based car insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Ford Fusions Compare to Other Vehicles?

If you're thinking about buying a new car and a Ford Fusion is on your shortlist, you might want to know how it compares to other cars. Car insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.

Check out the table below to see how the Ford Fusion compares:

With an MSRP that's less than half of the going rate for a new vehicle, the Ford Fusion is a fantastic value when it comes to price. While the national average vehicle MSRP is $46,503, the Fusion starts at just $23,170.

Although the Fusion's price is on the low end of the spectrum, insurance prices run above average when compared to other vehicles on the market. Liability insurance for a Ford Fusion is about $15 a month more expensive than average, while full coverage is over $30 more per month.

When it comes to usage, Ford Fusion drivers are far from the national average in annual miles driven, with 13,664 miles every year compared to 11,681 for all vehicles.

Ford Fusion Car Insurance Costs by Model Year

You've seen how different variables can affect a driver's auto insurance costs. But if you're considering purchasing a new Fusion, knowing what you can expect to pay is extremely valuable as you weigh your choices.

For this reason, we've decided to break down Ford Fusion insurance premiums by model year. Simply find the model year you want in the dropdown to see average rates for both liability only and full coverage options. You'll also find some other helpful info, like cheapest insurance company, base price, and even available trims for each year the Fusion has been around.

Choose Your Model

2020 Ford Fusion Car Insurance 2019 Ford Fusion Car Insurance 2018 Ford Fusion Car Insurance 2017 Ford Fusion Car Insurance 2016 Ford Fusion Car Insurance 2015 Ford Fusion Car Insurance 2014 Ford Fusion Car Insurance 2013 Ford Fusion Car Insurance 2012 Ford Fusion Car Insurance 2011 Ford Fusion Car Insurance 2010 Ford Fusion Car Insurance 2009 Ford Fusion Car Insurance 2008 Ford Fusion Car Insurance

2020 Ford Fusion Car Insurance

The average cost to insure a 2020 Ford Fusion with liability only coverage is $96 monthly, while full coverage runs around $199 a month.

DirectGeneral offered the most affordable policy we found, with rates sometimes as low as $22 monthly.

If you want to know exactly how much you can expect to pay for your Fusion, get free quotes in minutes by just entering your ZIP code below.

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2019 Ford Fusion Car Insurance

2019 Fusion drivers can expect to pay an average of $90 per month for liability or $208 for full coverage.

Dairyland has rates as cheap as just $24 a month for the 2019 Ford Fusion.

Want to find the best rates? Get a variety of free personalized quotes by just entering your ZIP code below.

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2018 Ford Fusion Car Insurance

On average, drivers who own a 2018 Ford Fusion can expect to pay $100 to $195 monthly for liability only and full coverage car insurance, respectively.

If you're looking for the lowest possible 2018 Ford Fusion insurance policy, Hugo offered the cheapest policy we found, with rates as cheap as $16 per month.

These are average prices, but there are many things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, et customized quotes by entering your ZIP below.

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2017 Ford Fusion Car Insurance

You can expect full coverage for a 2017 Fusion to run about $190 monthly, while liability only coverage will average around $89 per month.

With costs as little as $16 a month, Hugo offered the lowest policy we found.

Interested in exactly how much you'll pay? Enter your ZIP code below to get several personalized quotes for free.

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2016 Ford Fusion Car Insurance

It costs about $104 per month for liability or $191 for a full coverage policy for the 2016 Ford Fusion.

With premiums as little as just $18 a month, Mapfre offered the most affordable policy we found for the 2016 Ford Fusion.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2015 Ford Fusion Car Insurance

The average cost to insure a 2015 Fusion with liability only coverage is $91 monthly, while full coverage runs around $180 per month.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as little as $21 monthly.

If you want to find the best rates for auto insurance for a 2015 Ford Fusion, enter your ZIP code below and compare a lot of personalized quotes in just a few minutes.

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2014 Ford Fusion Car Insurance

2014 Ford Fusion drivers can expect to pay an average of $91 a month for liability or $178 for full coverage.

We found Shelter Mutual offered the cheapest policy, with rates sometimes as cheap as $19 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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2013 Ford Fusion Car Insurance

You can expect full coverage for a 2013 Fusion to run about $190 per month, while liability only coverage will average around $119 a month.

Safeco has costs as cheap as $17 monthly for the 2013 Ford Fusion.

If you want to know exactly how much you can expect to pay for your Fusion, just enter your ZIP code below and get free quotes in minutes.

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2012 Ford Fusion Car Insurance

It costs about $94 a month for liability or $170 for a full coverage policy for the 2012 Ford Fusion.

If you're looking for the most affordable 2012 Ford Fusion insurance policy, Ohio Mutual offered the most affordable policy we found, with rates as little as $18 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple free personalized quotes.

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2011 Ford Fusion Car Insurance

On average, drivers who own a 2011 Fusion can expect to pay $89 to $160 monthly for liability only and full coverage insurance, respectively.

We found StateAuto offered the lowest policy, with rates sometimes as cheap as $17 a month.

If you want to know exactly how much you can expect to pay for your Fusion, just enter your ZIP code below and get several free quotes in minutes.

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2010 Ford Fusion Car Insurance

2010 Ford Fusion drivers can expect to pay an average of $89 per month for liability or $162 for full coverage.

With premiums as cheap as just $17 a month, StateAuto offered the cheapest policy we found.

If you want to find the best rates for car insurance for a 2010 Ford Fusion, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2009 Ford Fusion Car Insurance

On average, drivers who own a 2009 Fusion can expect to pay $89 to $165 per month for liability only and full coverage insurance, respectively.

Looking for the lowest policy? StateAuto offered liability only coverage for as little as just $17 monthly.

Want to know exactly how much you'll pay? Just enter your ZIP code below to get lots of free customized quotes.

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2008 Ford Fusion Car Insurance

It costs around $90 per month for liability or $164 for a full coverage policy for the 2008 Ford Fusion.

MetLife offered the cheapest policy we found, with rates sometimes as low as $19 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Ford Fusion Insurance FAQs

Is a Ford Fusion expensive to insure?

It costs about the same to insure a Ford Fusion as insuring the average vehicle. car. Liability insurance runs an average of $93 monthly, while full coverage will cost you around $179.

How can I get the best price on car insurance for my Ford Fusion?

The only way to guarantee you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from lots of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Ford Fusion affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not true. There are a variety of factors auto insurance carriers examine when they decide how much to charge you for a policy, but your Fusion's color is not on that list.

Do I need to have insurance before I buy a Ford Fusion?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a valid car insurance policy. Some dealerships may offer you an auto insurance policy as part of the car-buying process, but your best bet is letting your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Ford Fusion?

You will find a wide array of different discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Fusion has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. To find out which discounts you might receive, contact your insurance company and ask about which discounts they offer, since they shift quite a bit from company to company.