Newer Ford Fusions cost more to insure because of higher market values. Monthly premiums range from $194 for 2020 models down to $110 for 2016 models for full coverage. Model year matters a lot.
Ford Fusion Insurance Cost
Updated: January 23, 2026
Key Takeaways
Ford Fusion insurance costs an average of $155 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Fusion ranks 55th out of 200 sedans for insurance affordability, landing in the midtier. Sedans cost more to insure than most vehicle types, so the Fusion sits at average compared to typical cars. Read more
Check rates for your Fusion's model year to get accurate insurance costs. Read more
How Much Is Ford Fusion Insurance?
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Insurance rates depend on model year and insurer. Ford Fusion minimum coverage goes from $53 monthly with GEICO to $136 with UAIC, while full coverage spans $114 monthly with GEICO to higher rates with AIG.
The differences (more than $83 for minimum coverage and $173 for full coverage) highlight why comparing insurers matters for Fusion owners. Companies calculate risk differently for each model, which impacts your final rate.
| AAA | $87 | $179 |
| AIG | $115 | $287 |
| Allstate | $96 | $186 |
| Amica | $95 | $195 |
| Chubb | $111 | $218 |
| Farmers | $114 | $201 |
| Geico | $53 | $114 |
| Kemper | $83 | $166 |
| Nationwide | $102 | $176 |
| Progressive | $82 | $152 |
| State Farm | $76 | $158 |
| The Hartford | $91 | $154 |
| Travelers | $77 | $141 |
| UAIC | $136 | $171 |
Is Ford Fusion Expensive to Insure?
MoneyGeek's analysis of 200 sedans shows the Ford Fusion ranking 55th for insurance affordability. That means 54 vehicles cost less. It sits between the slightly cheaper Acura TL and the marginally pricier Nissan Altima, with just a few dollars separating these models monthly.
The Fusion lands in the middle among sedans. But its 201st place out of 827 total vehicles means it's in the top half for affordability overall. Sedans cost more to insure as a category, with the Saturn S-Series offering the cheapest rates and the Cadillac CTS-V commanding the highest premiums.
| Volkswagen Phaeton | $115 | 52 |
| Lincoln MKZ | $116 | 53 |
| Acura TL | $117 | 54 |
| Ford Fusion | $118 | 55 |
| Nissan Altima | $118 | 56 |
| Lexus CT | $118 | 57 |
| Volkswagen CC | $118 | 58 |
| Lincoln Town Car | $118 | 58 |
What affects your Ford Fusion insurance:
- Average Repair or Replacement Costs: The Fusion is Ford's 11th most affordable model to maintain out of 35, averaging $745 annually in repair costs. This moderate maintenance expense keeps insurance premiums reasonable compared to higher-end Ford vehicles.
- Vehicle Trim, Features and Accessories: The Fusion's horsepower ranges from 175 to 245 depending on your engine, with higher-performance trims costing substantially more to insure. More powerful variants pay higher premiums because of increased repair costs and performance capabilities.
- Driver Profile: Most Ford Fusion drivers fall into the 35 to 45-year age range and enjoy lower rates due to responsible driving habits. But the vehicle's performance reputation can attract risky driving that concerns insurers. Read more about the costs of Ford Fusions for young drivers. Read more about the costs of Ford Fusions for young drivers.
Ford Fusion Insurance Cost by State
Ford Fusion insurance costs range from $28 monthly in Wyoming to $155 in Louisiana for minimum coverage. Your state's risk profile and insurance regulations create these differences, not the vehicle itself.
| Alabama | $66 | $124 |
| Alaska | $56 | $118 |
| Arizona | $95 | $177 |
| Arkansas | $64 | $144 |
| California | $77 | $156 |
| Colorado | $75 | $179 |
| Connecticut | $114 | $196 |
| Delaware | $113 | $188 |
| Florida | $107 | $249 |
| Georgia | $122 | $200 |
| Hawaii | $41 | $93 |
| Idaho | $44 | $89 |
| Illinois | $73 | $135 |
| Indiana | $50 | $98 |
| Iowa | $43 | $103 |
| Kansas | $56 | $130 |
| Kentucky | $98 | $167 |
| Louisiana | $155 | $333 |
| Maine | $40 | $84 |
| Maryland | $126 | $213 |
| Massachusetts | $80 | $168 |
| Michigan | $121 | $230 |
| Minnesota | $64 | $132 |
| Mississippi | $68 | $134 |
| Missouri | $92 | $182 |
| Montana | $54 | $128 |
| Nebraska | $55 | $126 |
| Nevada | $144 | $260 |
| New Hampshire | $56 | $99 |
| New Jersey | $131 | $215 |
| New Mexico | $64 | $144 |
| New York | $100 | $179 |
| North Carolina | $64 | $125 |
| North Dakota | $44 | $97 |
| Ohio | $60 | $117 |
| Oklahoma | $71 | $158 |
| Oregon | $98 | $170 |
| Pennsylvania | $67 | $159 |
| Rhode Island | $98 | $174 |
| South Carolina | $83 | $154 |
| South Dakota | $41 | $122 |
| Tennessee | $63 | $126 |
| Texas | $100 | $205 |
| Utah | $87 | $148 |
| Vermont | $35 | $83 |
| Virginia | $75 | $121 |
| Washington | $74 | $138 |
| West Virginia | $67 | $136 |
| Wisconsin | $51 | $113 |
| Wyoming | $28 | $87 |
Ford Fusion Costs by Model Year and Insurance Company
Your Ford Fusion's model year affects insurance costs, especially combined with driver age. A 35- to 55-year-old driver with a 2016 Ford Fusion pays around $110 monthly for full coverage, while the same driver with a 2020 model pays $194 monthly. Newer models cost more to insure, and young drivers in their teens and early twenties will see much steeper rates across all years.
GEICO consistently offers the most affordable rates across all Ford Fusion model years.Â
Cost of Car Insurance for 2020 Ford Fusion
| Geico | $64 | $139 |
| National General | $76 | $156 |
| Travelers | $96 | $175 |
| Progressive | $96 | $180 |
| State Farm | $99 | $206 |
| Kemper | $107 | $215 |
| AAA | $111 | $230 |
| The Hartford | $111 | $190 |
| Allstate | $115 | $223 |
| Amica | $119 | $245 |
| Nationwide | $133 | $229 |
| Farmers | $146 | $259 |
| AIG | $149 | $378 |
| Chubb | $150 | $296 |
| UAIC | $160 | $201 |
Cost of Car Insurance for 2019 Ford Fusion
| Geico | $57 | $124 |
| National General | $68 | $140 |
| Travelers | $85 | $156 |
| Progressive | $86 | $161 |
| State Farm | $89 | $184 |
| Kemper | $95 | $192 |
| AAA | $99 | $205 |
| The Hartford | $99 | $169 |
| Allstate | $103 | $199 |
| Amica | $107 | $219 |
| Nationwide | $119 | $205 |
| Farmers | $131 | $231 |
| AIG | $133 | $338 |
| Chubb | $134 | $264 |
| UAIC | $143 | $179 |
Cost of Car Insurance for 2018 Ford Fusion
| Geico | $53 | $115 |
| National General | $63 | $130 |
| Travelers | $79 | $145 |
| Progressive | $80 | $149 |
| State Farm | $82 | $171 |
| Kemper | $88 | $178 |
| AAA | $92 | $190 |
| The Hartford | $92 | $157 |
| Allstate | $95 | $185 |
| Amica | $99 | $203 |
| Nationwide | $110 | $189 |
| Farmers | $121 | $214 |
| AIG | $123 | $313 |
| Chubb | $124 | $245 |
| UAIC | $132 | $166 |
Cost of Car Insurance for 2017 Ford Fusion
| Geico | $45 | $97 |
| National General | $53 | $109 |
| Travelers | $67 | $122 |
| Progressive | $67 | $125 |
| State Farm | $69 | $144 |
| Kemper | $74 | $150 |
| AAA | $77 | $160 |
| The Hartford | $77 | $132 |
| Allstate | $80 | $155 |
| Amica | $83 | $170 |
| Nationwide | $92 | $160 |
| Farmers | $102 | $180 |
| AIG | $104 | $264 |
| Chubb | $104 | $206 |
| UAIC | $111 | $140 |
Cost of Car Insurance for 2016 Ford Fusion
| Geico | $36 | $79 |
| National General | $43 | $89 |
| Travelers | $54 | $99 |
| Progressive | $55 | $102 |
| State Farm | $56 | $117 |
| Kemper | $61 | $122 |
| AAA | $63 | $130 |
| The Hartford | $63 | $108 |
| Allstate | $65 | $127 |
| Amica | $68 | $139 |
| Nationwide | $75 | $130 |
| Farmers | $83 | $147 |
| AIG | $84 | $215 |
| Chubb | $85 | $168 |
| UAIC | $91 | $114 |
Ford Fusion Insurance Cost by Trim
Ford Fusion insurance costs range from $67 monthly for minimum coverage on basic S Hybrid Sedan 4d models to $236 for full coverage on Plug-In Hybrid Titanium Sedan 4d variants. Performance features, market value and rarity control where your trim falls.
| S Hybrid Sedan 4d | $67 | $129 |
| Se Hybrid Sedan 4d | $74 | $142 |
| S Sedan 4d | $74 | $142 |
| Titanium Sedan 4d | $74 | $143 |
| Se Sedan 4d | $77 | $148 |
| Hybrid Sedan 4d | $79 | $153 |
| Titanium Hybrid Sedan 4d | $81 | $157 |
| Platinum Sedan 4d | $82 | $159 |
| Energi Plug-In Hybrid Se Luxury Sedan 4d | $83 | $160 |
| Sel Sedan 4d | $85 | $164 |
| Sport Sedan 4d | $87 | $168 |
| Energi Plug-In Hybrid Titanium Sedan 4d | $88 | $171 |
| Energi Plug-In Hybrid Se Sedan 4d | $89 | $172 |
| Energi Plug-In Hybrid Platinum Sedan 4d | $97 | $188 |
| Platinum Hybrid Sedan 4d | $98 | $189 |
| Sel Hybrid Sedan 4d | $98 | $189 |
| Plug-In Hybrid Titanium Sedan 4d | $122 | $236 |
How to Lower the Cost of Ford Fusion Insurance
Here's how you'll find better rates and reduce your Ford Fusion insurance premiums:
- 1Choose the right coverage
Decide how much coverage your Ford Fusion needs based on ownership. Own your vehicle outright? Get your state's minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Need more protection? Choose 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing? You must carry 100/300/100 liability, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for mid-size sedans. This helps you find the cheapest car insurance companies offering competitive rates. Knowing typical pricing helps you spot genuine deals versus inflated quotes.
- 3Look for more than just low rates
Choosing reliable car insurance means looking beyond quotes. Check J.D. Power satisfaction ratings, read forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability ratings. Budget insurers often offer limited coverage or slower customer service when you need help.
- 4Explore discounts you qualify for
Find car insurance discounts for your situation and driving habits. Ford Fusion owners often qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts when combining auto and home policies. These cut your annual premium without reducing coverage.
- 5Consider alternative car insurance types
Ford Fusion owners can benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These track your driving and offer premium cuts for safe behaviors. Low-mileage drivers and those with excellent driving records save the most.
- 6Check rates every year
Get car insurance quotes from multiple companies annually for competitive pricing. Your current insurer won't notify you when competitors lower rates, so regular comparisons could save up to 24% on Ford Fusion insurance. Set a calendar reminder each year before your policy renews.
Ford Fusion Insurance Cost: Bottom Line
Ford Fusion insurance runs affordable compared to average vehicles. Get better rates by comparing quotes from multiple insurers, maximizing discounts and choosing appropriate coverage.
Ford Fusion Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Fusion?
Ford Fusion insurance averages $1,860 annually for full coverage and $964 yearly for state minimum coverage. These rates translate to roughly $155 and $80 monthly respectively.
What company has the cheapest car insurance for a Ford Fusion?
Geico provides the most affordable minimum coverage for a Ford Fusion at $633 annually. The insurer also offers the best value for full coverage at $1,367 per year.
Are Ford Fusions expensive to insure?
No, Ford Fusion insurance is not expensive compared to most vehicles. Among sedans specifically, this model places 55th out of 199 for affordability, making it a reasonably priced option within its category.
What factors affect insurance costs for Ford Fusions?
Your driving record and credit score impact Ford Fusion insurance rates, along with your coverage choices. The Fusion's moderate repair costs and safety features help keep premiums reasonable for most drivers.
How can I lower Ford Fusion insurance costs?
Compare quotes from multiple insurers since Ford Fusion costs differ between companies. Explore usage-based programs that monitor your driving. Claim discounts, bundle with home or renters insurance and maintain a clean driving record for better rates.
How We Determined Ford Fusion Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ford Fusion insurance costs.
Who We Based These Rates On
These Ford Fusion rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.