Ford Fusion insurance costs average $80 per month for minimum coverage and $155 monthly for full coverage. But, depending on your particular trim and model year, costs can range anywhere from $49 to $238 monthly.
Ford Fusion Insurance Cost
Updated: September 24, 2025
Key Takeaways
Ford Fusion insurance costs vary from $89 to $238 monthly for full coverage, with rates depending on your specific trim level and model year.
The Ford Fusion ties for 201st out of 827 vehicle models for insurance affordability in the United States auto market from 2000 through 2025.
GEICO offers the most affordable Ford Fusion coverage at $114 monthly for full coverage and $53 for minimum coverage policies.
How Much Is Ford Fusion Insurance?
| Ford Fusion | $80 | $155 |
Ford Fusion Insurance Cost by Model Year
Your Ford Fusion's model year and available trim options affect insurance rates, with newer models usually costing more due to higher fair value. Monthly premiums for Ford Fusion models range from $57 to $194, depending on the year and coverage level you choose.
| 2020 | $100 | $194 |
| 2019 | $90 | $173 |
| 2018 | $83 | $160 |
| 2017 | $70 | $135 |
| 2016 | $57 | $110 |
| 2015 | $77 | $149 |
| 2014 | $85 | $164 |
| 2013 | $80 | $155 |
| 2012 | $78 | $151 |
| 2011 | $69 | $132 |
| 2010 | $98 | $188 |
| 2009 | $91 | $174 |
| 2008 | $83 | $159 |
| 2007 | $77 | $149 |
| 2006 | $73 | $140 |
Ford Fusion Insurance Cost by Trim
Your Ford Fusion's trim affects insurance rates based on its features, rarity, desirability and market value. Monthly premiums vary widely across trim levels, ranging from $67 to $236 based on our research.
| 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 |
Compare Personalized Ford Fusion Insurance Costs
We broke down Ford Fusion insurance costs by model year and trim for more accurate estimates.
Data filtered by:Results filtered by:
Select
Model Year:2006
Select
Trim:S Sedan 4d
| S Sedan 4d | $74 | $142 |
Ford Fusion Insurance Cost by Company
Ford Fusion insurance costs vary by provider, ranging from $83 to $201 monthly. Minimum coverage spans $53 to $136, while full coverage costs $114 to $287. Rates vary due to different risk assessment models.
| 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 |
Ford Fusion Insurance Cost by State
Ford Fusion car insurance varies dramatically by state, ranging from $28 monthly in Wyoming to $333 monthly in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile, particularly your age and driving record, affects Ford Fusion insurance pricing extensively. Monthly rates can reach $298 for young drivers under 25 with clean records and drop to just $118 for adult drivers between 26-64 without violations.
| Adult Drivers | $80 | $155 |
| Young Drivers | $205 | $392 |
| Senior Drivers | $107 | $196 |
| Drivers With a Speeding Ticket | $100 | $195 |
| Drivers With an Accident | $118 | $227 |
| Drivers With a DUI | $147 | $280 |
| Drivers With Bad Credit | $190 | $382 |
Is a Ford Fusion Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford Fusion ranks 201st out of 827, making it one of the more affordable cars to insure. Among midsize sedans, the model ranks around the middle of the pack.
| Saturn S-Series | $47 | $90 |
| Dodge Stratus | $52 | $100 |
| Saab 9-5 | $53 | $103 |
| Saturn L-Series | $56 | $107 |
| Pontiac Grand Am | $59 | $113 |
| Mercury Milan | $62 | $118 |
| Mercury Sable | $64 | $122 |
| Suzuki Verona | $68 | $130 |
| Chrysler Sebring | $68 | $130 |
| Saab 9-3 | $68 | $131 |
| Mercury Montego | $71 | $137 |
| Pontiac Grand Prix | $73 | $140 |
| Pontiac G6 | $75 | $144 |
| Mitsubishi Galant | $76 | $146 |
| Chevrolet Malibu | $78 | $151 |
| Ford Fusion | $80 | $155 |
| Nissan Altima | $80 | $155 |
| Volkswagen CC | $81 | $156 |
| Nissan Maxima | $82 | $159 |
| Volkswagen Passat | $83 | $159 |
| Hyundai Azera | $84 | $162 |
| Honda Clarity | $85 | $164 |
| Dodge Magnum | $85 | $164 |
| Subaru Legacy | $85 | $165 |
| Honda Accord | $86 | $166 |
| Chrysler 200 | $86 | $166 |
| Mazda 6 | $86 | $167 |
| Dodge Avenger | $87 | $168 |
| Kia Optima | $89 | $172 |
| Toyota Camry | $90 | $175 |
| Hyundai Sonata | $96 | $186 |
| Hyundai Ioniq 6 | $96 | $187 |
| Kia K5 | $99 | $193 |
| Toyota Crown | $108 | $210 |
| Kia Stinger | $121 | $235 |
| Toyota Mirai | $140 | $273 |
| Lucid Air | $160 | $314 |
Factors That Affect Ford Car Insurance Costs
These factors affect what you'll pay for Ford Fusion insurance:
- Age (younger drivers under 25): Rates are much higher due to less driving experience and higher risk of accidents.
- Driving record: Clean records (no accidents, tickets, or claims) bring down premiums; violations or at-fault accidents raise them .
- Gender / risk behaviour: Male drivers often face higher premiums, especially in higher-performance trims or with more power.
- Usage & annual mileage: Higher mileage, long commuting, or usage in more congested or risky driving environments tend to raise insurance.
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Fusion repair costs average $745 annually, making it rank around the average for most Fords to repair.
Vehicle Trim, Features and Accessories
The Ford Fusion comes in multiple trims; in 2020 those include S, SE, SEL, and Titanium, plus Hybrid (SE & Titanium) and a plug-in Energi version of Titanium.
Lower-end trims (S, SE) have more basic features: smaller engines (like a 2.5 L I4 or 1.5 L EcoBoost), fewer luxury amenities, cloth seating, simpler infotainment, etc.
Higher trims and sport versions get more powerful engines (2.0 L Ecoboost, or V6 in older Sport trims), leather or premium upholstery, upgraded sound systems, advanced safety features, driver-assistance packages, and more tech/comfort features.
Fuel Type
All current and recent Ford Fusion models are designed to run on regular unleaded gasoline, with a minimum octane rating of 87 (R+M)/2. Some models (especially between 2010-2015) are Flex-Fuel (E-85) capable for certain engine versions.
Location
Costs vary by location: parts and labor costs, insurance rates, and availability of repair facilities affect what you pay. Urban or high-traffic areas tend to have higher insurance.
Regions far from large repair or dealership networks may see higher charge for parts or wait times. Older models may have parts scarcity in some places.
Driver Profile
These are traits that tend to influence insurance rates for a Ford Fusion:
Cheapest Ford Fusion Insurance Companies
GEICO offers the most affordable Fusion insurance with full coverage premiums averaging $114 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Fusion owners at $53 per month.
| GEICO | $53 | $114 |
| Travelers | $77 | $141 |
| State Farm | $76 | $158 |
| Progressive | $82 | $152 |
| The Hartford | $91 | $154 |
Cheapest Ford Fusion Insurance by State
We found that these are the top three most affordable car insurance providers for a Ford Fusion:
- GEICO: Offers the cheapest rates in 21 states
- Auto-Owners: Provides the lowest premiums in six states
- State Farm: Delivers the most competitive pricing in six states
You can filter below to see which company offers the most affordable auto insurance rates for your Ford Fusion.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $34 |
How to Get the Best Cheap Ford Fusion Insurance
Below we break down the best way to buy car insurance for your Ford Fusion:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Ford's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. The cheapest car insurance companies will then be easier to find.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Ford Fusion, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you’ll likely qualify for will help you get the cheapest rate possible. The five discounts below are the most likely we found that Ford Fusion owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Fusion owners often have multi-vehicle households, and insurers reward adding more than one car to the same policy with notable savings.
- Bundling/Multi-Policy Discount (5% to 25% savings): Since many Fusion drivers own homes, they can bundle auto and homeowners (or renters) insurance for substantial discounts with most major carriers.
- Good Driver/Safe Driver Discount (10% to 30% savings): Fusion owners tend to be older, more established drivers, and their clean driving records commonly qualify them for safe-driver discounts.
- Safety Features/Advanced Safety Discount (5% to 20% savings): The Fusion comes with strong safety ratings and features such as airbags, anti-lock brakes, and stability control, making it eligible for insurer safety discounts.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Fusion owners frequently use the car for commuting but may drive less annually than average. Usage-based programs or lower annual mileage can lead to premium reductions.
- 5
Consider alternative car insurance types
Ford Fusion owners should look for competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Fusion insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Fusion Insurance Cost: Bottom Line
Insuring a Ford Fusion costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Fusion Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Fusion.
What is the average cost of car insurance for a Ford Fusion?
The Ford Fusion's average annual insurance cost is $964 for minimum coverage and $1,860 for full coverage.
What company has the cheapest car insurance for a Ford Fusion?
GEICO offers the most affordable Fusion insurance with full coverage premiums averaging $114 monthly. For drivers seeking basic protection, GEICO also provides the cheapest minimum coverage for Fusion owners at $53 per month.
Are Ford Fusions expensive to insure?
Out of 827 vehicles we track, the Fusion ranks 201st for affordability, making it an affordable model. Among midsize sedans, the model ranks around the middle of the pack.
What factors affect insurance costs for Ford Fusions?
Several things drive up your Ford Fusion rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Ford Fusion insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Fusion Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Ford Fusion insurance costs.
Who We Based These Rates On
These Ford Fusion prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.