🎉 ENDS 11/30: 20% off YAA+ (THANKS20), and $100 off extended warranty (THANKS100)

Ford Fusion Insurance Cost

Auto insurance for a Ford Fusion will cost about $1,821 per year.

This beats the national average for popular sedan models by $404. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a Ford Fusion.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

Ford Fusion insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Ford Fusion Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,169 $9,058 $10,597
18 $5,749 $8,442 $9,876
19 $5,081 $7,460 $8,728
20 $4,430 $6,505 $7,610
21 $3,715 $5,455 $6,382
22 $3,618 $5,313 $6,215
23 $3,166 $4,649 $5,438
24 $3,008 $4,416 $5,166
25 $2,595 $3,811 $4,459
30 $2,022 $2,969 $3,473
35 $1,894 $2,781 $3,253
40 $1,821 $2,674 $3,128
45 $1,772 $2,602 $3,044
55 $1,625 $2,387 $2,792
65 $1,695 $2,489 $2,912
75 $2,140 $3,142 $3,676

Ford Fusion car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Ford Fusion by state.

Ford Fusion Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $1,930 $2,803 $3,567
Alaska $1,596 $2,213 $2,151
Arizona $1,804 $2,609 $3,843
Arkansas $1,978 $3,108 $3,422
California $2,203 $3,895 $2,203
Colorado $2,056 $2,877 $3,650
Connecticut $2,626 $4,073 $5,170
Delaware $2,174 $2,897 $3,721
Florida $2,589 $3,581 $4,667
Hawaii $843 $1,144 $843
Idaho $1,465 $1,941 $2,360
Illinois $1,533 $2,317 $2,642
Indiana $1,575 $2,408 $2,702
Iowa $1,247 $1,711 $2,012
Kansas $1,660 $2,415 $2,824
Kentucky $2,399 $3,522 $4,159
Louisiana $3,080 $4,656 $5,048
Maine $1,165 $1,610 $2,377
Maryland $1,885 $2,743 $3,047
Massachusetts $1,511 $2,637 $1,511
Michigan $3,647 $5,558 $8,766
Minnesota $1,501 $2,002 $2,819
Mississippi $1,812 $2,585 $2,602
Missouri $1,708 $2,441 $3,207
Montana $1,736 $2,423 $2,820
Nebraska $1,468 $2,170 $2,358
Nevada $2,421 $3,591 $3,793
New Hampshire $1,684 $2,663 $3,366
New Jersey $1,855 $2,911 $3,809
New Mexico $1,895 $2,818 $2,926
New York $1,755 $2,210 $3,689
North Carolina $1,088 $1,869 $1,333
North Dakota $1,489 $2,263 $2,676
Ohio $1,327 $2,047 $2,099
Oklahoma $2,120 $3,035 $3,418
Oregon $1,929 $2,588 $3,091
Pennsylvania $1,625 $2,386 $2,791
Rhode Island $2,713 $3,979 $4,481
South Carolina $1,842 $2,553 $3,524
South Dakota $1,653 $2,382 $2,748
Tennessee $1,944 $2,862 $3,811
Texas $1,958 $2,828 $3,518
Utah $1,665 $2,334 $3,211
Vermont $1,282 $1,974 $2,087
Virginia $1,208 $1,854 $1,817
Washington $1,599 $2,170 $2,591
West Virginia $1,609 $2,303 $2,886
Wisconsin $1,604 $2,503 $2,855
Wyoming $1,497 $2,096 $2,232
Georgia $2,110 $3,156 $3,182

Ford Fusion Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the Ford Fusion ranks for Insurance compared to other vehicles. Also check out how the Fusion stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings