Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Are you looking for a used Ford Fusion? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Ford Fusion car insurance facts

  • Average full coverage auto insurance premium: $120/month

  • Most affordable companies: USAA ($81/month) & GEICO ($84/month)

  • Fusion car insurance cost vs. average rates: $71 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Ford Fusion by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Ford Fusion insurer costs by state:

Risk factors affecting Ford Fusion car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Ford Fusion car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Ford models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Ford automobile brand

Ford Motor Company is an American multinational automaker specializing in affordable automobiles and commercial vehicles under the Ford brand for the United States market. Ford also sells luxury cars under the Lincoln brand. The target market of Ford is various social and income groups for young and old stylish buyers, primarily through social media and YouTube. All Ford automobiles have high safety ratings, with many of their cars getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Ford F-150, Explorer, Edge, and Escape are some of their most popular vehicles.

High Ford Fusion repair costs equal high coverage rates

Many consumers are attracted to Ford’s creative designs, increased fuel efficiency, and driver-assist technologies, like Ford’s Co-Pilot 360. Automotive parts are common but generally more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Ford is higher than average since repair parts are slightly more expensive. For this reason, many Fords are going to have higher than average car insurance rates compared to similar cars in their class.

Rapid depreciation for Ford Fusion affecting auto policies

Another factor to consider for Ford is rapid depreciation, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Ford models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

Excellent Ford IIHS and NHTSA safety ratings decreasing car insurance rates for drivers

Fords are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such as Ford’s Co-Pilot 360, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for most Ford models. The Ford Escape, Edge, and Explorer are the Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Ford automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Ford automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

2020 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1699
American Family$1411
Auto-Owners$1149
Erie$1123
Farmers$1365
GEICO$990
Mercury$1574
MetLife$2064
Nationwide$1240
Progressive$1065
Safe Auto$1846
State Farm$1287
Tennessee Farmers$1459
Travelers$1782
USAA$975
Vermont Mutual$1961

Compare all 2020 Ford Fusion rates

Average Cost to Insure Per Year

$1450

List Price

$23170

Trims Available

S - SE - Titanium - V6 Sport - Platinum - Base Engine: 175-horsepower 2.5-liter four-cylinder engine with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2019 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1689
American Family$1359
Auto-Owners$1150
Direct Auto$1564
Erie$1046
Farmers$1280
GEICO$986
MetLife$2059
Nationwide$1169
Progressive$1025
Safe Auto$1832
State Farm$1243
Tennessee Farmers$1481
Travelers$1765
USAA$935
Vermont Mutual$1953

Compare all 2019 Ford Fusion rates

Average Cost to Insure Per Year

$1368

List Price

$22840

Trims Available

S - SE - Titanium - V6 Sport - Platinum - Base Engine: 175-horsepower 2.5-liter four-cylinder engine with driver assist technology (Ford Co-Pilot 360) includes forward collision warning with pedestrian detection, automatic forward emergency braking, blind-spot warning, rear cross-traffic warning, lane-departure warning, lane-keeping assistance, automatic high-beam headlights, reversing camera. With passive and active safety features: Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Daytime Running Lights, and Child Safety Locks

2018 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1293
Acuity$ 1293
Allied$ 1235
Allied$ 1235
Erie$ 918
Erie$ 918
GEICO$ 1125
GEICO$ 1125
Mercury$ 1416
Mercury$ 1416
Nationwide$ 1218
Nationwide$ 1218
Plymouth Rock Insurance$ 1242
Plymouth Rock Insurance$ 1242
Progressive$ 1040
Progressive$ 1040
State Farm$ 1213
State Farm$ 1213
Tennessee Farmers$ 1105
Tennessee Farmers$ 1105
USAA$ 1063
USAA$ 1063
Vermont Mutual$ 1267
Vermont Mutual$ 1267

Compare all 2018 Ford Fusion rates

Average Cost to Insure Per Year

$ 1344

List Price

$ 22215

Trims Available

S - SE - Titanium - V6 Sport - Platinum

2017 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1272
Acuity$ 1272
Allied$ 1236
Allied$ 1236
American Family$ 1327
American Family$ 1327
Erie$ 840
Erie$ 840
GEICO$ 752
GEICO$ 752
Nationwide$ 1094
Nationwide$ 1094
Plymouth Rock Insurance$ 1197
Plymouth Rock Insurance$ 1197
Progressive$ 839
Progressive$ 839
State Farm$ 944
State Farm$ 944
Tennessee Farmers$ 1090
Tennessee Farmers$ 1090
USAA$ 813
USAA$ 813
Vermont Mutual$ 1210
Vermont Mutual$ 1210

Compare all 2017 Ford Fusion rates

Average Cost to Insure Per Year

$ 1121

List Price

$ 22610

Trims Available

S - SE - Titanium - V6 Sport - Platinum

2016 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1214
Acuity$ 1214
Erie$ 798
Erie$ 798
GEICO$ 990
GEICO$ 990
Nationwide$ 1188
Nationwide$ 1188
Plymouth Rock Insurance$ 1161
Plymouth Rock Insurance$ 1161
Progressive$ 955
Progressive$ 955
Quincy Mutual$ 1131
Quincy Mutual$ 1131
State Farm$ 1233
State Farm$ 1233
Tennessee Farmers$ 1058
Tennessee Farmers$ 1058
Texas Farm Bureau$ 918
Texas Farm Bureau$ 918
USAA$ 894
USAA$ 894
Vermont Mutual$ 1124
Vermont Mutual$ 1124

Compare all 2016 Ford Fusion rates

Average Cost to Insure Per Year

$ 1163

List Price

$ 22750

Trims Available

S - SE - Titanium

2015 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1162
Acuity$ 1162
Erie$ 876
Erie$ 876
GEICO$ 928
GEICO$ 928
Nationwide$ 1197
Nationwide$ 1197
Plymouth Rock Insurance$ 1129
Plymouth Rock Insurance$ 1129
Progressive$ 978
Progressive$ 978
Quincy Mutual$ 1107
Quincy Mutual$ 1107
State Farm$ 1028
State Farm$ 1028
Tennessee Farmers$ 1074
Tennessee Farmers$ 1074
Texas Farm Bureau$ 896
Texas Farm Bureau$ 896
USAA$ 870
USAA$ 870
Vermont Mutual$ 1056
Vermont Mutual$ 1056

Compare all 2015 Ford Fusion rates

Average Cost to Insure Per Year

$ 1105

List Price

$ 22500

Trims Available

S - SE - Titanium

2014 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1112
Acuity$ 1112
Country$ 1209
Country$ 1209
Erie$ 806
Erie$ 806
GEICO$ 930
GEICO$ 930
Plymouth Rock Insurance$ 1105
Plymouth Rock Insurance$ 1105
Progressive$ 1002
Progressive$ 1002
Quincy Mutual$ 1079
Quincy Mutual$ 1079
State Farm$ 1099
State Farm$ 1099
Tennessee Farmers$ 1049
Tennessee Farmers$ 1049
Texas Farm Bureau$ 849
Texas Farm Bureau$ 849
USAA$ 870
USAA$ 870
Vermont Mutual$ 1000
Vermont Mutual$ 1000

Compare all 2014 Ford Fusion rates

Average Cost to Insure Per Year

$ 1096

List Price

$ 21970

Trims Available

S - SE - Titanium

2013 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1081
Acuity$ 1081
Arbella$ 1181
Arbella$ 1181
Erie$ 850
Erie$ 850
GEICO$ 1040
GEICO$ 1040
Plymouth Rock Insurance$ 1075
Plymouth Rock Insurance$ 1075
Progressive$ 1080
Progressive$ 1080
Quincy Mutual$ 1051
Quincy Mutual$ 1051
State Farm$ 1104
State Farm$ 1104
Tennessee Farmers$ 1036
Tennessee Farmers$ 1036
Texas Farm Bureau$ 815
Texas Farm Bureau$ 815
USAA$ 926
USAA$ 926
Vermont Mutual$ 968
Vermont Mutual$ 968

Compare all 2013 Ford Fusion rates

Average Cost to Insure Per Year

$ 1095

List Price

$ 21900

Trims Available

S - SE - Titanium

2012 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1056
Acuity$ 1056
Erie$ 754
Erie$ 754
GEICO$ 798
GEICO$ 798
Nationwide$ 1139
Nationwide$ 1139
Plymouth Rock Insurance$ 1065
Plymouth Rock Insurance$ 1065
Progressive$ 997
Progressive$ 997
Quincy Mutual$ 1027
Quincy Mutual$ 1027
State Farm$ 973
State Farm$ 973
Tennessee Farmers$ 984
Tennessee Farmers$ 984
Texas Farm Bureau$ 769
Texas Farm Bureau$ 769
USAA$ 833
USAA$ 833
Vermont Mutual$ 886
Vermont Mutual$ 886

Compare all 2012 Ford Fusion rates

Average Cost to Insure Per Year

$ 1010

List Price

$ 20705

Trims Available

S - SE - SEL - Sport

2011 Ford Fusion

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1089
American Family$ 1089
Arbella$ 983
Arbella$ 983
Erie$ 728
Erie$ 728
GEICO$ 746
GEICO$ 746
Plymouth Rock Insurance$ 1044
Plymouth Rock Insurance$ 1044
Progressive$ 947
Progressive$ 947
Quincy Mutual$ 1002
Quincy Mutual$ 1002
State Farm$ 1011
State Farm$ 1011
Tennessee Farmers$ 948
Tennessee Farmers$ 948
Texas Farm Bureau$ 739
Texas Farm Bureau$ 739
USAA$ 814
USAA$ 814
Vermont Mutual$ 822
Vermont Mutual$ 822

Compare all 2011 Ford Fusion rates

Average Cost to Insure Per Year

$ 988

List Price

$ 19850

Trims Available

S - SE - SEL - Sport