The Ford Fusion is a mid-size sedan known for its reliability. After debuting in 2006, the Fusion was officially discontinued by Ford after the 2020 model. No matter which type of Fusion you drive, it needs to be protected with the right car insurance. For rates across other Ford models, see our full guide to Ford car insurance.
When shopping for the right Ford Fusion insurance, ask an independent insurance agent for help. Local agents are familiar with which carriers provide the best Ford insurance at competitive rates. But first, here's a closer look at how much it costs to insure a Ford Fusion by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Fusion Car Insurance
Ford Fusion insurance costs an average of $1,746 per year, or approximately $145 per month, for full coverage in 2026.
Ford Fusion insurance rates vary considerably by state, with drivers in Louisiana paying an average of $155 per month for minimum coverage, while those in Wyoming pay only $28.
American Family, USAA, and Progressive are the cheapest carriers for model-year 2020 Ford Fusion insurance this year.
The Ford Fusion is cheaper to insure, on average, than most sedans.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Fusion model.
What Is Ford Fusion Insurance?
Ford Fusion insurance is a special type of car insurance policy that includes custom coverages needed to protect your unique vehicle. As a sedan, the Fusion may not need much, if any, additional coverage beyond the basics found in a standard car insurance policy. Additionally, average rates for auto insurance for a Ford Fusion are actually lower than those for most sedans today.
Recommended coverage options for Ford Fusion drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
Add-on coverage options worth considering for a Ford Fusion:
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
A local independent insurance agent can help you compare Ford Fusion insurance rates in your area. They'll help you find the cheapest insurance for a Ford Fusion.
How Much Does Ford Fusion Insurance Cost?
The average cost of car insurance for a Ford Fusion is $1,746 per year, or approximately $145 per month, for full coverage. However, several factors can influence Ford Fusion car insurance rates, including:
- The specific type of Fusion you drive
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Your location
- Your driving history
An independent insurance agent can help you find affordable coverage, whether you're in need of Ford Fusion full coverage insurance or a basic Ford Fusion liability insurance policy.
Is the Ford Fusion Expensive to Insure?
No, the Ford Fusion isn't expensive to insure on average, even when compared to similar sedans. The average monthly cost of Ford Fusion auto insurance is $145, while the average for other sedans is $203. Mid-size sedan fans can potentially save money on auto insurance by choosing a Ford Fusion.
| Vehicle | Average Monthly Cost of Car Insurance |
| Ford Fusion | $145 |
| All Sedans | $203 |
Ford Fusion Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Fusion and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2020 Ford Fusion | $2,049 |
| 2019 Ford Fusion | $1,940 |
| 2018 Ford Fusion | $1,915 |
| 2017 Ford Fusion | $1,840 |
| 2016 Ford Fusion | $1,766 |
| 2015 Ford Fusion | $1,703 |
| 2014 Ford Fusion | $1,670 |
| 2013 Ford Fusion | $1,618 |
| 2012 Ford Fusion | $1,573 |
| 2011 Ford Fusion | $1,547 |
Cheapest Ford Fusion Car Insurance Companies for 2026
You can find affordable Ford Fusion auto insurance from many different carriers across the U.S. These outstanding car insurance companies provide the cheapest model-year 2020 Ford Fusion insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| American Family | $1,513 |
| USAA | $1,519 |
| Progressive | $1,561 |
| Erie | $1,789 |
| Nationwide | $2,388 |
| Allstate | $2,893 |
Ford Fusion Car Insurance Rates by State
Your location can have a great impact on your Ford Fusion auto insurance costs. Take a look at some average Ford Fusion car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Fusion Insurance Rates by Driver Age
Auto insurance premiums are greatly influenced by a driver's age. Rates are the highest for teens and young drivers. Once a driver reaches about age 25, rates drop dramatically until they reach their senior years, and then begin to climb again. Here are some average Ford Fusion insurance rates by age in 2026.
| Driver Age | Average Annual Cost of Full Coverage |
| 20 | $3,988 |
| 30 | $2,196 |
| 40 | $2,070 |
| 50 | $1,930 |
| 60 | $1,843 |
| 70 | $2,014 |
| 80 | $2,389 |
Best Ford Fusion Insurance Discounts: How to Lower Your Ford Fusion Insurance Premiums
The simple tips recommended below can help you save a great deal on your Ford Fusion insurance premiums.
- Ask about Ford Fusion insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Fusion insurance from a trusted carrier near you.
- Compare quotes from multiple carriers: Comparing Ford Fusion insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
A local independent insurance agent can help you save the most money possible on Ford Fusion car insurance. Your agent can also recommend additional ways to bring your premiums down even further.
An Independent Insurance Agent Can Help You Get the Best Ford Fusion Insurance Quotes
When it's time to find the most affordable Ford Fusion insurance, no one's better equipped to help than a local independent insurance agent. These agents know exactly which carriers offer the best blend of Ford Fusion insurance coverage and cost in your area.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Fusion Insurance
How much does Ford Fusion insurance cost per year?
The average annual cost of full coverage for a Ford Fusion is $1,746 per year, or approximately $145 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Fusion insurance premiums?
Many different factors can increase Ford Fusion insurance rates, including having accidents or other traffic violations on your record, living in a high-theft area, having filed past claims, having a more expensive model, or having poor credit.
Is the Ford Fusion expensive to insure?
No, the Fusion is actually cheaper to insure than many other sedans. While the Ford Fusion's average full coverage rates are $145 per month, other sedans average $203 per month.
What are the best and cheapest carriers for Ford Fusion insurance in 2026?
We found that American Family, USAA, and Progressive are the best and cheapest car insurance companies for model-year 2020 Ford Fusion insurance this year.
How can I get cheaper Ford Fusion insurance?
Finding cheaper Ford Fusion insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/ford-fusion-insurance/
https://www.thezebra.com/auto-insurance/vehicles/ford/fusion/
https://www.forbes.com/advisor/insurance/ford-fusion-car-insurance/