Cost of Ford Fusion Car Insurance (2025)
Ford Fusions cost an average of $162 per month, or $1,944 per year, to insure.
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Ford stopped producing the Fusion in 2020, but it still accounted for nearly 1% of all the cars on U.S. roads at the end of 2023.[?] The 2020 Ford Fusion earned a rating of 7.9/10 from Edmunds and ranked No. 8 in Kelley Blue Book’s list of Best Midsize Cars of 2020.[?] [?]
The latest Fusion model costs between $16,291 and $35,790, which is cheaper than many of its similar-sized competitors.
Here’s what you should know about Ford Fusion insurance costs, as well as reasons to compare car insurance rates from at least three insurance companies before you buy a policy.
Quick Facts
USAA and State Farm are the cheapest car insurance options for the Ford Fusion.
Ford first sold Fusions in 2006.
Ford discontinued the Fusion in 2020.
Cost of Ford Fusion insurance
A Ford Fusion costs $162 per month to insure, on average. Fusion drivers pay an average of $106 per month for liability insurance and $217 for full-coverage car insurance. Your rates will vary based on your age, location, driving history, and more. For example, any violations or crashes on your driving record can have a significant effect on your insurance costs.
USAA has the lowest rates for Fusion owners, but you have to have to be an active-duty member of the military, a veteran, or an immediate family member to qualify for a policy. If you don’t qualify, State Farm and GEICO are other affordable options.
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2020 Ford Fusion insurance
The MSRP of the 2020 Ford Fusion started at $24,365, but prices varied by trim level. The most expensive was the Titanium Hybrid Sedan 4D, at $35,790.
See the table below for the average monthly insurance premium for the 2020 Ford Fusion from some of the best auto insurance companies.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $166 |
| State Farm | $190 |
| GEICO | $197 |
| Allstate | $230 |
| Progressive | $242 |
| American Family | $288 |
| Nationwide | $308 |
| Travelers | $328 |
| Liberty Mutual | $331 |
| Farmers | $412 |
| The General | $414 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2019 Ford Fusion insurance
The MSRP of the 2019 Ford Fusion was as low as $23,835 for the Fusion S Sedan 4D model.
Check out the table below for average 2019 Ford Fusion insurance rates from top auto insurance companies.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $155 |
| State Farm | $179 |
| GEICO | $185 |
| Allstate | $216 |
| Progressive | $227 |
| American Family | $270 |
| Nationwide | $289 |
| Travelers | $308 |
| Liberty Mutual | $311 |
| Farmers | $387 |
| The General | $388 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2018 Ford Fusion insurance
The 2018 Ford Fusion had an MSRP starting at $23,110.
The table below highlights the average monthly insurance quotes for the 2018 Ford Fusion from some of the best companies.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $156 |
| State Farm | $179 |
| GEICO | $185 |
| Allstate | $217 |
| Progressive | $227 |
| American Family | $271 |
| Nationwide | $290 |
| Travelers | $309 |
| Liberty Mutual | $312 |
| Farmers | $388 |
| The General | $390 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2017 Ford Fusion insurance
The MSRP of the 2017 Ford Fusion sat at $22,995 for the S Sedan 4D and reached $38,005 for the Platinum Hybrid Sedan 4D.
Take a look at the table below for an idea of what to expect for premiums for the 2017 Fusion.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $154 |
| State Farm | $177 |
| GEICO | $184 |
| Allstate | $214 |
| Progressive | $225 |
| American Family | $268 |
| Nationwide | $287 |
| Travelers | $305 |
| Liberty Mutual | $308 |
| Farmers | $384 |
| The General | $386 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
2016 Ford Fusion insurance
The 2016 Ford Fusion had an MSRP of $23,135.
The table below showcases some of the most affordable insurance options for the 2016 Fusion.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $148 |
| State Farm | $170 |
| GEICO | $176 |
| Allstate | $206 |
| Progressive | $216 |
| American Family | $258 |
| Nationwide | $276 |
| Travelers | $293 |
| Liberty Mutual | $296 |
| Farmers | $369 |
| The General | $371 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Ford Fusion car insurance coverages
If you’ve recently bought a Ford Fusion, you’ll need to get insurance before you can legally drive it. If you already have insurance, you can likely stick with your current insurance company, but you should double-check your coverage to make sure it’s sufficient.
Some of the most common coverages you’ll need include:[?]
Ford Fusion insurance FAQs
If you still want more information about Ford Fusion car insurance, check out these answers to some of the most commonly asked questions about the sedan.
Which company has the cheapest Ford Fusion insurance?
USAA has the cheapest Ford Fusion auto insurance. State Farm and GEICO are the second- and third-cheapest insurers for Ford Fusions, respectively.
Are Ford Fusions expensive to insure?
Yes, Ford Fusions are expensive to insure. The average Ford Fusion insurance cost is $162 per month, just slightly higher than the overall national average of $138 per month. You can save on your policy if you take advantage of discounts.
How much does it cost to insure a Ford Fusion?
The average cost to insure a Ford Fusion is $162 per month. Fusion drivers pay $106 per month for liability coverage and $217 for full coverage.
What is the cheapest Ford to insure?
The Escape is the cheapest of the Ford models to insure. It has an average monthly liability rate of $106 and a full-coverage rate of $158. While the Escape has the cheapest Ford insurance rates on average, your rate may look different.
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