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Compare quotes for Ford Fusion Titanium car insurance cost, 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of car insurance for Ford Fusion Titanium owners is $3,215 a year. However, exact rates vary from model to model: for instance, the F150 Svt Raptor costs $206 more per year to insure than the Escort Gt

Ford Fusion Titanium car insurance cost

One of the primary determining factors for your Ford Fusion Titanium insurance rate is the age of your vehicle. Here's how much it costs to insure your Fusion Titanium by car year:
Model year
Average Cost
Annual Savings with Jerry
If you drive a Ford Fusion Titanium , you can expect your insurance costs to vary depending on trim level, upgrades, and the coverage level you select. Here's how your insurance cost compares to other similar cars:

Best car insurance companies for your Ford Fusion Titanium

If you drive a Ford, you probably put a high value on the things Ford does best: reliability, practicality, and quality that stands the test of time.
Take a look at the table below to see the options different insurance companies offer for Ford Fusion Titanium drivers.
Insurance company
Average Cost
Annual Savings with Jerry
National General$3,827$1,663
Aspire Advantage$3,162$972
The General

Compare car insurance quotes for Ford Fusion Titanium

But with all the different insurance companies and coverage options out there, how do you find the right insurance? With support from Jerry’s insurance experts, switching policies is close to effortless—with no unwanted phone calls, no duplicate paperwork, and no long wait times.
See for yourself what real Jerry customers saved by shopping for Ford insurance in the app!
Quote DateZip CodeStateCityNameAgeInsurance Company
Before Jerry
After Jerry
January 25, 202308105NJCamdenSteven H.23Progressive$3,480$3,410
January 22, 202332608FLGainesvilleAllie T.27Progressive$3,000$2,846
January 21, 202393612CAClovisAmy S.29Aspire Advantage$3,000$785
January 13, 202375605TXLongviewRebecca F.22Progressive$2,400$1,732
January 9, 202342003KYPaducahTrevor S.38Progressive$1,699$1,168

Best car insurance companies for Ford Fusion Titanium drivers with bad driving records

Look—Jerry knows you’re not a bad driver. In fact, our research shows that nearly 50% of U.S. drivers would rate themselves as “great,” and over half of Americans believe they’re the best driver in their immediate family.
But, well, stuff happens. And when that stuff hits the fan—whether it’s that speeding ticket you got while you were vibing to Beyonce’s new single or the DUI you picked up after that night of bad decisions in college—insurance companies are likely to raise your rates and even label you a “high-risk driver." Take a look at the table below to see how Jerry customers with previous infractions adjusted their rates
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,084$919
Driving on Sus. License$7,970$4,786
Passing School Bus$6,240$3,450
Failure to Obey Traffic Sign$4,759$1,889
Speeding under 15$4,205$1,547
Defective Equipment$3,696$1,402
Leaving scene of an Accident/Hit and Run$3,564$1,324
Speeding over 15$3,633$1,117

How much does Ford Fusion Titanium insurance go up after a DUI?

If you get a DUI while driving your Fusion Titanium, you can expect your premium to increase by an average of 38%.

How much does Ford Fusion Titanium insurance go up after a speeding ticket?

We’ve all been there. If you get a speeding ticket in your Fusion Titanium, your insurance premium could increase by an average of 23%

Best Car Insurance for Ford Fusion Titanium by Age

If you’re a young driver, you might feel like you need literal superpowers to find decent car insurance at a fair price. That’s because most insurance companies label drivers under age 25 as “high-risk drivers”—regardless of their actual driving record!
The logic makes sense: because young drivers are less experienced, they tend to have statistically higher accident rates. Companies hike young drivers’ premiums to account for their perceived risk, even if their records are spotless.
If you’re under 25, you could be paying as much as $11 more every month for your insurance. Below is a comparison of average rates Jerry customers saw, broken down by age.

Best Car Insurance for Ford Fusion Titanium by Location

Maybe you’ve got a perfect driving record and you’ve got a decent number of years behind the wheel. But your insurance premiums are still high—why?
It’s all about risk. If you live somewhere with high rates of auto theft, traffic accidents, or severe weather, the risk to your vehicle goes up. Where you see your neighborhood, your insurance company sees a higher chance of expensive claims, and they’ll factor that into your premium.
So where can Ford Fusion Titanium drivers find the lowest rates—and where can you expect higher-than-average premiums? Take a look at the breakdown below.
Quote DateCar
Before Jerry
After Jerry
Zip codeStateNameAgeInsurance Company
January 31, 2023Toyota 4Runner SR5$100/mo.$93/mo.75603TXJerry O.33Progressive
January 25, 2023Honda Odyssey EXL$133/mo.$99/mo.03103NHEssie G.55Progressive
January 18, 2023Nissan Altima 2.5$345/mo.$205/mo.08527NJEric K.32Progressive
January 18, 2023Nissan Altima 2.5$287/mo.$207/mo.68154NEOscar B.45Progressive
January 27, 2023Hyundai Santa FE Sport$288/mo.$260/mo.07108NJEleanor S.38Progressive

Driving a Ford Fusion Titanium

Starting at $35,645, the versatile 2020 Ford Fusion Titanium offers buyers a choice of gas, hybrid, or hybrid plug-in engines so you can customize this midsize family sedan to your heart’s content.Let’s get the engines out of the way: first, there’s the 2.0L, 245-horsepower I-4 turbocharged gasoline engine, which you can upgrade from front-wheel to all-wheel drive for an extra $2,000. The 2.0L hybrid gas engine and electric motor reach a combined 195 horsepower, sold as the Ford Fusion Hybrid Titanium. Lastly, the Fusion Energi Plug-In Hybrid Titanium features the same powertrain plus an extra battery pack. In exchange for less trunk space, you can drive an extra 21 miles solely on electricity.The Titanium trim level takes the features of lower levels—like Ford Co-Pilot360 Assist, an 8-inch touchscreen, power-adjustable front seats, and keyless entry and ignition—and adds a sunroof, ambient lighting, heated seats, and a premium 12-speaker Sony sound system. The Fusion would almost have you believe it was more of a sports sedan than a family car—if the softness of its ride and handling didn’t give it away. What’s bad news for performance-hungry gearheads is good news for anyone looking for affordable car insurance, walks you through what you need to know about insuring the Ford Fusion Titanium—whether gas, hybrid, or hybrid plug-in.
If you own a Ford Fusion Titanium , here’s what you need to know about your vehicle:
  • The trim level you pick at the dealership affects your insurance rate. Opting for that top-of-the-line TRD trim will cost more upfront, and it’ll add to your monthly expenses.
  • Regular maintenance will keep your [model] in peak shape and help you avoid accidents that could raise your rate. Be sure to follow the recommended maintenance schedule in your owner’s manual!
  • If you bought your Ford Fusion Titanium new, it’s worth considering new car replacement insurance to protect your investment.
Choosing a lower trim level doesn’t mean missing out. Ford has been particularly generous with the Fusion’s features: FordPass Connect will give you an upgraded 8-inch touchscreen with Sync3, Apple CarPlay, and Android Auto. The SE also comes with a 2.0L, 245-horsepower I-4 engine upgrade.
Key Takeaway: The more your Ford Fusion Titanium is worth, the more you’ll pay to insure and drive it.

How can you save money on insurance for a Ford Fusion Titanium?

The average annual cost to insure a model is $3,215. But who says you have to be average? Here are a few hacks to help you save money on insurance.

Compare rates

You’ve heard it before: compare, compare, compare. When it comes to finding car insurance savings, comparison shopping is the name of the game.
Here’s why it works: every insurance company uses a different algorithm to set your rate. Unless you have the ability to automatically detect the optimal algorithm for your vehicle, age, zip code, etc., the only way to find the right coverage at the best rate is to compare quotes.
Actually, there is one other way—download the Jerry app, and let Jerry handle the algorithms (and the savings!) By answering a few simple questions, you can get instant access to Jerry’s pool of over 55 top insurance companies, and you’ll see rate comparisons in as little as 45 seconds!

Drive well to save

That’s right, safe driving could literally put money back in your pocket. Not only will tickets send your rate skyrocketing, but you’ll set yourself up for discounts if you can maintain a totally clean record.
If you’re close to that perfect clean record, try out a telematics program like Jerry’s Drive Well, Earn Perks to earn instant savings for your good on-road behavior. And if you’ve already got a driving history that’s, well, less than stellar, don’t despair: Jerry can still help you find low rates and improve your driving (and it’s all on your phone!).

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