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Cheapest Ford Fusion SE Car Insurance (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Ford Fusion SE
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Ford Fusion SE car insurance cost? 

The
average
auto insurance cost for Ford Fusion SE drivers is $102 per month for basic auto insurance and $193 for full coverage. These insurance prices are more expensive than other Ford Fusion models. 
Rates vary from driver to driver depending on the age, claims history, coverage preferences, and location of the policyholder. Your make and model is just one factor in the calculation when companies generate
quotes
.

Compare the cheapest Ford Fusion SE car insurance quotes

Overwhelm is normal when trying to find the cheapest car insurance, but many Ford Fusion SE drivers have gotten help finding the best rates from Jerry. Take a look at these auto insurance quotes that Jerry pulled for SE drivers like you.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
March 15, 2024
AAA
$165
• 50,000/100,000 Liability
• Comp / Collision
March 9, 2024
Allstate
$289
• 50,000/100,000 Liability
• Comp / Collision
March 8, 2024
Nationwide
$178
• State Minimum Liability
• Comp / Collision
March 4, 2024
Progressive
$195
• 100,000/300,000 Liability
• Comp / Collision
February 29, 2024
Infinity
$381
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 15, 2024
Even if two people drive an identical make and model, their auto insurance rates will vary because both people have different driver profiles. Driver age matters a lot, for example. A 30-year-old will pay less for a Ford Fusion SE insurance policy than an 18-year-old driver with the same car, even if both are safe drivers with clean driving records.
To know what you should expect to pay, pull personalized free quotes. Enter your Ford Fusion SE car insurance preferences and you’ll see a range of options from top insurers.

The best car insurance companies for Ford Fusion SE owners

No single company rises to the top as the best car insurance company for every single Ford Fusion SE driver. That’s because vehicle type is just one of many factors that affect your costs. 
Here’s the truth: Every company has a secret formula for calculating rates, and may weigh specific factors differently. For example, one company might care more about your past driving history whereas another cares more about theft rates in your zip code. Major auto insurance companies like
Allstate
,
GEICO
, and
State Farm
may offer good deals on Ford Fusion insurance costs, but so might smaller local insurers.
The cheapest insurance for a Ford Fusion SE driver is going to be unique to that driver, even though you own the same model and trim as thousands of other drivers.
Pull quotes for your unique driver profile to see who offers the cheapest insurance premiums for your risk factors. Remember to consider policy discounts to help lower your Ford Fusion insurance rates.
Here’s an overview of
car insurance companies
to help you find the right fit. Remember to consider more than just policy cost. Claims handling is pretty important, too. Check out these ratings of companies from real Ford Fusion SE drivers.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Average cost of Ford Fusion SE insurance

The typical expense for minimum liability coverage is $102 monthly or $1,224 annually. For Ford Fusion SE drivers who prefer full coverage, the average cost is a bit more expensive: $193 per month or $2,316 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$102
$1,224
Full coverage
$193
$2,316

How much car insurance do you need for a Ford Fusion SE?

Basic insurance coverage, also known as
minimum coverage
, is the least amount of protection required by law in your state. Limits vary by state, but minimum coverage only includes liability insurance, which pays out for damages you cause to other people and property.
On the other hand,
full coverage
offers more extensive protection with liability insurance, and generally,
collision coverage and comprehensive coverage
. These two insurance types payout for damage to your own vehicle, after the out-of-pocket deductible payment. 
Although a full coverage policy tends to be the most expensive Ford Fusion insurance cost, it offers the most protection for your vehicle, and your future finances. Drivers may also wish to consider higher liability limits of 50/100/50 or 10//300/100, plus add-on insurance, such as
uninsured motorist coverage
and roadside assistance.

How do Ford Fusion SE insurance quotes compare to other Ford Fusion car insurance rates?

Depending on your trim, your Ford Fusion costs can vary. Currently, the Ford Fusion SE costs less to insure than other models, like the Fusion S Hybrid, or Fusion Titanium/Platinum models. Take a look at this table to understand the average rates for Ford Fusion insurance by trim.
Car Model & TrimAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
Fusion Titanium/platinum Phev
$69
$121
$84
$209
Fusion S
$94
$194
Fusion SEL
$94
$179
Fusion Titanium
$96
$195
Fusion Titanium Phev
$96
$187
$102
$193
$105
$189
Fusion SE Phev
$108
$196
$110
$171
Fusion S Hybrid
$113
$226
Fusion Titanium HEV
$113
$176
Fusion SE Hybrid
$117
$197
Fusion Titanium/platinum
$129
$195
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Ford Fusion SE insurance cost by model year

The average insurance cost of your Ford Fusion SE insurance is influenced by its model year, aka the year it was produced in the factory. Each model has a unique configuration of risk (or safety) factors, such as airbags, anti-lock brakes, or other anti-theft devices that can cause rates to fluctuate.
In general, newer models tend to cost more to insure because they have better technology that costs more to replace. Plus, the cash value of newer models is higher. Older Ford Fusion SE models, however, tend to get lower rates.
Take a look at the tables below to see how your Ford Fusion SE costs compare against others in its same year.

2020 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$154
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$147
• State Minimum Liability
• Comp / Collision
Nationwide
$139
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$285
• 100,000/300,000 Liability
• Comp / Collision
Infinity
$184
• State Minimum Liability
coverageLast Updated Mar 18, 2024

2019 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Travelers
$246
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$128
• State Minimum Liability
• Comp / Collision
Mercury
$165
• 50,000/100,000 Liability
• Comp / Collision
Plymouth Rock
$631
• State Minimum Liability
• Comp / Collision
Clearcover
$97
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 18, 2024

2018 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$227
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$171
• 50,000/100,000 Liability
• Comp / Collision
Mercury
$98
• 100,000/300,000 Liability
• Comp / Collision
State Auto
$378
• State Minimum Liability
• Comp / Collision
Infinity
$227
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 13, 2024

2017 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$263
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$340
• 50,000/100,000 Liability
• Comp / Collision
AAA
$512
• State Minimum Liability
• Comp / Collision
Nationwide
$61
• 50,000/100,000 Liability
• Comp / Collision
Infinity
$64
• State Minimum Liability
coverageLast Updated Mar 16, 2024

2016 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$83
• State Minimum Liability
Nationwide
$124
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$126
• 100,000/300,000 Liability
• Comp / Collision
AAA
$236
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$237
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 17, 2024

2015 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Infinity
$215
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$107
• 100,000/300,000 Liability
• Comp / Collision
National General
$67
• State Minimum Liability
Mercury
$162
• State Minimum Liability
• Comp / Collision
State Auto
$278
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 18, 2024

2014 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$107
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$143
• 100,000/300,000 Liability
• Comp / Collision
AAA
$368
• State Minimum Liability
• Comp / Collision
Allstate
$146
• 50,000/100,000 Liability
• Comp / Collision
Infinity
$381
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 18, 2024

2013 Ford Fusion SE car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Safeco
$147
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$157
• 100,000/300,000 Liability
• Comp / Collision
AAA
$92
• State Minimum Liability
• Comp / Collision
Travelers
$179
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$361
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 17, 2024

Are Ford Fusion SEs expensive to insure? 

Ford Fusion SEs cost 1% more to insure compared to the national average for other models in a similar price range. Here are some of the costs of insurance for similar models:
ModelAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
$36
$126
$52
$201
$66
$67
Ford F-350
$74
$117
Ford F-450
$74
$137
Ford Windstar
$74
$92
Ford F-250
$76
$123
$76
$134
Ford Freestyle
$77
$135
$80
$120
$85
$121
$85
$171
Ford Fiesta
$86
$182
Ford Econoline
$87
$125
Ford Flex
$87
$188
Ford F-150
$88
$120
Ford C-Max
$90
$161
$90
$169
Ford Five Hundred
$95
$150
Ford Crown Victoria
$96
$206
$99
$205
Ford Edge
$101
$143
$102
$150
$103
$187
$104
$122
$110
$171
$114
$161
$115
$173
Ford Contour
$122
$181
$122
$140
A lot of factors affect your insurance rates beyond its model year and trim level. These include the car’s MSRP, theft rate, and cost of repairs. Safety ratings are also very important to insurance providers. Cars with better safety features and crash test ratings are less likely to get into accidents (and cost the company money). 
Here’s where the Ford Fusion SE stands regarding safety ratings. These ratings come from the official Insurance Institute for Highway Safety (IIHS).
Rating TypeRating
Small overlap front: driver-side
Good
Small overlap front: passenger-side
Good
Moderate overlap front: original test
Good
Side: original test
Good
Roof strength
Good
Head restraints & seats
Good
Headlights
Poor
Front crash prevention: vehicle-to-vehicle
Superior
LATCH ease of use
Marginal

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Kianna Walpole
badge icon
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.