Ford Fusion insurance group and cost

The Ford Fusion is a decent mid-size family car that performs well in the most important aspects. It was produced between 2002 and 2012 and sold reasonably well during that time. You'll learn everything you need to know about insuring this vehicle in the guide below.

Ford Fusion insurance groups and cost

In the table below, we show you the insurance group for each Ford Fusion model and also the likely cost at a few different ages.

• How we got these rates

  These premiums are based on quotes for vehicles for drivers aged 20 to 50 in each of the 50 insurance groups. The average price was generated by getting a quote from a cheap (TR8), mid-range (CH1) and expensive (E10) postcode. Correct as of May 2025.

Average Ford Fusion insurance cost

To provide you with an idea of how much it may cost you to insure your Ford Fusion, we ran several quotes to find an average figure. Based on our results, on average, you could insure your Ford Fusion with a comprehensive policy for £623.41 yearly, or £56.91 paying monthly.

• How we got this rate

  We generated these quotes using the following assumptions about the vehicle and the driver. We looked at prices for a driver aged 20, 30, 40 and 50. For each age category we took the average price of the 3 best quotes. We said the 20-year-old driver has 3 years of driving experience, the 30-year-old driver has 13 years of driving experience, the 40-year-old driver has 23 years of driving experience and the 50-year-old driver has 25+ years of driving experience, as that is the quote engine's largest option. We used a cheap (TR8), mid-range (CH1) and expensive (E10) postcode for each hypothetical driver.

  All other factors were the same. These were:

  The vehicle:

  • Has a factory-fitted alarm system
  • Hasn't been modified
  • Would be parked in a work car park during the day
  • Would be parked on a driveway at night
  • Hadn't been bought yet but would be by the time the policy starts
  • Isn't fitted with a dashcam

  The driver:

  • Is a teacher
  • Is male
  • Is a non-homeowner
  • Has had no accidents or claims in the last 5 years
  • Has had no motoring convictions, driving licence endorsements or fixed penalty points in the last 5 years
  • Doesn't have any unspent non-motoring convictions
  • Has no medical conditions
  • Has never had insurance declined, cancelled or special terms imposed
  • Has lived in the UK continuously since birth
  • Is single and has no children
  • Has a full UK manual licence
  • Doesn't have use of another vehicle
  • Doesn't have any medical conditions
  • No driving or other convictions in the last 5 years

  Other factors:

  • We used 1 January as the birthday for each driver, alongside their respective birth year
  • We looked for quotes with a 3-year no-claims discount
  • We chose a voluntary excess of £500
  • We didn't protect the no-claims bonus
  • We looked for quotes for comprehensive policies
  • We didn't include additional drivers
  • We opted for an annual payment
  • We used cars that were first registered in 2020, with an aim to find a mid-range car in that group
  • The policy is for social, domestic and commuting purposes
  • We looked at policies covering 10,000 miles per year

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Ford Fusion insurance cost by location

The table above shows the average cost of Ford Fusion insurance based on insurance groups and driver age. However, there are a number of other factors that affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you'll be involved in an accident, and this affects the cost of insurance.

To show the power of the postcode, here are some average quotes for a 30-year-old living in 3 different locations. The quotes are for a Ford Fusion 1.4 Style 5d Auto.

• Expensive: £763.28 (London E10)
• Mid-range: £547.57 (Chester CH1)
• Cheap: £365.98 (Newquay TR8)

What factors affect my Ford Fusion insurance rate?

We've covered insurance groups, age and location. Here are some of the other factors that affect your insurance premium costs:

• Your marital status
• Your credit history and job
• Your car's safety rating score
• The model of your car
• The age of your car
• Your car's security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity
• No-claims discount

How can I save on my Ford Fusion premiums?

When searching for insurance, you'll want to find the best deal for a price that's within your budget. We've uncovered some tricks you can try to lower the cost of your premium, and we've listed them below.

• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, if you're able to pay annually you can save an average of £59.52 a year.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you're quite likely to lower your premium.
• Clear out the garage! If you have a garage – clear it out and park your car there. Parking your car in a garage reduces your risk to insurers and therefore reduces your premiums too.
• Consider any named drivers. Only name drivers on the insurance policy that regularly drive the vehicle, you can easily add on others at a later date or get them temporary cover.
• Don't just accept your renewal quote. When it's time for renewal, it's worth investing a couple of hours to shop around: there may be cheaper options out there.

Bottom line

As we've shown, factors like where you live, how old you are, whether you want to pay monthly or annually, and the specific variant of Ford Fusion you're insuring all have a major impact on the cost of cover. In fact, the best prices we found ranged from £319.07 to £1,770.87, and that's based on shopping around to find a competitive deal. Unfortunately, if you don't shop around, there's every chance you could end up paying more than you have to.

Frequently asked questions

• What body styles are available for the Ford Fusion?

  5 Door Hatchback.

• What type of gearbox does the Ford Fusion have?

  Depending on the model, the Ford Fusion can be automatic or manual.

• Is the Ford Fusion front- or rear-wheel drive?

  Front wheel drive.

• What is the horsepower of a Ford Fusion?

  The Ford Fusion has a power output ranging from 68 to 100 horsepower depending on the model.

• What is the engine size of a Ford Fusion?

  The Ford Fusion has cubic capacities ranging from 1388 to 1596cc. That's 1.4 to 1.6-litre in plain English!

• What fuel does the Ford Fusion use?

  Depending on the model, the Ford Fusion can use diesel or petrol.

• How many seats does the Ford Fusion have?

  The Ford Fusion can have or 5 seats, depending on the model.

• How many doors does the Ford Fusion have?

  5.

• How long was the Ford Fusion in production?

  The Ford Fusion was produced between 2003 and 2012.

• How much car tax do I have to pay for the Ford Fusion?

  The UK standard car tax rate for cars registered after April 2017 is £195 per year. However, you might pay more or less in year 1 depending on your car's emissions.

• Where can I buy a Ford Fusion?

  You can buy an Ford Fusion online or by visiting your local Ford retailer. There is also a range of used Ford Fusions available to buy through various motor resellers and websites such as AutoTrader or Motors.

The Ford Fusion is a decent mid-size family car that performs well in the most important aspects. It was produced between 2002 and 2012 and sold reasonably well during that time. You’ll learn everything you need to know about insuring this vehicle in the guide below.

Why choose a Ford Fusion?

The Ford Fusion sits in a hugely competitive market. While there’s nothing that makes this car the world’s best family sedan, it provides a good ride for the price.

Which insurance group does the Ford Fusion fall under?

Ford Fusion car models sit within car insurance groups 7-14, so you can expect them to be far cheaper than the average vehicle to insure.

The cost will vary depending on what model of Ford Fusion you choose. A 30-year-old driver in an average postcode could pay around £689 for cover on a Ford Fusion 1.4 1 5d that is in insurance group 7 or around £704 for a Ford Fusion 1.6 3 5d Auto that is in insurance group 13. From this comparison, we can see the impact of premium pricing when one car is in a much higher insurance group.

You can find out the insurance group of your Ford Fusion model and how much you’re likely to pay for your car insurance using the table below.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK.

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Ford Fusion insurance cost by location

Your location plays a key role in the cost of your car insurance premiums.

To show the impact of your address, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Ford Fusion 1.6 2 5d.

• Expensive: £1,005 (London SE1)
• Average: £704 (Newcastle NE1)
• Cheap: £703.11 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations.

Which factors affect my Ford Fusion insurance rate?

Here are some of the key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. Cars with larger engines cost more to insure. For example, it may cost £901 to insure a Ford Fusion 1.4 1 5d Auto, while it may cost around £1,092 for a Ford Fusion 1.6 Titanium 5d Auto.
• Driver location. Your location plays a key role in how much it will cost to insure a vehicle. Insurers will use previous data to calculate the likelihood of someone from your local area making a claim and adjust your premium to reflect this risk. A 30-year-old in central London may pay £1,092 for insurance for a Ford Fusion 1.6 + 5d Auto, while the same 30-year-old in Newcastle may only pay £712. That’s an example of a £145 difference based only on the city you live in.
• Driver age. Your age plays a key role when it comes to the insurance premiums offered to you. As an example, the average 20-year-old driver in London may pay £2,533 for the Ford Fusion 1.4 TDCi + 5d, while the average 40-year-old Londoner will only pay £767. The youngest drivers have to pay a lot more to insure their vehicle because they are statistically far more likely to make a claim.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• The model and age of your car
• Your car’s safety rating score, security features and anti-theft precautions
• Your annual mileage, driving history and activity
• Your no-claims discount

How can I save on my Ford Fusion premiums?

Whilst car insurance is a necessary legal requirement, it doesn’t need to break the bank. Here are some ideas to reduce the cost of your premium:

• Limit your car usage (where possible). When you lower your annual mileage, insurers will lower your premium as you’ll be deemed a lower risk of making a claim.
• Pay annually rather than monthly. You’ll avoid paying interest on your monthly repayments by paying annually.
• Install extra safety precautions. The safer your car is, the less of a risk you’ll be perceived as by insurers. As such, by adding extra safety measures, you’re quite likely to lower your premium.
• Shop around for the best deal. Although it might be time-consuming, it’s a good idea to search price comparison websites to find the best deal on your insurance renewal. Don’t blindly accept your renewal deal.

Bottom line

The Ford Fusion is an average and unexciting car in a lot of ways, but at least you’ll pay well below the average rate to insure it. Better yet, you can reduce your premiums even more by following this tips in this guide.

Frequently asked questions

• What is the top speed of a Ford Fusion?

  Depending on the model version, Ford Fusions can reach top speeds of 155 mph.

• Is the Ford Fusion safe?

  This car received a four-star rating from Euro NCAP for protecting adult occupants. It received just two stars for protecting pedestrians.

• How much car tax do I have to pay for the Ford Fusion?

  The UK standard car tax rate starts at £140 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Ford Fusion?

  You can buy a Ford Fusion online or by visiting your local Ford Fusion retailer. There is also a range of used Ford Fusions available to buy through various motor resellers and websites such as Auto Trader or Motors.

• What engine size is the Ford Fusion?

  You can choose between a 1.4-litre and 1.6-litre engine.

• Is the Ford Fusion any good?

  The Ford Fusion is a comfortable mid-size family car. In one of the most competitive classes, this is up there with the best when it comes to offering smooth handling and a luxurious design.

• Where can I find Ford Fusion car insurance?

  You can compare the costs of insuring a Ford Fusion using any price comparison website.

• Is a Ford Fusion expensive to insure?

  This depends on the specific model of Ford Fusion you have. Fusion models fall in insurance groups 7-14, so you can expect to pay less than average to insure this vehicle.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

Danny's expertise

Danny has written 306 Finder guides across topics including:

• Car, home and business insurance
• Helping people save money on their insurance
• Project management
• Giving valuable insights to website visitors

Co-written by

Jason Loewenthal

Senior writer

Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio