Ford Fusion vs Chrysler 200 Insurance Cost

The Chrysler 200 is cheaper to insure by about $95 a year for full coverage by our estimate ($1,355 vs. $1,260), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Ford Fusion	Chrysler 200	Difference
State minimum	$605	$605	—
Standard (100/300/100)	$880	$880	—
Full coverage	$1,355	$1,260	+$95

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Fusion minus 200.

Why one costs more to insure

Factor	Ford Fusion	Chrysler 200
Segment	Midsize car	Midsize car
Powertrains	Gasoline, Hybrid, Plug-in hybrid, Flex-fuel	Gasoline, Flex-fuel
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	6	9

Fusion vs 200 insurance by state

State	Fusion	200	Difference
Alabama	$1,155	$1,065	+$90
Alaska	$1,175	$1,090	+$85
Arizona	$1,425	$1,330	+$95
Arkansas	$1,155	$1,055	+$100
California	$1,305	$1,200	+$105
Colorado	$1,520	$1,405	+$115
Connecticut	$1,465	$1,375	+$90
Delaware	$1,560	$1,480	+$80
District of Columbia	$1,690	$1,570	+$120
Florida	$2,020	$1,925	+$95
Georgia	$1,725	$1,630	+$95
Hawaii	$915	$845	+$70
Idaho	$910	$845	+$65
Illinois	$1,160	$1,070	+$90
Indiana	$950	$875	+$75
Iowa	$880	$795	+$85
Kansas	$1,045	$950	+$95
Kentucky	$1,145	$1,065	+$80
Louisiana	$1,885	$1,760	+$125
Maine	$845	$780	+$65
Maryland	$1,535	$1,435	+$100
Massachusetts	$1,325	$1,230	+$95
Michigan	$1,460	$1,355	+$105
Minnesota	$1,105	$1,015	+$90
Mississippi	$1,270	$1,170	+$100
Missouri	$1,210	$1,115	+$95
Montana	$1,040	$945	+$95
Nebraska	$1,045	$955	+$90
Nevada	$1,620	$1,550	+$70
New Hampshire	$950	$875	+$75
New Jersey	$1,680	$1,595	+$85
New Mexico	$1,200	$1,110	+$90
New York	$1,860	$1,755	+$105
North Carolina	$975	$885	+$90
North Dakota	$815	$735	+$80
Ohio	$950	$880	+$70
Oklahoma	$1,185	$1,085	+$100
Oregon	$1,245	$1,180	+$65
Pennsylvania	$1,155	$1,060	+$95
Rhode Island	$1,665	$1,570	+$95
South Carolina	$1,480	$1,395	+$85
South Dakota	$970	$870	+$100
Tennessee	$1,100	$1,010	+$90
Texas	$1,575	$1,455	+$120
Utah	$1,255	$1,185	+$70
Vermont	$845	$770	+$75
Virginia	$1,160	$1,080	+$80
Washington	$1,200	$1,130	+$70
West Virginia	$1,095	$1,005	+$90
Wisconsin	$905	$830	+$75
Wyoming	$990	$890	+$100

By driver profile (full coverage)

Driver	Fusion	200
Teen driver (18, own policy)	$3,720	$3,465
Young adult (22)	$2,165	$2,015
Adult in their 30s	$1,355	$1,260
Adult in their 50s	$1,245	$1,160
Senior (72)	$1,515	$1,410
30s, one at-fault accident	$1,960	$1,825
30s, DUI on record	$2,505	$2,330

More comparisons

Frequently asked questions

Is the Ford Fusion or the Chrysler 200 cheaper to insure?

By our estimate the Chrysler 200 is cheaper, by about $95 a year for full coverage ($1,355 vs. $1,260) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Fusion and Chrysler 200?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page