Ford Fusion Hybrid Car Insurance Review
The Ford Fusion lineup, including the Ford Fusion Hybrid, was voted “North American Car of the Year” for 2010, and it has continued to impress reviewers right up to the 2012 model year. The Ford Fusion and the Fusion Hybrid placed at the top of U.S. News and World Report’s list of the best affordable midsize cars on the market, and Edmunds reports that the these models are still top choices in their class. The auto press agrees that the 2012 Fusion Hybrid drives pretty much like the regular Ford Fusion, and it features a comfortable interior with generous standard features. For more information about the 2012 Fusion Hybrid, keep reading.
Ford Fusion Hybrid Car Insurance
Data from the National Automobile Dealers Association (NADA) indicates that drivers will generally pay about $1,271 a year in car insurance premiums for the 2012 Ford Fusion Hybrid, or about $106 per month. That rate is estimated for Fusion Hybrid owners with more than six years’ driving experience under their belts, though. With a driving record that’s just three to six years long, the NADA projects that you’ll spend $200 a month on car insurance, and if you have less than three years of documented experience on the road, you’ll pay about $303 per month.
Hybrid Car Insurance Rate Comparison
The Honda Civic Hybrid has some of the lowest average auto insurance rates in its class, at $1,109 a year or $92 a month. At $1,268 annually and just under $106 monthly, the Nissan Altima Hybrid’s average car insurance rates are about the same as the Fusion Hybrid’s. For Chevrolet Volt car insurance, you’re likely to pay more. Rates for this hybrid average $1,373 a year or $114 a month.
Average car insurance rates for the Hyundai Sonata Hybrid are almost $20 more per month than the Volt’s, at $132. That adds up to an annual premium of approximately $1,583. Some of the highest car insurance rates in the hybrid category belong to the Toyota Camry Hybrid and the Toyota Prius. On average, owners pay $1,600 a year or $133 per month to insure these vehicles.
2012 Fusion Hybrid Maintenance
The NADA estimates that you’ll pay a total of $2,431 in maintenance costs during the first five years that you own your 2012 Fusion Hybrid. The highest annual maintenance bill of over $1,400 will come during the third year of ownership, while the lowest annual bills will be those for the first and second years. Altogether, they should total less than $400. The Fusion Hybrid’s fourth annual routine maintenance bill will total around $331, and the bill for the fifth year is projected to be about $270.
Routine maintenance costs for the traditional Ford Fusion are over $300 less than the Fusion Hybrid’s. Compared to what you’ll pay to maintain most other hybrids, though, the Fusion Hybrid’s costs aren’t bad at all. The Nissan Altima Hybrid will rack up about $2,622 in maintenance costs over five years, according to the NADA. You’ll spend about $2,994 on maintenance for a Sonata Hybrid, and it could cost $5,000 or more to maintain a Toyota Prius for five years.
Fusion Hybrid Warranty and Repairs
Since the 2012 Fusion Hybrid comes with a 36-month/36,000-mile limited warranty, most drivers don’t owe anything for repairs until the third year they drive their cars. According to the NADA, the Fusion Hybrid’s third-year repairs usually total $427. For each of the two subsequent years, drivers will pay about $700 for repairs each year. That all sums up to around $1,800, which is over $150 more than the $1,627 estimated repair bill for the traditional Ford Fusion.
In addition to its limited warranty, the Fusion Hybrid is also covered by a 60-month/60,000 mile powertrain warranty and a 96-month/100,000-mile warranty on hybrid components. The Fusion Hybrid’s limited and powertrain warranties meet the industry standard, and this vehicle is one of the few to offer an additional warranty for hybrid components.
2012 Fusion Hybrid Fuel Economy
The Toyota Prius is still the class leader when it comes to fuel economy, since it gets 51 city mpg and 48 highway mpg. However, the 2012 Fusion Hybrid comes in second on city fuel economy, getting 41 mpg. Its 36 highway mpg is also impressive, but the Honda Insight gets 43 highway mpg and the Chevrolet Volt gets 40 highway mpg. The Ford Fusion Hybrid’s fuel economy is much stronger than the Toyota Camry Hybrid’s, at 31 city mpg/35 highway mpg. The Nissan Altima gets 33 mpg in both city and highway driving.
If you’re willing to sacrifice some space, comfort, and convenience to achieve optimal fuel economy, you might also consider one of the all-electric vehicles that are now on the market. The Nissan Leaf, the Mitsubishi i-MiEV, and the Smart Fortwo are available in dealerships now, and the Scion iQ will be available in 2012.
2012 Fusion Hybrid Crash Test Ratings
Both the 2011 and 2012 Ford Fusion Hybrids were rated “Top Safety Picks.” This designation, awarded by the Insurance Institute for Highway Safety (IIHS), indicates that a vehicle has performed at the highest possible level in crash tests. The Fusion Hybrid earned “Good” ratings in front and side collision tests, and it also garnered a “Good” rating on the IIHS’ roof strength test. This assessment measures how effectively the vehicle’s body design protects passengers in rollovers. In the IIHS’ whiplash protection test, the Fusion Hybrid was also rated “Good.” Other hybrids earning “Top Safety Pick” status include the Prius, the Volt, and the Sonata and Civic Hybrids.