How much is auto insurance for a Ford Fusion Hybrid?
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UPDATED: May 15, 2019
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Since it entered production in 2009, the Ford Fusion Hybrid has been a favorite of auto critics. That year, it was listed among Kelley Blue Book’s “Top 10 Green Cars,” and it also made Car and Driver magazine’s “10 Best Cars” list.
In 2010, the Fusion Hybrid received one of the most prestigious honors available from the automotive industry, the “North American Car of the Year” award.
It has also made the top-ten green car lists of publications ranging from Consumer Reports to Mother Earth News.
That same year, the Ford Fusion line-up, including the Fusion Hybrid, won Motor Trend’s “Car of the Year” award.
So what do reviewers love so much about the Fusion Hybrid?
For one, its average fuel economy is surpassed only by the Toyota Prius and the Honda Insight. The Prius’ fuel economy rating is 51 city mpg/48 highway mpg, and the Insight’s rating is 40 city/43 highway mpg.
The 2012 Fusion Hybrid delivers 41 city/36 highway mpg, but what the auto press really raves about is its drivability.
Reviewers say that when you’re behind the wheel of a Prius or an Insight, you’ll never forget that you’re in a hybrid.
However, the 2012 Fusion Hybrid drives like a “normal” car, with a smooth continuously variable transmission and sufficient horsepower to keep up with its gasoline-powered counterparts.
If you’re in the market for a 2012 Ford Fusion Hybrid, keep reading for important info about this vehicle’s fuel economy and ownership costs, including auto insurance and maintenance expenses.
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2012 Fusion Hybrid Auto Insurance
According to reports from the National Automobile Dealers Association (NADA), it will cost the average owner about $1,271 per year to insure a 2012 Ford Fusion Hybrid.
That’s actually a bit less than what drivers will pay to cover a gas-powered Fusion, and it’s nearly identical to the projected $1,268 rate for the Nissan Altima Hybrid.
Honda Civic Hybrid drivers will pay less than Fusion Hybrid drivers for coverage on average, with estimated annual bills of $1,109.
The Chevrolet Volt costs about $100 more than the 2012 Fusion Hybrid to insure, with an anticipated yearly premium of $1,373.
Projected annual rates for Sonata Hybrid auto insurance are $1,583, and the NADA expects that you’ll pay about $1,600 per year for auto insurance if you own a Toyota Camry Hybrid or a Toyota Prius.
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Fusion Hybrid Warranty and Repair Costs
The 2012 Fusion Hybrid is covered under Ford’s standard 3-year/36,000 mile basic warranty and its 5-year/60,000 mile powertrain warranty, which includes roadside assistance.
However, the Fusion Hybrid also comes with a supplementary 8-year/100,000 mile warranty for its hybrid powertrain components. For most drivers, this hybrid’s limited warranty will expire early in the third year of ownership.
The 2012 Fusion Hybrid’s typical third-year repair costs will total just over $400, and the fourth-year and fifth-year repair bills will both near $700.
That means that most drivers will pay a combined bill of about $1,774 for repairs over five years, which is more than double the $636 that you’d pay for five years’ worth of repairs on a Hyundai Sonata Hybrid.
Repairs for the Toyota Camry Hybrid, the Chevrolet Volt, and the Toyota Prius all cost between $750 and $850 for five years.
The NADA calculates that you’ll pay between $1,400 and $1,500 in repair costs for the Altima Hybrid and the Civic Hybrid over the same time period.
2012 Fusion Hybrid Maintenance Costs
The Ford Fusion Hybrid’s 5-year maintenance costs will be approximately $2,382, the NADA reports. That’s quite a bit lower than the $3,411 that drivers are projected to pay to maintain a gas-powered Ford Fusion, and it’s also less than what you’d pay to maintain an Altima Hybrid or a Sonata Hybrid.
These vehicles have projected 5-year maintenance costs of $2,622 and $2,994, respectively.
The Fusion Hybrid’s maintenance costs are also more than $2,500 less than those for the Camry Hybrid and the Prius. However, you’d save a few to a few hundred dollars on scheduled service costs by opting for a Civic Hybrid or a Volt.
2012 Ford Fusion Hybrid Safety
The 2012 Ford Fusion line-up, including the hybrid model, earned the title “Top Safety Pick” from the Insurance Institute for Highway Safety (IIHS).
This title is given to vehicles that receive the highest out of four ratings on the IIHS’ four standard safety tests.
These include a rear impact test that assesses the vehicle’s whiplash protection features, a roof strength test that measures its ability to withstand rollovers, and front and side impact tests.
Other “Top Safety Picks” in the hybrid category include the Prius and the Sonata Hybrid.
2012 Fusion Hybrid Fuel Economy
It’s a given that you can expect strong fuel economy ratings from a hybrid vehicle like the Fusion, but is it worth the price premium?
The Environmental Protection Agency (EPA) estimates that the 2012 Fusion Hybrid, which costs $8,750 more than the base model gas-powered Fusion, will rack up $1,317 worth of fuel expenses each year.
This estimate is based on a driver who clocks 15,000 miles per year, 55% of which are in the city and 45% of which are on the highway.
This driver would spend $1,981 per year on fuel with a traditional Ford Fusion. That’s an additional $664 per year, which means you’d have to drive the Fusion Hybrid for over 13 years to make up the price premium in fuel savings.
However, the Fusion Hybrid uses just 8.8 barrels of oil for every 13.2 barrels that the traditional Fusion uses, and it emits just 4.8 tons of CO2 for every 7.2 tons that the traditional Fusion emits.