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The redesigned Ford Fusion made a splash when it hit markets in 2010 and the 2011 model maintains the tradition. If you’re considering a Ford Fusion it’s important to research the vehicle’s long-term cost of ownership and not just its MSRP.

A vehicle’s ownership costs include car insurance premiums, fuel, scheduled maintenance, and repairs, and a car that seems like a great deal on the surface may turn out to be a poor choice once you learn more about its long-term costs.

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How much is Auto Insurance for the Ford Fusion?

When it comes to auto insurance rates, the Ford Fusion stacks up well against the competition. Edmunds estimates that auto insurance premiums for this midsize sedan will cost the average driver around $1,483 annually, or about $124 per month.

To insure the competing Hyundai Sonata, Edmunds expects the average driver to pay around $1,508 per year, and Toyota Camry owners can expect to pay around $1,633 annually.

Edmunds’ data indicates that the Honda Accord is a bit more affordable to insure, at about $1,420 a year. Remember that Edmunds only provides estimates, though.

For personalized Ford Fusion auto insurance rates, enter your zip code in the box above.

Ford Fusion Repair and Maintenance Costs

Although auto insurance rates for the Ford Fusion appear to be lower than average, Edmunds estimates that scheduled maintenance costs for this vehicle are higher than the mean.

Drivers can expect to pay around $3,411 for scheduled maintenance during the first five years that their Fusion is on the road, including nearly $300 during the first year.

By way of comparison, Hyundai Sonata and Camry owners can expect to pay about $3,000 during the first five years of ownership. Scheduled maintenance for the Honda Accord is the most affordable, at around $2,872 for the first five years.

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Repair costs for the Fusion are also higher than average, at an estimated $838. Drivers can expect to make the first repairs sometime during the third year of ownership, according to Edmunds.

Accord and Camry owners can also expect to pay for repairs beginning the third year the vehicle is on the road, but the total repair costs for the first five years are estimated to be about $100 less than for the Fusion.

If you choose the Hyundai Sonata, your repair costs will be about $200 less than for the Fusion, and Edmunds does not foresee repair costs until the fifth year of ownership.

Fuel Costs for the Fusion

Car insurance rates for the Fusion are competitive, but it doesn’t stand out in its category when it comes to repair and maintenance costs or fuel costs. With an EPA-rated 22 city mpg and 32 highway mpg, the Hyundai Sonata, Kia Optima, and Honda Accord all offer significantly better fuel economy than the Fusion.

The Toyota Camry and the Chevrolet Malibu both tie with the Fusion when it comes to fuel efficiency in city driving, but they offer slightly better highway fuel economy at 33 mpg.

There are also a host of hybrid options in the affordable midsize car category that will save you money on fuel.

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Ford Fusion Safety Ratings and Features

The Ford Fusion may not be the best value when it comes to long-term ownership costs, but drivers can rest assured that this midsize sedan has some of the best safety ratings in its class.

The Insurance Institute for Highway Safety (IIHS) designated the Fusion a “Top Safety Pick” for 2011, based on the vehicle’s scores in all four major crash-testing categories.

The federal government has not completed testing for the 2011 Fusion, but the 2010 model earned top scores in front-impact and rollover tests.

It also earned the full five stars for protecting the driver in side-impact collisions, and four stars for protecting rear passengers in side-impact collisions.

The Ford Fusion is equipped with standard safety features like 4-wheel anti-lock brakes, a tire pressure monitoring system, and electronic stability control.

The Fusion is also equipped with the innovative MyKey system, which allows parents to program the car to impose safety restrictions when their children are behind the wheel.

The system makes it possible to set a limit on the vehicle’s maximum speed and audio volume, and parents can also set MyKey to keep the car’s audio muted if seat belts are not buckled.

Ford Fusion Reviews and Ratings

U.S. News and World Report ranks the 2011 Ford Fusion #1 in the “Affordable Midsize Car” category. It beat out rivals like the Hyundai Sonata, the Toyota Camry, and the Honda Accord, as well as its #2-ranked hybrid cousin.

In addition to the vehicle’s high safety ratings, reviewers appreciate the Fusion’s luxurious, high-tech interior and responsive handling, which they say are difficult to find in other comparably-priced sedans.

For the Fusion’s starting MSRP of $19,850, you’ll get a 2.5 liter, 4-cylinder engine. For drivers looking for more power, the Fusion also comes with 3.0 and 3.5 liter V6 options. An all-wheel drive option is available as well.

The Fusion is not the most powerful midsize sedan on the road, even with the V6, but it wins lots of praise from reviewers for its handling.

Edmunds calls it “engaging,” and Autoblog says that it’s a “fun drive.” Kelley Blue Book also notes the Fusion’s “precise” steering feel.

Inside, reviewers love the addition of Ford’s SYNC infotainment system, which allows the driver to control audio, navigation, and climate functions through voice commands. The Fusion is also outfitted with a tilt and telescopic steering wheel and standard cruise control.

If you’ve decided that the Fusion is the car for you, don’t forget to enter your zip code above for personalized auto insurance quotes!

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