is a ford fusion cheaper to insure than honda civic?

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Asked September 9, 2016

1 Answer


On average, it costs $19,148 to buy a Honda Civic, while the Ford Fusion costs $24,706. However, the price of a car is not the only consideration you should make when purchasing it. You need to be sure that you will still be able to afford the car after you purchase it.

A good way to determine which is better between a Honda Civic and a Ford Fusion is to compare the True Cost to Own data. The data is compiled annually and is of the highest standards. It takes into account factors such as taxes, depreciation, titling, fuel, maintenance costs, repair costs, and depreciation.

True Cost to Own: Ford Fusion vs. Honda Civic

The TCO is calculated on a five-year average. It is the average amount you will have spent on the car within the first five years. A Honda Civic will cost $28,908 while a Ford Fusion will cost $31,785. However, you should not assume this price is due to the initial buying price. On average, the Ford Fusion has a similar price range to the Honda Civic. The recurring costs are what lead to these huge differences in price. However, there is a huge difference in what you will have spent in five years. Clearly, the Honda Civic has an advantage.
Comparison of the Cost of Insuring These Cars

It costs on average $6,169 to insure the Ford Fusion for five years. On the other hand, it costs $5,647 to insure a Honda Civic for five years on average. Consequently, you will pay about $500 less if you purchase a Honda Civic.

Why Are the Insurance Costs for Honda Civic Lower?

The latest model of the Honda Civic has some great safety features. Safety is an important feature when the insurance companies are determining how much it will cost to insure a car. Clearly, the Honda Civic is amazing. The Honda Civic is fitted with the Honda sensing technology. The system takes over the brakes in to reduce the chances of an accident. Such a feature is wholly lacking in the Ford Fusion. Although both of them have forward collision warning, the Ford Fusion lacks the superiority of the Honda Civic’s lane keeping assist and Honda lane watch. The superior safety features on the Honda Civic have undoubtedly influenced the insurance costs of these cars.

The Honda Care VSC Plan is another awesome feature. Within the first three years, all Honda Civics qualify to join this plan. It means the owner does not incur the cost of taking the car to the dealership. Owning a Honda Civic seems like the right choice to make. The Ford Fusion is simply lagging behind in terms of affordability and insurance costs.

Answered September 12, 2016 by AutoGuy

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