1. Vehicles
  2. Ford
  3. Focus
  4. 2003 Model Year

2003 Ford Focus Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Oct 8, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2003 Ford Focus are $912 a year including full coverage. Comprehensive insurance costs an estimated $124 a year, collision insurance costs $178, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, and high-risk insurance costs $1,968 or more. Teenage drivers receive the highest rates at up to $3,770 a year.

Annual premium for full coverage: $912

Rate estimates for 2003 Ford Focus Insurance

Comprehensive $124
Collision $178
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 Ford Focus models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range range from as low as $504 for only liability insurance to a high of $1,968 for a high risk driver.

Liability Only $504
Full Coverage $912
High Risk $1,968

View Chart as Image

2003 Ford Focus insurance rates compared
Column chart showing 2003 Ford Focus insurance prices range from $558 to $3,770 for full coverage

These differences highlight why it is important for drivers to compare rates for a targeted area and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2003 Ford Focus Insurance

Searching Companies

Scraping up a payment for overpriced Ford Focus insurance can empty your bank account and put a big crunch on your finances. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Since consumers have many insurance coverage companies to choose from, it’s nearly impossible to find the cheapest insurance company.

Compare the Market for Auto Insurance

Performing a rate comparison can take hours if you aren’t aware of the easiest way. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get pricing more quickly.

All the larger companies enroll in a system that enables customers to complete one form, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for each company you want a rate for. To find out how much you can save on auto insurance click here to open in new window.

The only drawback to doing it this way is you can’t choose which companies to receive prices from. If you wish to select from a list of companies to compare rates, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using exactly the same coverage limits and deductibles on every quote. If the quotes have different values for each quote it will be impossible to determine the best price for your Ford Focus. Having just a slight variation in limits can mean a large discrepancy in price. Keep in mind that obtaining a wide range of quotes will increase your chances of finding better pricing.

It’s not one size fits all

When buying the best car insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different so this has to be addressed. These are some specific questions might help in determining whether your personal situation may require specific advice.

  • When should I remove comp and collision on my 2003 Ford Focus?
  • Where can I find DUI or SR-22 insurance?
  • Can I afford low physical damage deductibles?
  • Do I need replacement cost coverage?
  • What companies insure drivers after a DUI or DWI?
  • Does my policy cover me when driving someone else’s vehicle?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Coverage specifics

Having a good grasp of a insurance policy can help you determine the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by insurance companies.

Collision protection

This coverage covers damage to your Focus resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door, crashing into a building, hitting a mailbox and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hail damage, damage from getting keyed, fire damage, falling objects and hitting a bird. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like loss of income, bail bonds and structural damage. How much coverage you buy is your choice, but you should buy as much as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Ford Focus.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Rates by U.S. City

2003 Ford Focus Insurance Rates by City
City Premium
New York City, NY $1,440
Los Angeles, CA $1,560
Philadelphia, PA $1,218
Jacksonville, FL $1,327
Phoenix, AZ $1,058
Chicago, IL $1,224
Houston, TX $1,433
Seattle, WA $890
Columbus, OH $765
Indianapolis, IN $775

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $3,770
20 $2,106
30 $922
40 $912
50 $840
60 $822

Full coverage, $500 deductibles

Rates by Deductible

2003 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,044
$250 $984
$500 $912
$1,000 $844

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $912
50/100 $1,002
100/300 $1,115
250/500 $1,409
100 CSL $1,048
300 CSL $1,296
500 CSL $1,477

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $5,294
20 $3,352
30 $1,978
40 $1,968
50 $1,886
60 $1,868

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $122

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $45
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $39
Online Quote $60
Total Discounts $354
Rate after discounts $558

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2003 Ford Focus Insurance Rates by State
State Premium
Alabama $826
Alaska $702
Arizona $756
Arkansas $912
California $1,040
Colorado $870
Connecticut $940
Delaware $1,032
Florida $1,144
Georgia $842
Hawaii $656
Idaho $618
Illinois $680
Indiana $686
Iowa $614
Kansas $868
Kentucky $1,246
Louisiana $1,350
Maine $562
Maryland $752
Massachusetts $730
Michigan $1,586
Minnesota $764
Mississippi $1,092
Missouri $808
Montana $980
Nebraska $720
Nevada $1,094
New Hampshire $658
New Jersey $1,020
New Mexico $808
New York $960
North Carolina $526
North Dakota $748
Ohio $632
Oklahoma $938
Oregon $836
Pennsylvania $870
Rhode Island $1,218
South Carolina $826
South Dakota $768
Tennessee $798
Texas $1,102
Utah $676
Vermont $624
Virginia $546
Washington $706
West Virginia $836
Wisconsin $632
Wyoming $814

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles