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2004 Ford Focus Insurance Rates

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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 ...

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UPDATED: Nov 30, 2021

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Average insurance rates for a 2004 Ford Focus are $932 a year including full coverage. Comprehensive costs an estimated $126, collision insurance costs $188, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,014. Teenage drivers receive the highest rates at up to $3,850 a year.

Annual premium for full coverage: $932

Rate estimates for 2004 Ford Focus Insurance

Comprehensive $126
Collision $188
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2004 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 $510 for the bare minimum liability coverage to a much higher rate of $2,014 for a high risk driver.

Liability Only $510
Full Coverage $932
High Risk $2,014

View Chart as Image

2004 Ford Focus insurance rates compared
Column chart showing 2004 Ford Focus insurance prices range from $568 to $3,850 for full coverage

These differences highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than 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 2004 Ford Focus Insurance

Searching Companies

Trying to find the cheapest insurance rates for your Ford Focus? Sick and tired of robbing Peter to pay Paul to insure your Ford every month? You’re in the same situation as the majority of other car owners. Many insurers compete for your insurance dollar, so it’s not easy to compare every insurance company and uncover the absolute cheapest price

It is always a good idea to get comparison quotes periodically since rates change frequently. Despite the fact that you may have had the lowest rates for Focus coverage six months ago you will most likely find a better rate today. You can find a lot of wrong information about insurance online but by reading this article, you’re going to learn the best ways to put money back in your pocket.

If you have a current auto insurance policy or are shopping for new coverage, you can use these tips to cut your premiums while maximizing coverage. Choosing the best insurance company for you is not rocket science. Drivers just need to learn the proper way to compare rates on the web.

Finding Car Insurance

All major car insurance companies such as Allstate, GEICO and Progressive give coverage prices online. Getting online rates is fairly simple as you just type in your coverage preferences into a form. Upon sending the form, their rating system orders your driving record and credit report and generates pricing information based on many factors. Online price quotes helps simplify price comparisons, but the work required to visit multiple sites and complete many quote forms can be a bit repetitive. But it’s absolutely necessary to do this if you are searching for the lowest price.

A quicker way to lower your car insurance bill requires only one form to get prices from several companies at one time. The form is fast, eliminates form submissions, and makes price shopping online much more efficient. After sending the form, it is rated and you can choose any of the quotes returned. If a lower price is quoted, you can click and sign and buy the new coverage. This process takes 15 minutes at the most and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you complete the form with coverages and limits exactly as they are listed on your policy. This ensures you are getting a fair comparison based on identical coverages.

Do auto insurance companies bend the truth?

Consumers get pounded daily by advertisements that promise big savings from companies such as Allstate, GEICO and Progressive. All the ads have a common claim about savings if you move your policy.

But how can every company make almost identical claims?

Different companies are able to cherry pick for the type of customer that makes them money. An example of a desirable insured might be between 30 and 50, has no prior claims, and has excellent credit. A driver who matches those parameters is entitled to the best price and therefore will save when switching.

Potential insureds who don’t meet the “perfect” profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. The ads say “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can advertise the way they do. Because of the profiling, you absolutely need to quote coverage with many companies. It’s impossible to know which auto insurance company will provide you with the cheapest Ford Focus insurance rates.

How to reduce 2004 Ford Focus insurance rates

Auto insurance companies don’t always advertise every discount in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on insurance. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
  • Resident Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Safety Course Discount – Taking a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Focus coverage with select insurance companies.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.

Consumers should know that most discount credits are not given to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like having all the discounts means you get insurance for free, insurance companies aren’t that generous.

Insurance companies who might offer these discounts include:

  • Farmers Insurance
  • State Farm
  • Liberty Mutual
  • MetLife
  • Progressive

Before buying, ask each company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there is no cookie cutter policy. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Am I covered if I wreck a rental car?
  • Do I have coverage when making deliveries for my home business?
  • Is my 2004 Ford Focus covered for smoke damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when driving in Canada or Mexico?
  • Should I waive the damage coverage when renting a car?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision insurance

This will pay to fix damage to your Focus caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with another moving vehicle, colliding with a tree, hitting a mailbox and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability insurance

This can cover damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, funeral expenses and medical services. How much coverage you buy is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like damage from getting keyed, fire damage, falling objects, hitting a deer and rock chips in glass. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, chiropractic care, EMT expenses and doctor visits. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

More effort can pay off

You just learned some good ideas how you can lower your 2004 Ford Focus insurance rates. It’s most important to understand that the more rate quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the lowest priced insurance coverage comes from the least-expected company. Some small companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.

As you restructure your insurance plan, it’s very important that you do not reduce coverage to reduce premium. In many instances, consumers will sacrifice physical damage coverage only to discover later they didn’t have enough coverage. The aim is to purchase plenty of coverage at an affordable rate.

More information can be read below:

Rates by U.S. City

2004 Ford Focus Insurance Rates by City
City Premium
New York City, NY $1,473
Los Angeles, CA $1,593
Philadelphia, PA $1,243
Jacksonville, FL $1,353
Phoenix, AZ $1,084
Chicago, IL $1,249
Houston, TX $1,461
Seattle, WA $910
Columbus, OH $782
Indianapolis, IN $793

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2004 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $3,850
20 $2,152
30 $942
40 $932
50 $858
60 $840

Full coverage, $500 deductibles

Rates by Deductible

2004 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,068
$250 $1,006
$500 $932
$1,000 $860

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $932
50/100 $1,024
100/300 $1,139
250/500 $1,438
100 CSL $1,070
300 CSL $1,323
500 CSL $1,507

Full coverage, driver age 40

Rates for High Risk Drivers

2004 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $5,408
20 $3,430
30 $2,026
40 $2,014
50 $1,928
60 $1,910

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 $126

Potential Rate Discounts

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

Discount Savings
Multi-policy $46
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $58
Paid in Full/EFT $33
Advance Quote $41
Online Quote $62
Total Discounts $364
Rate after discounts $568

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

Find companies with the cheapest rates in your area

2004 Ford Focus Insurance Rates by State
State Premium
Alabama $844
Alaska $714
Arizona $774
Arkansas $932
California $1,062
Colorado $892
Connecticut $958
Delaware $1,054
Florida $1,166
Georgia $860
Hawaii $668
Idaho $632
Illinois $694
Indiana $702
Iowa $628
Kansas $886
Kentucky $1,272
Louisiana $1,378
Maine $576
Maryland $768
Massachusetts $746
Michigan $1,620
Minnesota $782
Mississippi $1,116
Missouri $826
Montana $1,002
Nebraska $736
Nevada $1,118
New Hampshire $672
New Jersey $1,042
New Mexico $826
New York $982
North Carolina $536
North Dakota $764
Ohio $646
Oklahoma $958
Oregon $854
Pennsylvania $888
Rhode Island $1,244
South Carolina $844
South Dakota $786
Tennessee $816
Texas $1,124
Utah $690
Vermont $638
Virginia $558
Washington $722
West Virginia $854
Wisconsin $646
Wyoming $832

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