1. Vehicles
  2. Ford
  3. Focus
  4. 2005 Model Year

2005 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: Jun 13, 2015

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 2005 Ford Focus are $946 a year for full coverage. Comprehensive costs on average $128, collision insurance costs $192, and liability coverage costs $468. Buying a liability-only policy costs as little as $518 a year, and high-risk insurance costs around $2,050. Teen drivers receive the highest rates at up to $3,912 a year.

Annual premium for full coverage: $946

Rate estimates for 2005 Ford Focus Insurance

Comprehensive $128
Collision $192
Liability $468

Rate data is compiled from all 50 U.S. states and averaged for all 2005 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 driver in their 40's, prices range range from as low as $518 for only liability insurance to the much higher price of $2,050 for a driver who has had serious violations or accidents.

Liability Only $518
Full Coverage $946
High Risk $2,050

View Chart as Image

2005 Ford Focus insurance rates compared
Column chart showing 2005 Ford Focus insurance prices range from $577 to $3,912 for full coverage

These differences show why everyone should compare rates based on a specific location and risk profile, rather than using price averages.

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 2005 Ford Focus Insurance

Searching Companies

Consumers have many options when looking for low-cost Ford Focus insurance. You can either spend your time contacting agents to compare prices or utilize the internet to get rate quotes.

There are more efficient ways to find insurance coverage online so you’re going to learn the quickest way to quote coverages for a Ford and obtain the lowest possible price from both online companies and local agents.

If you have a policy now or need a new policy, you can learn to get lower rates while maintaining coverages. This information will introduce you to the most effective way to quote insurance and some tips to save money. Vehicle owners just need to know the best way to compare rates over the internet.

The most recommended method to compare car insurance rates is to realize most larger insurance companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide details like if your license is active, distance driven, how much education you have, and your job. The rating information is instantly provided to many different companies and you should receive rate quotes instantly to find the best rate.

To compare rates now, click here and enter your zip code.

Take advantage of discounts

The cost of insuring your cars can be expensive, but you may find discounts to help bring down the price. Certain discounts will be applied when you complete an application, but a few need to be specifically requested before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on Focus insurance than their less cautious counterparts.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save 5% or more.
  • College Student – Children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Discount for Swiching Early – Some companies give discounts for signing up before your current policy expires. The savings is around 10%.
  • Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Club Memberships – Being a member of a professional or civic organization may earn a discount on your policy on Focus insurance.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home demonstrates responsibility.

It’s important to note that most credits do not apply to your bottom line cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way. But any discount will bring down your premiums.

A partial list of companies that may offer these benefits include:

Double check with each insurance company which discounts they offer. Some discounts might not be offered in your area.

How to know if you need help

When choosing the best auto insurance coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you might need an agent’s assistance.

  • Should I have a commercial auto policy?
  • Exactly who is provided coverage by my policy?
  • Will I lose any money if I cancel my policy before it expires?
  • Are my friends covered when driving my 2005 Ford Focus?
  • Am I getting all the discounts available?
  • When does my teenage driver need to be added to my policy?
  • Where can I get insurance after a DUI in my state?
  • I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

These factors can influence Ford Focus insurance rates

Smart consumers have a good feel for some of the elements that come into play when calculating insurance coverage rates. Understanding what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes a few of the “ingredients” that factor into premiums.

  • Pleasure use or commuting – The more you drive in a year’s time the more you’ll pay to insure your vehicle. Most companies charge to insure your cars based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than those used for commuting. Ask your agent if your insurance coverage policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your Focus can result in significantly higher rates.
  • Do you need the policy add-ons? – There are a lot of additional coverages that you can buy when buying insurance coverage. Coverages like roadside assistance, towing coverage and motor club memberships are some examples. They may seem good initially, but if you don’t need them get rid of them and save.
  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
  • Your location is important – Residing in a small town has it’s advantages when insuring your vehicles. Fewer people translates into fewer accidents. City drivers regularly have congested traffic and a longer drive to work. Higher commute times translates into higher accident risk.
  • Safe vehicles cost less to insure – Safer cars are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company and thus lower rates. If the Ford Focus is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.

Auto insurance 101

Having a good grasp of your policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, theft and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Focus resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like driving through your garage door, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This provides protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Ford Focus.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses for ambulance fees, nursing services and chiropractic care. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance can cover damage or injury you incur to people or other property. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, pain and suffering, loss of income, medical expenses and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Saving money is sweet as honey

In this article, we covered many ways to lower your 2005 Ford Focus insurance rates. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the lowest premiums are with some of the smallest insurance companies.

Cheap insurance can be sourced both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

People leave their current company for a number of reasons such as high rates after DUI convictions, high prices, policy non-renewal or delays in responding to claim requests. No matter why you want to switch, switching companies can be pretty painless.

More information can be found at these links:

Rates by U.S. City

2005 Ford Focus Insurance Rates by City
City Premium
New York City, NY $1,497
Los Angeles, CA $1,617
Philadelphia, PA $1,266
Jacksonville, FL $1,376
Phoenix, AZ $1,100
Chicago, IL $1,274
Houston, TX $1,485
Seattle, WA $922
Columbus, OH $791
Indianapolis, IN $805

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2005 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $3,912
20 $2,188
30 $958
40 $946
50 $872
60 $854

Full coverage, $500 deductibles

Rates by Deductible

2005 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,086
$250 $1,022
$500 $946
$1,000 $874

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $946
50/100 $1,040
100/300 $1,157
250/500 $1,461
100 CSL $1,086
300 CSL $1,344
500 CSL $1,531

Full coverage, driver age 40

Rates for High Risk Drivers

2005 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $5,496
20 $3,490
30 $2,062
40 $2,050
50 $1,964
60 $1,944

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 $128

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $52
Homeowner $17
5-yr Accident Free $57
5-yr Claim Free $59
Paid in Full/EFT $33
Advance Quote $41
Online Quote $63
Total Discounts $369
Rate after discounts $577

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

Find companies with the cheapest rates in your area

2005 Ford Focus Insurance Rates by State
State Premium
Alabama $858
Alaska $728
Arizona $786
Arkansas $946
California $1,078
Colorado $906
Connecticut $976
Delaware $1,074
Florida $1,186
Georgia $874
Hawaii $680
Idaho $640
Illinois $708
Indiana $712
Iowa $638
Kansas $902
Kentucky $1,292
Louisiana $1,402
Maine $586
Maryland $780
Massachusetts $758
Michigan $1,646
Minnesota $792
Mississippi $1,136
Missouri $840
Montana $1,018
Nebraska $750
Nevada $1,136
New Hampshire $682
New Jersey $1,060
New Mexico $840
New York $998
North Carolina $546
North Dakota $776
Ohio $654
Oklahoma $972
Oregon $868
Pennsylvania $904
Rhode Island $1,266
South Carolina $858
South Dakota $800
Tennessee $830
Texas $1,142
Utah $700
Vermont $650
Virginia $568
Washington $732
West Virginia $868
Wisconsin $654
Wyoming $844

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