2007 Ford Focus Insurance Rates
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UPDATED: Jun 13, 2015
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Average insurance rates for a 2007 Ford Focus are $1,008 a year with full coverage. Comprehensive costs around $140, collision insurance costs $236, and liability costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,188. Teen drivers receive the highest rates at up to $4,120 a year.
Annual premium for full coverage: $1,008
Rate estimates for 2007 Ford Focus Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2007 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 40-year-old driver, prices range range from as low as $522 for just liability insurance to the much higher price of $2,188 for high-risk insurance.
These differences demonstrate why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on 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 2007 Ford Focus Insurance
Searching for lower insurance rates for your Ford Focus? Locating low-cost insurance for your Ford Focus can be difficult, but you can learn the following methods to find lower rates. There are more efficient ways to compare insurance rates so you’re going to learn the best way to compare rates on a Ford and find the cheapest rates from both online companies and local agents.
Finding affordable coverage is not rocket science. If you are insured now or are shopping for new coverage, you can use this information to cut your premiums while maximizing coverage. Drivers just need to understand the proper methods to get comparison rates online.
Insurance Coverage Prices Online
All the larger insurance coverage companies give coverage price quotes directly from their websites. Obtaining pricing is fairly simple as you just type in your coverage preferences as requested by the quote form. After the form is submitted, the company’s rating system orders your driving record and credit report and gives you a price quote based on many factors.
This helps simplify price comparisons, but having to visit different websites and type in the same information can get tiresome after awhile. But it is imperative to do this if you want to find the lowest price.
There is a better way to compare rates
The quickest way to compare insurance coverage pricing makes use of a single form to obtain quotes from multiple companies. This type of form saves time, eliminates repetitive work, and makes rate comparisons much more efficient. Once the form is submitted, it is quoted with multiple companies and you can pick any of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process just takes a couple of minutes and may save quite a bit of money.
To compare rates using this form now, click here to open in a new tab and enter your information. If you currently have coverage, we recommend you enter coverages and limits as close as possible to your current policy. This ensures you will receive a price comparison based on the exact same insurance coverage.
Save big with these discounts
Companies that sell car insurance don’t list all available discounts very clearly, so we break down some of the more common and the more hidden savings tricks you should be using. If you’re not getting every credit possible, you are paying more than you should be.
- Use Seat Belts – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
- Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums if you are claim-free for a set time period.
- Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up online.
- Payment Method – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less on Focus coverage than drivers with accidents.
- Distant Student – Children who live away from home and do not have access to a covered vehicle can be insured at a reduced rate.
Consumers should know that some of the credits will not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free insurance policy, you won’t be that lucky.
To see a list of providers with discount insurance rates, follow this link.
But I don’t know anything about car insurance
When it comes to buying coverage, there really is not a cookie cutter policy. Every insured’s situation is different.
Here are some questions about coverages that can help discover if you will benefit from professional help.
- When should I remove comp and collision on my 2007 Ford Focus?
- Am I covered if I drive in a foreign country?
- Does coverage extend to Mexico or Canada?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Can I make deliveries for my home business?
- What is the rate difference between pleasure use and commuting?
If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Insurance coverage considerations
Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.
Uninsured or underinsured coverage
This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Ford Focus.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.
This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as falling objects, a tree branch falling on your vehicle, hitting a bird, a broken windshield and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Medical expense coverage
Med pay and PIP coverage provide coverage for bills for things like X-ray expenses, nursing services, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
This provides protection from damage that occurs to people or other property. It protects you against other people’s claims, and does not provide coverage for 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. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things like emergency aid, pain and suffering, attorney fees, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like rolling your car, sideswiping another vehicle and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.
More quotes. Lower rates.
Low-cost 2007 Ford Focus insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.
You just learned quite a bit of information on how to reduce insurance prices online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even find the lowest rates come from a smaller regional carrier.
Insureds leave their current company for any number of reasons including high rates after DUI convictions, not issuing a premium refund, lack of trust in their agent and even unfair underwriting practices. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.
Rates by U.S. City
|New York City, NY||$1,593|
|Los Angeles, CA||$1,722|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$63|
|5-yr Claim Free||$64|
|Paid in Full/EFT||$37|
Discounts are estimated and may not be available from every company or in every state.