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2007 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 ...

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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

Comprehensive $140
Collision $236
Liability $474

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.

Liability Only $522
Full Coverage $1,008
High Risk $2,188

View Chart as Image

2007 Ford Focus insurance rates compared
Column chart showing 2007 Ford Focus insurance prices range from $606 to $4,120 for full coverage

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 Companies

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.

Comprehensive protection

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

Liability 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.

Collision protection

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.

Additional articles

Rates by U.S. City

2007 Ford Focus Insurance Rates by City
City Premium
New York City, NY $1,593
Los Angeles, CA $1,722
Philadelphia, PA $1,347
Jacksonville, FL $1,464
Phoenix, AZ $1,170
Chicago, IL $1,350
Houston, TX $1,581
Seattle, WA $983
Columbus, OH $842
Indianapolis, IN $857

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2007 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $4,120
20 $2,334
30 $1,024
40 $1,008
50 $926
60 $908

Full coverage, $500 deductibles

Rates by Deductible

2007 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,172
$250 $1,096
$500 $1,008
$1,000 $922

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,008
50/100 $1,103
100/300 $1,221
250/500 $1,529
100 CSL $1,150
300 CSL $1,411
500 CSL $1,601

Full coverage, driver age 40

Rates for High Risk Drivers

2007 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $5,806
20 $3,730
30 $2,204
40 $2,188
50 $2,094
60 $2,072

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 $139

Potential Rate Discounts

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

Discount Savings
Multi-policy $51
Multi-vehicle $56
Homeowner $18
5-yr Accident Free $63
5-yr Claim Free $64
Paid in Full/EFT $37
Advance Quote $45
Online Quote $68
Total Discounts $402
Rate after discounts $606

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

Find companies with the cheapest rates in your area

2007 Ford Focus Insurance Rates by State
State Premium
Alabama $912
Alaska $772
Arizona $836
Arkansas $1,008
California $1,148
Colorado $962
Connecticut $1,036
Delaware $1,142
Florida $1,262
Georgia $930
Hawaii $724
Idaho $682
Illinois $750
Indiana $758
Iowa $680
Kansas $960
Kentucky $1,376
Louisiana $1,490
Maine $622
Maryland $830
Massachusetts $806
Michigan $1,752
Minnesota $844
Mississippi $1,206
Missouri $894
Montana $1,084
Nebraska $794
Nevada $1,208
New Hampshire $726
New Jersey $1,128
New Mexico $892
New York $1,062
North Carolina $580
North Dakota $826
Ohio $696
Oklahoma $1,036
Oregon $922
Pennsylvania $962
Rhode Island $1,344
South Carolina $914
South Dakota $850
Tennessee $884
Texas $1,216
Utah $746
Vermont $692
Virginia $604
Washington $780
West Virginia $922
Wisconsin $700
Wyoming $900

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