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2009 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 2009 Ford Focus are $1,072 a year with full coverage. Comprehensive costs around $156, collision insurance costs $284, and liability insurance costs $474. Buying a liability-only policy costs as little as $522 a year, and high-risk insurance costs around $2,330. Teen drivers receive the highest rates at up to $4,330 a year.

Annual premium for full coverage: $1,072

Rate estimates for 2009 Ford Focus Insurance

Comprehensive $156
Collision $284
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 coverage to a much higher rate of $2,330 for high-risk insurance.

Liability Only $522
Full Coverage $1,072
High Risk $2,330

View Chart as Image

2009 Ford Focus insurance rates compared
Column chart showing 2009 Ford Focus insurance prices range from $636 to $4,330 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying 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 2009 Ford Focus Insurance

Searching Companies

Locating low-cost insurance for your Ford Focus can turn out to be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to find car insurance online so you’re going to learn the quickest way to compare rates for a new or used Ford and find the lowest price either online or from local insurance agents.

Smart consumers take time to compare rates on a regular basis due to the fact that insurance rates fluctuate regularly. Even if you think you had the lowest price for Focus insurance last year there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to learn the best way to find great coverage at a great price.

Compare Quotes for Auto Insurance

Finding cheaper 2009 Ford Focus auto insurance prices is a fairly straight forward process. The only thing you need to do is take a few minutes getting comparison quotes provided by online insurance companies. This is very easy and can be done in a couple of different ways.

  1. The best way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method keeps you from doing boring form submissions for each company. One simple form will return price quotes from all major companies.It’s the quickest way to get rates.
  2. A harder way to compare prices requires a trip to the website of each company to complete a price quote. For examples sake, we’ll assume you want to compare Nationwide, Progressive and Liberty Mutual. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits and deductibles with every price quote. If you have different limits and deductibles on each one then you won’t be able to truly determine the lowest rate.

How to know if you need help

When buying the best car insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different.

For instance, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need motorclub coverage?
  • Am I covered when driving someone else’s vehicle?
  • How much liability do I need to cover my assets?
  • What are the financial responsibility laws in my state?
  • Where can I find high-risk insurance?
  • Should I put collision coverage on all my vehicles?
  • Who is covered when they drive my 2009 Ford Focus?

If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverages – This will cover damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

It consists of 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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like legal defense fees, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for bills for funeral costs, hospital visits, X-ray expenses and prosthetic devices. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, damage from getting keyed, rock chips in glass, damage from flooding and vandalism. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage – This protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Ford Focus.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Collision – This covers damage to your Focus from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Rates by U.S. City

2009 Ford Focus Insurance Rates by City
City Premium
New York City, NY $1,692
Los Angeles, CA $1,830
Philadelphia, PA $1,431
Jacksonville, FL $1,554
Phoenix, AZ $1,243
Chicago, IL $1,436
Houston, TX $1,677
Seattle, WA $1,043
Columbus, OH $895
Indianapolis, IN $909

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $4,330
20 $2,486
30 $1,092
40 $1,072
50 $982
60 $964

Full coverage, $500 deductibles

Rates by Deductible

2009 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,264
$250 $1,174
$500 $1,072
$1,000 $972

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,072
50/100 $1,167
100/300 $1,285
250/500 $1,593
100 CSL $1,214
300 CSL $1,475
500 CSL $1,665

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $6,116
20 $3,972
30 $2,352
40 $2,330
50 $2,230
60 $2,208

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 $150

Potential Rate Discounts

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

Discount Savings
Multi-policy $55
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $70
5-yr Claim Free $68
Paid in Full/EFT $42
Advance Quote $50
Online Quote $73
Total Discounts $436
Rate after discounts $636

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

Find companies with the cheapest rates in your area

2009 Ford Focus Insurance Rates by State
State Premium
Alabama $968
Alaska $820
Arizona $888
Arkansas $1,072
California $1,220
Colorado $1,022
Connecticut $1,102
Delaware $1,212
Florida $1,340
Georgia $988
Hawaii $770
Idaho $724
Illinois $798
Indiana $804
Iowa $722
Kansas $1,020
Kentucky $1,460
Louisiana $1,584
Maine $660
Maryland $882
Massachusetts $856
Michigan $1,860
Minnesota $896
Mississippi $1,282
Missouri $950
Montana $1,148
Nebraska $844
Nevada $1,284
New Hampshire $770
New Jersey $1,196
New Mexico $950
New York $1,128
North Carolina $618
North Dakota $876
Ohio $740
Oklahoma $1,102
Oregon $980
Pennsylvania $1,022
Rhode Island $1,426
South Carolina $968
South Dakota $904
Tennessee $938
Texas $1,290
Utah $792
Vermont $734
Virginia $642
Washington $828
West Virginia $980
Wisconsin $742
Wyoming $954

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