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2011 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 2011 Ford Focus are $1,122 a year for full coverage. Comprehensive costs around $172, collision costs $328, and liability coverage costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,442. Teenage drivers receive the highest rates at $4,484 a year or more.

Annual premium for full coverage: $1,122

Rate estimates for 2011 Ford Focus Insurance

Comprehensive $172
Collision $328
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 go from as low as $514 for only liability insurance to the much higher price of $2,442 for a driver who has had serious violations or accidents.

Liability Only $514
Full Coverage $1,122
High Risk $2,442

View Chart as Image

2011 Ford Focus insurance rates compared
Column chart showing 2011 Ford Focus insurance prices range from $660 to $4,484 for full coverage

These differences show why everyone should compare rates for a specific zip code 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 2011 Ford Focus Insurance

Searching Companies

Are you tired of being strong-armed to buy car insurance? You are in the same boat as the majority of other car owners.

Popular companies such as Progressive, GEICO and Farmers Insurance all claim big savings with fancy advertisements and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

It is always a good idea to get comparison quotes every six months since rates are constantly changing. Just because you had the best deal on Focus insurance on your last policy you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to find out the things you must know in order to reduce your cost while improving coverage.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is easy if you know what you’re doing. Although vehicle owners do need to understand how big insurance companies compete online.

Save big with these discounts

Car insurance can cost a lot, but you may find discounts that many people don’t even know exist. Larger premium reductions will be automatically applied at quote time, but less common discounts must be requested specifically before you get the savings.

  • Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
  • Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Accident Waiver – Certain companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Government Employees – Active or retired federal employment could cut as much as 10% off on Focus insurance depending on your company.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more on Focus insurance than drivers with accident claims.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and earn discounts up to 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you could get a discount of at least 10% off all policies.
  • Drive Less and Save – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.

It’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any qualifying discounts will cut the cost of coverage.

The most recommended method to compare car insurance rates is to know the trick most of the larger companies participate in online systems to compare their rates. The only thing you need to do is provide a small amount of information like whether the vehicles are used for commuting, driver ages, your job, and whether you have decent credit. Your insurance information gets transmitted to insurance carriers in your area and you receive quotes immediately.

But I don’t know anything about car insurance

When choosing proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Am I covered when driving in Canada or Mexico?
  • What is the minimum liability in my state?
  • At what point should I drop full coverage?
  • Is my nanny covered when driving my vehicle?
  • Are rock chip repairs covered?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need motorclub coverage?
  • What is medical payments coverage?

The coverage is in the details

Understanding the coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages found on the average car insurance policy.

Auto liability

This will cover injuries or damage you cause to a person or their property. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses, attorney fees, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like X-ray expenses, prosthetic devices, rehabilitation expenses, nursing services and pain medications. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, fire damage and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage

Collision coverage pays for damage to your Focus caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Ford Focus.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Find Good Coverage for Less

Throughout this article, we presented many ideas to save on 2011 Ford Focus insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. Consumers could even find that the best prices are with a lesser-known regional company. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as State Farm or Progressive.

While you’re price shopping online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

For more information, feel free to visit the resources below:

  • Think You’re a Safe Driver? (State Farm)
  • Understanding Car Crashes Video (iihs.org)
  • =Determing Auto Insurance Rates (GEICO)
  • =Vehicle Insurance in the U.S. (Wikipedia)
  • =Medical Payments Coverage (Liberty Mutual)

Rates by U.S. City

2011 Ford Focus Insurance Rates by City
City Premium
New York City, NY $1,770
Los Angeles, CA $1,920
Philadelphia, PA $1,498
Jacksonville, FL $1,626
Phoenix, AZ $1,305
Chicago, IL $1,505
Houston, TX $1,758
Seattle, WA $1,091
Columbus, OH $937
Indianapolis, IN $954

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $4,484
20 $2,612
30 $1,148
40 $1,122
50 $1,030
60 $1,010

Full coverage, $500 deductibles

Rates by Deductible

2011 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,342
$250 $1,240
$500 $1,122
$1,000 $1,008

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,122
50/100 $1,215
100/300 $1,331
250/500 $1,632
100 CSL $1,261
300 CSL $1,516
500 CSL $1,702

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $6,344
20 $4,166
30 $2,474
40 $2,442
50 $2,338
60 $2,318

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $62
Homeowner $19
5-yr Accident Free $76
5-yr Claim Free $72
Paid in Full/EFT $45
Advance Quote $53
Online Quote $77
Total Discounts $462
Rate after discounts $660

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

Find companies with the cheapest rates in your area

2011 Ford Focus Insurance Rates by State
State Premium
Alabama $1,016
Alaska $860
Arizona $932
Arkansas $1,122
California $1,280
Colorado $1,072
Connecticut $1,154
Delaware $1,270
Florida $1,402
Georgia $1,034
Hawaii $806
Idaho $758
Illinois $836
Indiana $844
Iowa $758
Kansas $1,066
Kentucky $1,530
Louisiana $1,660
Maine $692
Maryland $926
Massachusetts $900
Michigan $1,948
Minnesota $938
Mississippi $1,344
Missouri $994
Montana $1,204
Nebraska $886
Nevada $1,344
New Hampshire $808
New Jersey $1,254
New Mexico $994
New York $1,180
North Carolina $646
North Dakota $918
Ohio $774
Oklahoma $1,152
Oregon $1,028
Pennsylvania $1,070
Rhode Island $1,496
South Carolina $1,016
South Dakota $946
Tennessee $982
Texas $1,352
Utah $832
Vermont $770
Virginia $670
Washington $866
West Virginia $1,028
Wisconsin $776
Wyoming $1,000

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