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2015 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 2015 Ford Focus are $1,266 a year with full coverage. Comprehensive costs on average $206 each year, collision costs $450, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,768. Teen drivers receive the highest rates at $4,950 a year or more.

Annual premium for full coverage: $1,266

Rate estimates for 2015 Ford Focus Insurance

Comprehensive $206
Collision $450
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 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 the average driver, prices range go from as low as $504 for only liability insurance to a high rate of $2,768 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,266
High Risk $2,768

View Chart as Image

2015 Ford Focus insurance rates compared
Column chart showing 2015 Ford Focus insurance prices range from $728 to $4,950 for full coverage

These differences demonstrate why all drivers should compare rates based on a specific location 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 2015 Ford Focus Insurance

Searching Companies

Nobody likes paying for insurance coverage, especially knowing the cost is too high.

Many insurance companies vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies and get the definite best rate

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Finding the best rates is not that difficult. Nevertheless, car owners benefit from understanding how the larger insurance companies price online insurance and apply this information to your search.

Companies offer discounts so take them!

Companies don’t list all available discounts in an easy-to-find place, so we researched some of the more common as well as the least known savings tricks you should be using.

  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on Focus insurance than their less cautious counterparts.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. The savings is around 10%.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks simply for signing over the internet.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% on Focus insurance with a few insurance companies.
  • Defensive Driving Course – Successfully completing a course in driver safety could cut 5% off your bill and easily recoup the cost of the course.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy could earn a price break for each car.
  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because you may think you could get a free insurance policy, it just doesn’t work that way.

Companies that may have some of the above discounts include:

  • Farmers Insurance
  • Esurance
  • State Farm
  • Allstate

Before buying, ask each company what discounts are available to you. All car insurance discounts might not be offered in your area.

How to Get Insurance Coverage Comparison Quotes

There are several ways of comparing rate quotes from insurance coverage companies in your area. The easiest way by far to find the cheapest 2015 Ford Focus insurance rates consists of shopping online. It is quite easy and can be accomplished in a couple of different ways.

The fastest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing a different quote for each company. Filling out one form will get you rate comparisons instantly.

A different way to get comparison quotes requires a visit to each company’s website and request a quote. For example, let’s say you want rates from Nationwide, Esurance and Farmers. To get each rate you have to take the time to go to each site and enter your information, which is why the first method is quicker.

Whichever method you choose, double check that you are using apples-to-apples coverage limits for every company. If you have different liability limits it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages can make a big difference in price. Keep in mind that more quotes gives you a better chance of getting lower pricing.

Factors that can influence Ford Focus insurance rates

An important part of buying insurance is that you know the factors that help determine your insurance rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that could result in lower insurance prices.

  • Are you male or female? – Statistics have proven women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Men and women tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like DUI and reckless driving.
  • Mature drivers pay less – Teenage drivers are statistically proven to be less responsible in a vehicle so insurance rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations.
  • Bundling policies can get discounts – Many insurers provide better rates to policyholders who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to compare rates to confirm you are receiving the best rates possible. You may still find better rates by insuring with multiple companies.
  • Your occupation can affect rates – Occupations like real estate brokers, business owners and dentists tend to have the highest average rates due to high stress and long work days. Other jobs such as farmers, historians and the unemployed receive lower rates on Focus insurance.
  • Discounts for married couples – Having a wife or husband can get you a discount on your insurance policy. Having a significant other usually means you are more mature and responsible and statistics show being married results in fewer claims.
  • Safer cars are cheaper to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and lower injury rates means lower claim amounts passed on to you as lower rates. If your Ford Focus scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • More miles equals more premium – The higher the mileage driven every year the higher your rates will be. Most companies charge to insure your cars based upon how you use the vehicle. Cars and trucks that are left in the garage qualify for better rates than those used for commuting. Improper usage on your Focus can cost quite a bit. Verify your insurance declarations sheet shows the correct usage for each vehicle.

Do I just need basic coverages?

When it comes to buying coverage, there really is no “perfect” insurance plan. Each situation is unique so your insurance should reflect that For instance, these questions might help in determining whether you could use an agent’s help.

  • Who is covered when they drive my 2015 Ford Focus?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need replacement cost coverage on my 2015 Ford Focus?
  • What vehicles should carry emergency assistance coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will my insurance pay for OEM parts?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Specific coverage details

Knowing the specifics of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages available from car insurance companies.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2015 Ford Focus.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability car insurance

Liability coverage provides protection from injuries or damage you cause to people or other property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as pain and suffering, funeral expenses, structural damage, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, surgery, ambulance fees and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This covers damage to your Focus resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like scraping a guard rail, colliding with another moving vehicle, crashing into a building and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, hail damage, theft, vandalism and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

One last thing

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed physical damage coverage only to find out they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate.

Budget-conscious 2015 Ford Focus insurance can be purchased both online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. There are still a few companies who may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

Additional detailed information can be found by following these links:

Rates by U.S. City

2015 Ford Focus Insurance Rates by City
City Premium
New York City, NY $2,001
Los Angeles, CA $2,163
Philadelphia, PA $1,691
Jacksonville, FL $1,837
Phoenix, AZ $1,470
Chicago, IL $1,696
Houston, TX $1,986
Seattle, WA $1,232
Columbus, OH $1,058
Indianapolis, IN $1,076

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $4,950
20 $2,968
30 $1,308
40 $1,266
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,560
$250 $1,422
$500 $1,266
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,266
50/100 $1,356
100/300 $1,469
250/500 $1,763
100 CSL $1,402
300 CSL $1,650
500 CSL $1,831

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,042
20 $4,736
30 $2,814
40 $2,768
50 $2,650
60 $2,628

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $82
Paid in Full/EFT $56
Advance Quote $63
Online Quote $89
Total Discounts $538
Rate after discounts $728

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

Find companies with the cheapest rates in your area

2015 Ford Focus Insurance Rates by State
State Premium
Alabama $1,144
Alaska $970
Arizona $1,050
Arkansas $1,266
California $1,442
Colorado $1,210
Connecticut $1,302
Delaware $1,432
Florida $1,584
Georgia $1,170
Hawaii $908
Idaho $856
Illinois $942
Indiana $952
Iowa $854
Kansas $1,202
Kentucky $1,728
Louisiana $1,874
Maine $782
Maryland $1,042
Massachusetts $1,014
Michigan $2,200
Minnesota $1,060
Mississippi $1,516
Missouri $1,122
Montana $1,358
Nebraska $998
Nevada $1,518
New Hampshire $914
New Jersey $1,416
New Mexico $1,122
New York $1,334
North Carolina $730
North Dakota $1,038
Ohio $874
Oklahoma $1,300
Oregon $1,160
Pennsylvania $1,208
Rhode Island $1,690
South Carolina $1,148
South Dakota $1,068
Tennessee $1,108
Texas $1,528
Utah $938
Vermont $868
Virginia $758
Washington $978
West Virginia $1,160
Wisconsin $878
Wyoming $1,128

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