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2016 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: Dec 19, 2019

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Average insurance rates for a 2016 Ford Focus are $1,300 a year with full coverage. Comprehensive costs an estimated $216, collision insurance costs $484, and liability coverage costs $442. Buying a liability-only policy costs as little as $496 a year, and high-risk insurance costs around $2,848. Teen drivers receive the highest rates at up to $5,060 a year.

Annual premium for full coverage: $1,300

Rate estimates for 2016 Ford Focus Insurance

Comprehensive $216
Collision $484
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 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 $496 for only liability insurance to a much higher rate of $2,848 for high-risk insurance.

Liability Only $496
Full Coverage $1,300
High Risk $2,848

View Chart as Image

2016 Ford Focus insurance rates compared
Column chart showing 2016 Ford Focus insurance prices range from $745 to $5,060 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using 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 2016 Ford Focus Insurance

Searching Companies

Looking for cheaper insurance coverage rates for your Ford Focus? Finding a different company that has inexpensive car insurance may seem complicated initially if you are a beginner to online quoting. But don’t throw in the towel because online price shopping is actually quite simple.

It’s smart to compare prices quite often since prices are constantly changing. Even if you think you had the best quotes for Focus insurance a year ago you will most likely find a better rate today. There is a lot of bad information regarding insurance coverage on the web, but in just a couple of minutes you can learn a bunch of ideas how to lower your insurance coverage bill.

How to lower your car insurance cost

Shopping for lower car insurance rates can be a daunting task if you don’t understand the most efficient way. You can waste a lot of time discussing policy coverages with agents in your area, or you could use online quotes for quick rates.

Many of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and every company returns a rated price. This prevents consumers from doing quote forms to every company. To enter your information into the quoting system, click here (opens in new window).

The one disadvantage to using this type of system is that consumers can’t choose which carriers you want to price. So if you want to choose from a list of companies to request quotes from, we have a listing of the cheapest car insurance companies in your area. View list of insurance companies.

Take whichever approach you prefer, but be certain you are entering the exact same coverage data on every price quote you get. If you are comparing different coverage information it’s impossible to determine the best price for your Ford Focus. Quoting even small variations in insurance coverages or limits could skew the results. Just keep in mind that getting more free quotes helps increase your odds of locating more affordable insurance.

Special considerations

When it comes to buying coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether or not you would benefit from professional advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my 2016 Ford Focus qualify for pleasure use?
  • Who is covered when they drive my 2016 Ford Focus?
  • If I drive on a suspended license am I covered?
  • What if I don’t agree with a claim settlement offer?
  • Do I need roadside assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Free Auto Insurance Comparison

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Learn about insurance coverages for a Ford Focus

Learning about specific coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like pain medications, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance – This provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like medical services, structural damage and loss of income. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Uninsured and underinsured coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include 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 doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Collision coverages – This coverage covers damage to your Focus caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays to fix your vehicle from 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 coverage protects against things such as damage from flooding, hitting a bird, hitting a deer and fire damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 Ford Focus Insurance Rates by City
City Premium
New York City, NY $2,055
Los Angeles, CA $2,223
Philadelphia, PA $1,739
Jacksonville, FL $1,886
Phoenix, AZ $1,512
Chicago, IL $1,742
Houston, TX $2,038
Seattle, WA $1,268
Columbus, OH $1,087
Indianapolis, IN $1,107

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $5,060
20 $3,054
30 $1,346
40 $1,300
50 $1,192
60 $1,170

Full coverage, $500 deductibles

Rates by Deductible

2016 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,610
$250 $1,464
$500 $1,300
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,388
100/300 $1,499
250/500 $1,786
100 CSL $1,433
300 CSL $1,676
500 CSL $1,853

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,202
20 $4,876
30 $2,898
40 $2,848
50 $2,724
60 $2,702

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $85
Paid in Full/EFT $58
Advance Quote $65
Online Quote $91
Total Discounts $555
Rate after discounts $745

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

Find companies with the cheapest rates in your area

2016 Ford Focus Insurance Rates by State
State Premium
Alabama $1,176
Alaska $998
Arizona $1,080
Arkansas $1,300
California $1,482
Colorado $1,242
Connecticut $1,338
Delaware $1,472
Florida $1,626
Georgia $1,200
Hawaii $934
Idaho $880
Illinois $968
Indiana $980
Iowa $878
Kansas $1,236
Kentucky $1,774
Louisiana $1,926
Maine $800
Maryland $1,074
Massachusetts $1,042
Michigan $2,260
Minnesota $1,088
Mississippi $1,558
Missouri $1,152
Montana $1,398
Nebraska $1,026
Nevada $1,558
New Hampshire $938
New Jersey $1,454
New Mexico $1,150
New York $1,370
North Carolina $748
North Dakota $1,064
Ohio $898
Oklahoma $1,334
Oregon $1,192
Pennsylvania $1,242
Rhode Island $1,734
South Carolina $1,176
South Dakota $1,098
Tennessee $1,140
Texas $1,568
Utah $964
Vermont $890
Virginia $778
Washington $1,006
West Virginia $1,192
Wisconsin $900
Wyoming $1,160

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