Ford Focus Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 19, 2024
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Some consumers might ask, why is the Ford Focus so expensive to insure? But in truth, this reliable sedan is actually on the lower end in terms of car insurance. The average Ford Focus insurance rates are only around $111 per month or $1,336 annually.
Before you buy Ford Focus car insurance, use this guide to help point you in the right direction. Not only can you use one of our car insurance calculators to find Ford Focus ST insurance costs, but we’ll also teach you how your Ford Focus car insurance rates are calculated.
Once you’ve read through our comprehensive guide, you’ll be able to secure cheap car insurance for your Ford Focus like a professional. You’ll also learn how to save on multiple Ford Focus model years and trim levels, such as the 2015 or 2009 Ford Focus insurance costs. Or maybe you are looking for an older model, like the 2008 Ford Focus insurance rates. Don’t worry, we’ll cover them all.
When you’re ready, you can start comparison shopping for some Ford Focus insurance rates no matter if you’re looking for insurance for yourself or for Ford Focus insurance for an 18-year-old.
To easily compare affordable Ford Focus car insurance quotes from multiple companies, just enter your ZIP code into our free quote tool above.
The average insurance rates for a Ford Focus are $1,236 a year with full coverage. Comprehensive costs around $198 a year, collision costs $424, and liability coverage costs $456. A liability-only policy costs as little as $508 a year, with high-risk insurance costing around $2,700. 16-year-old drivers cost the most to insure at $4,858 a year or more.
Average premium for full coverage: $1,236
Policy rates for type of insurance:
Includes $500 physical damage deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Focus trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Focus insurance rates go from the low end price of $508 for just the minimum liability insurance to a high of $2,700 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance rates.
The examples above demonstrate why it is important to compare rates for a specific zip code, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details estimated Ford Focus insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $714
- Drivers who choose higher $1,000 deductibles will pay about $1,094 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,236
- Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,512
- High-risk insureds with multiple tickets or accidents could pay at least $2,700 or more
- Policy cost that insures a teenage driver can be $4,858 a year
Car insurance rates for a Ford Focus also range considerably based on the trim level of your Focus, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than the average rate. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age
Your home state makes a big difference in Ford Focus insurance rates. A 40-year-old driver could pay as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,670 on average in Florida, Michigan, and New York.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,118 | -$118 | -9.5% |
Alaska | $948 | -$288 | -23.3% |
Arizona | $1,026 | -$210 | -17.0% |
Arkansas | $1,236 | -$0 | 0.0% |
California | $1,408 | $172 | 13.9% |
Colorado | $1,182 | -$54 | -4.4% |
Connecticut | $1,270 | $34 | 2.8% |
Delaware | $1,398 | $162 | 13.1% |
Florida | $1,546 | $310 | 25.1% |
Georgia | $1,140 | -$96 | -7.8% |
Hawaii | $888 | -$348 | -28.2% |
Idaho | $834 | -$402 | -32.5% |
Illinois | $922 | -$314 | -25.4% |
Indiana | $932 | -$304 | -24.6% |
Iowa | $834 | -$402 | -32.5% |
Kansas | $1,174 | -$62 | -5.0% |
Kentucky | $1,686 | $450 | 36.4% |
Louisiana | $1,828 | $592 | 47.9% |
Maine | $764 | -$472 | -38.2% |
Maryland | $1,020 | -$216 | -17.5% |
Massachusetts | $988 | -$248 | -20.1% |
Michigan | $2,148 | $912 | 73.8% |
Minnesota | $1,034 | -$202 | -16.3% |
Mississippi | $1,480 | $244 | 19.7% |
Missouri | $1,096 | -$140 | -11.3% |
Montana | $1,328 | $92 | 7.4% |
Nebraska | $974 | -$262 | -21.2% |
Nevada | $1,482 | $246 | 19.9% |
New Hampshire | $892 | -$344 | -27.8% |
New Jersey | $1,380 | $144 | 11.7% |
New Mexico | $1,094 | -$142 | -11.5% |
New York | $1,304 | $68 | 5.5% |
North Carolina | $712 | -$524 | -42.4% |
North Dakota | $1,010 | -$226 | -18.3% |
Ohio | $854 | -$382 | -30.9% |
Oklahoma | $1,270 | $34 | 2.8% |
Oregon | $1,132 | -$104 | -8.4% |
Pennsylvania | $1,180 | -$56 | -4.5% |
Rhode Island | $1,648 | $412 | 33.3% |
South Carolina | $1,120 | -$116 | -9.4% |
South Dakota | $1,044 | -$192 | -15.5% |
Tennessee | $1,082 | -$154 | -12.5% |
Texas | $1,490 | $254 | 20.6% |
Utah | $916 | -$320 | -25.9% |
Vermont | $848 | -$388 | -31.4% |
Virginia | $742 | -$494 | -40.0% |
Washington | $956 | -$280 | -22.7% |
West Virginia | $1,132 | -$104 | -8.4% |
Wisconsin | $856 | -$380 | -30.7% |
Wyoming | $1,100 | -$136 | -11.0% |
Opting for high physical damage deductibles could save up to $420 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $462 extra every 12 months. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, so rate quotes will be varied.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Ford Focus S 4-Dr Sedan | $1,144 | $95 |
Ford Focus SE 4-Dr Sedan | $1,202 | $100 |
Ford Focus SEL 4-Dr Sedan | $1,236 | $103 |
Ford Focus SES 4-Dr Sedan | $1,236 | $103 |
Ford Focus SE 2-Dr Coupe | $1,326 | $111 |
Ford Focus SES 2-Dr Coupe | $1,370 | $114 |
Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Ford Focus | $198 | $424 | $456 | $1,236 |
2017 Ford Focus | $190 | $380 | $460 | $1,188 |
2016 Ford Focus | $178 | $350 | $460 | $1,146 |
2015 Ford Focus | $172 | $328 | $464 | $1,122 |
2014 Ford Focus | $168 | $306 | $474 | $1,106 |
2013 Ford Focus | $156 | $284 | $474 | $1,072 |
2012 Ford Focus | $150 | $258 | $478 | $1,044 |
2011 Ford Focus | $140 | $236 | $474 | $1,008 |
2010 Ford Focus | $132 | $214 | $474 | $978 |
2009 Ford Focus | $128 | $192 | $468 | $946 |
2008 Ford Focus | $126 | $188 | $460 | $932 |
2007 Ford Focus | $124 | $178 | $452 | $912 |
2006 Ford Focus | $114 | $170 | $446 | $888 |
2005 Ford Focus | $110 | $162 | $442 | $872 |
Rates are averaged for all Ford Focus models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Cheapest Ford Focus Insurance
Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and qualifying for all possible discounts. Comparison shop every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.
Below is a recap of the material that was raised in the charts and tables above.
- Consumers who may need higher levels of liability will pay around $500 every year to go from a 30/60 limit to the 250/500 level
- Teenage drivers are the costliest to insure, as much as $405 each month if full coverage is purchased
- Drivers that have major violations or accidents may pay on average $1,460 more every year for auto insurance
- Increasing comprehensive and collision deductibles can save approximately $425 each year
When you are looking for a Ford Focus car insurance company, remember to also include the model year and trim level of your vehicle. As you’ve learned, it does matter whether you are looking for 2017, 2015, or 2010 Ford Focus insurance costs.
Getting Ford Focus insurance quotes from multiple different providers will help you find savings on everything from Ford Focus SE costs to the 2015 Ford Focus coupe costs.
Remember, your Ford Focus insurance prices will vary depending on the trim level and age of your car.
Can’t wait to find your best car insurance rates? You can use our FREE quote tool below to get Ford Focus insurance quotes instantly.
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What are the safety ratings of the Ford Focus?
Older Ford Focuses are more likely to have fewer safety features, which can affect crash test ratings and insurance rates. So a Carro Ford Focus from 2010 will have different costs than the 2014 Ford Focus insurance rates or the 2009 Ford Focus SE.
Fortunately, the Ford Focus does have some great safety features, such as a rearview camera, blind-spot monitoring, rear cross-traffic alert, rear parking sensors, and lane departure warning.
The Insurance Institute for Highway Safety (IIHS) gave the 2018 Ford Focus Sedan the following safety ratings:
- Small overlap front (driver-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
‘Good’ is the highest possible score given by the IIHS. Your car insurance rates will already reflect these nearly perfect safety ratings.
Just remember, different model years and trim levels of the Ford Focus might receive different safety ratings. Therefore, we always recommend looking up the details about your specific vehicle for the most accuracy.
Like safety ratings, crash test results will also impact what you pay for your Ford Focus car insurance.
Check out the results of the Ford Focus crash test ratings over the years from the National Highway Traffic Safety Administration (NHTSA) in the table below.
Ford Focus Crash Test Ratings
Vehicle Tested Overall Frontal Side Rollover
2018 Ford Focus RS 5 HB AWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2018 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Focus RS 5 HB AWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2017 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Focus RS 5 HB AWD N/R N/R N/R N/R
2016 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2016 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2015 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2015 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2015 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2014 Ford Focus 5 HB FWD 5 stars 4 stars 5 stars 4 stars
2014 Ford Focus 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2013 Ford Focus BEV 5 HB FWD 5 stars 5 stars 5 stars 5 stars
2013 Ford Focus 5 HB FWD 5 stars 4 stars 5 stars 4 stars
2013 Ford Focus 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2012 Ford Focus 5 DR FWD 4 stars 4 stars 5 stars 4 stars
2012 Ford Focus 4 DR FWD 4 stars 4 stars 5 stars 4 stars
2011 Ford Focus 4 DR FWD N/R N/R N/R 4 stars
2011 Ford Focus 2 DR FWD N/R N/R N/R 4 stars
A 5-star rating is the highest possible score given by the NHTSA. Overall, the Ford Focus performed well. You can trust that your car insurance rates for this reliable sedan will not increase dramatically anytime soon.
Should you compare the Ford Focus to other vehicles in the same car class?
The Ford Focus is a small car. Unfortunately, the Insurance Institute for Highway Safety found that the liability losses for the Ford Focus, in comparison to other small cars, are substantially worse than average.
What does this mean exactly? Higher insurance loss ratios lead to higher car insurance rates. View details about the different Ford Focus insurance loss probabilities by category in the table below.
Ford Focus Insurance Loss Probability
Insurance Coverage Category Loss Rate
Collision 14%
Property damage 39%
Comprehensive -10%
Personal injury 59%
Medical payment 69%
Bodily injury 71%
Unfortunately, these numbers mean that most insurers will likely charge higher rates for liability insurance on a Ford Focus.
The list below is of other small cars, so you can see how Ford Focus insurance rates compare.
You are now ready to buy Ford Focus car insurance at a low rate. To find out how much a 2012 Ford Focus costs to insure, how much a 2011 Ford Focus insurance policy is, or the best car insurance rates for a 2014 Ford Focus, start by shopping around.
You can easily compare Ford Focus car insurance quotes from reputable companies near you.
All you have to do is enter your ZIP code into our FREE online quote tool to find the best Ford Focus insurance company in your area, whether it’s Ford Focus insurance in Houston, New York, or beyond.
References:
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,858 |
20 | $2,894 |
30 | $1,274 |
40 | $1,236 |
50 | $1,134 |
60 | $1,114 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,512 |
$250 | $1,382 |
$500 | $1,236 |
$1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,236 |
50/100 | $1,473 |
100/300 | $1,601 |
250/500 | $1,935 |
100 CSL | $1,524 |
300 CSL | $1,807 |
500 CSL | $2,013 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,902 |
20 | $4,620 |
30 | $2,742 |
40 | $2,700 |
50 | $2,586 |
60 | $2,564 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $65 |
Multi-vehicle | $68 |
Homeowner | $20 |
5-yr Accident Free | $88 |
5-yr Claim Free | $80 |
Paid in Full/EFT | $54 |
Advance Quote | $61 |
Online Quote | $86 |
Total Discounts | $522 |
Discounts are estimated and may not be available from every company or in every state.
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