2017 Ford Focus Insurance Rates

Average insurance rates for a 2017 Ford Focus are $1,318 a year for full coverage insurance. Comprehensive insurance costs on average $228 a year, collision insurance costs $502, and liability costs $430. Buying a liability-only policy costs as little as $486 a year, and high-risk insurance costs $2,880 or more. Teenage drivers receive the highest rates at up to $5,084 a year.

Annual premium for full coverage: $1,318

Rate estimates for 2017 Ford Focus Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2017 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

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These differences illustrate why it is important for drivers to compare rates based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Paying for pricey Ford Focus insurance can take a big chunk out of your bank account and require stricter spending habits. Comparing cost estimates is a great way to cut your insurance bill.

With so many insurance providers from which to choose, it’s nearly impossible to find the lowest price insurance provider.

It’s smart to compare prices as often as possible because rates go up and down regularly. Despite the fact that you may have had the best deal on Focus insurance a few years ago you can probably find a better price now. Ignore everything you know about insurance because you’re about to learn how to quote online to reduce your cost while improving coverage.

Cheap auto insurance rates with discounts

Car insurance companies don’t always list the complete list of policy discounts in an easy-to-find place, so the list below details both the well known and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

• Discounts for Multiple Vehicles – Drivers who insure all your vehicles on the same auto insurance policy could earn a price break for each car.
• Club Memberships – Participating in qualifying clubs or civic groups is a simple method to lower premiums on your next renewal.
• Senior Citizens – Older drivers may be able to get a small decrease in premiums on Focus insurance.
• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Renewal Discounts – Select larger companies give a discount for switching companies before your current coverage expires. You may see this discount when you get auto insurance quotes online.

It’s important to understand that some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

To locate insurance companies who offer cheap auto insurance quotes, click here.

Ford Focus insurance rate factors

Many things are used when you get your auto insurance bill. Some factors are common sense such as your driving record, although others are more transparent such as whether you are married or your financial responsibility.A large part of saving on auto insurance is knowing some of the elements that come into play when calculating the price you pay for auto insurance. If you know what impacts premium levels, this allows you to make educated decisions that can help you get cheaper rates.

The following are a few of the “ingredients” utilized by car insurance companies to help set your rates.

• Auto insurance rates and your job – Did you know your auto insurance rates can be affected by your occupation? Occupations such as fire fighters, architects and emergency personnel tend to have higher premium rates in part from intense work-related stress and extremely grueling work hours. On the other hand, careers such as professors, students and retirees have lower than average premiums on Focus insurance.
• Women tend to take less risk – Over time, data shows women are more cautious behind the wheel. Now that doesn’t mean females are better drivers. Both sexes are in auto accidents in similar numbers, but the men tend to have higher claims. Not only are claims higher, but men have more aggressive citations such as reckless driving. Male teenagers tend to get in the most accidents and therefore pay the highest rates.
• Little extras can really add up – There are a lot of extra bells and whistles that can add up on your Focus policy. Add-on coverages like vanishing deductibles, accident forgiveness, and motor club memberships may be wasting your money. They may seem like a good idea when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.
• Teenagers vs. older drivers – Mature drivers have been proven to be more responsible, cause fewer claims and accidents and are safer drivers.Youthful drivers are statistically shown to be inattentive when behind the wheel so they pay higher auto insurance rates.
• Gaps in coverage mean higher prices – Driving with no insurance is a big no-no and companies may charge more for letting your coverage lapse. In addition to paying higher premiums, failure to provide proof of insurance might get you a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
• Claims cost money – If you are the type of insured that files lots of claims you can expect either policy cancellation or increased premiums. Auto insurance companies award better rates to policyholders who are not frequent claim filers. Auto insurance is designed for larger claims.
• More people means more accidents – Residing in less populated areas of the country is a positive aspect when talking about auto insurance. Drivers who live in large cities have congested traffic and more severe claims. Fewer drivers on the road means fewer accidents in addition to fewer liability claims.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Each situation is unique and your policy should reflect that. For example, these questions could help you determine whether or not you might need an agent’s assistance.

• Does liability extend to a camper or trailer?
• Am I covered when driving on a suspended license?
• Should I drop comprehensive coverage on older vehicles?
• Where can I find DUI or SR-22 insurance?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Exactly who is provided coverage by my policy?
• What can I do if my company denied a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Car insurance coverage breakdown

Having a good grasp of car insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are typical coverage types found on the average car insurance policy.

UM/UIM Coverage

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your 2017 Ford Focus.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things such as pain and suffering, bail bonds and structural damage. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for collisions

Collision insurance covers damage to your Focus resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive or Other Than Collision

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like fire damage, a broken windshield, damage from flooding, hail damage and theft. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills such as doctor visits, hospital visits, ambulance fees, pain medications and dental work. They are often used to cover expenses not covered by your health insurance plan 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 coverage is not an option in every state and gives slightly broader coverage than med pay

Smart shoppers get results

In this article, we covered many tips how you can lower your 2017 Ford Focus insurance premium rates. The key concept to understand is the more times you quote, the higher your chance of finding the cheapest auto insurance. Drivers may discover the best price on car insurance is with a small local company. They can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.

Lower-priced car insurance can be found from both online companies in addition to many insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies may not have online rate quotes and most of the time these smaller companies prefer to sell through independent agents.

Use our FREE quote tool to compare rates now!

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