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2018 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 1, 2021

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Average insurance rates for a 2018 Ford Focus are $1,334 a year with full coverage. Comprehensive insurance costs on average $236, collision insurance costs $524, and liability coverage costs around $416. Buying a liability-only policy costs as low as $474 a year, and high-risk insurance costs $2,918 or more. Teen drivers receive the highest rates at up to $5,118 a year.

Annual premium for full coverage: $1,334

Rate estimates for 2018 Ford Focus Insurance

Comprehensive $236
Collision $524
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 range from as low as $474 for only liability insurance to a much higher rate of $2,918 for a driver that may need high-risk insurance.

Liability Only $474
Full Coverage $1,334
High Risk $2,918

View Chart as Image

2018 Ford Focus insurance rates compared
Column chart showing 2018 Ford Focus insurance prices range from $762 to $5,118 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location 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 2018 Ford Focus Insurance

Searching Companies

Searching for better auto insurance rates for your Ford Focus? Paying for expensive Ford Focus insurance can draw down your family’s budget and put a big crunch on your finances.

Popular companies such as Progressive, State Farm and GEICO all claim big savings with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and effectively compare rates to find the best deal.

You may qualify for discounts

Companies don’t always list every discount they offer in a way that’s easy to find, so the list below details a few of the more well known and the more hidden discounts that you may qualify for.

  • No Claims – Insureds with no claims or accidents get the best auto insurance rates when compared to frequent claim filers.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and qualify for as much as a 10% discount.
  • Membership in Organizations – Having an affiliation with a civic or occupational organization is a simple method to lower premiums when getting a auto insurance quote.
  • Waiver for an Accident – Not really a discount, but some companies like GEICO and Allstate will forgive one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% on Focus insurance compared to rates paid by drivers with frequent claims.

A little note about advertised discounts, most discounts do not apply the whole policy. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though you would think you would end up receiving a 100% discount, nobody gets a free ride. Any qualifying discounts should help reduce the amount you pay for coverage.

A partial list of companies that may offer many of the previously listed discounts include:

  • State Farm
  • American Family
  • GEICO
  • 21st Century
  • Progressive

Before you buy a policy, ask each company or agent which discounts you may be entitled to. Discounts might not apply in your state. To see a list of companies that offer the discounts shown above, follow this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might point out whether or not you would benefit from professional advice.

  • Do I have coverage when pulling a U-Haul trailer?
  • Am I covered if I hit my neighbor’s mailbox?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if hit by an uninsured driver?
  • Are my tools covered if they get stolen from my vehicle?
  • Can my teen drive my company car?
  • Should I carry comprehensive and collision coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • What is roadside assistance coverage?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form or click here for a list of auto insurance companies in your area.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Insurance coverage breakdown

Learning about specific coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as surgery, prosthetic devices, doctor visits, chiropractic care and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, colliding with another moving vehicle, rolling your car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Ford Focus.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, rock chips in glass, theft and damage from getting keyed. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability

Liability coverage protects you from damages or injuries you inflict on people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as legal defense fees, repair costs for stationary objects, structural damage and medical services. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Final thoughts

We covered some good ideas how to shop for 2018 Ford Focus insurance online. The key concept to understand is the more rate quotes you have, the higher your chance of finding cheap auto insurance. Consumers may even find the biggest savings come from an unexpected company. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

Lower-priced 2018 Ford Focus insurance is available online and with local insurance agents, so you need to shop auto insurance with both to get a complete price analysis. Some insurance providers do not offer online quoting and these regional carriers sell through independent agents.

When buying insurance coverage, do not buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy enough coverage at the best cost while still protecting your assets.

To learn more, feel free to visit these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2018 Ford Focus Insurance Rates by City
City Premium
New York City, NY $2,109
Los Angeles, CA $2,277
Philadelphia, PA $1,781
Jacksonville, FL $1,935
Phoenix, AZ $1,551
Chicago, IL $1,789
Houston, TX $2,090
Seattle, WA $1,300
Columbus, OH $1,116
Indianapolis, IN $1,135

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $5,118
20 $3,130
30 $1,388
40 $1,334
50 $1,222
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

2018 Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,672
$250 $1,514
$500 $1,334
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,417
100/300 $1,521
250/500 $1,792
100 CSL $1,459
300 CSL $1,688
500 CSL $1,854

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,296
20 $4,990
30 $2,974
40 $2,918
50 $2,788
60 $2,764

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 $192

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $67
Online Quote $94
Total Discounts $572
Rate after discounts $762

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

Find companies with the cheapest rates in your area

2018 Ford Focus Insurance Rates by State
State Premium
Alabama $1,208
Alaska $1,024
Arizona $1,108
Arkansas $1,334
California $1,518
Colorado $1,276
Connecticut $1,372
Delaware $1,508
Florida $1,668
Georgia $1,232
Hawaii $958
Idaho $902
Illinois $994
Indiana $1,004
Iowa $902
Kansas $1,270
Kentucky $1,820
Louisiana $1,976
Maine $822
Maryland $1,100
Massachusetts $1,066
Michigan $2,318
Minnesota $1,116
Mississippi $1,598
Missouri $1,184
Montana $1,434
Nebraska $1,052
Nevada $1,598
New Hampshire $962
New Jersey $1,490
New Mexico $1,180
New York $1,406
North Carolina $770
North Dakota $1,090
Ohio $922
Oklahoma $1,370
Oregon $1,222
Pennsylvania $1,272
Rhode Island $1,778
South Carolina $1,208
South Dakota $1,126
Tennessee $1,168
Texas $1,608
Utah $988
Vermont $914
Virginia $800
Washington $1,032
West Virginia $1,222
Wisconsin $924
Wyoming $1,188

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