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Ford Focus S 4-Dr Sedan Insurance Rates

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Average insurance rates for a Ford Focus S 4-Dr Sedan are $1,242 a year for full coverage. Comprehensive costs around $244, collision insurance costs $476, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,690. Teenage drivers receive the highest rates at up to $4,698 a year.

Annual premium for full coverage: $1,242

Rate estimates for type of coverage:

Comprehensive $244
Collision $476
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Focus Trim Level

Using a 40-year-old driver as an example, prices range from the low end price of $430 for liability-only coverage to the much higher price of $2,690 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,242
High Risk $2,690

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $932
Small Cities $1,304
Large Cities $1,677

These differences show why everyone should compare rates for a specific zip code, rather than relying on average rates.

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.

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Car insurance rates for a Ford Focus S 4-Dr Sedan can also vary considerably based on the replacement cost of your Focus, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,500 to $2,000 extra per year, depending on your age. Ford Focus S 4-Dr Sedan insurance for high-risk drivers can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will be charged as much as $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Focus S 4-Dr Sedan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could save up to $490 each year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to know your exact price is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes can be significantly different.

View Chart as Image

Ford Focus S 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Focus S 4-Dr Sedan insurance prices range from $720 to $4,698 for full coverage

Chart shows Ford Focus S 4-Dr Sedan insurance prices for various risks and coverage choices. The lowest price with discounts is $720. Drivers who use higher $1,000 deductibles will pay $1,078. The average price for a driver age 40 with no violations using $500 deductibles is $1,242. Selecting more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,562. Drivers with multiple violations and accidents could be charged as much as $2,690. The rate for full coverage insurance for a 16-year-old driver is $4,698.

Ford Focus S 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,122 -$120 -9.7%
Alaska $952 -$290 -23.3%
Arizona $1,032 -$210 -16.9%
Arkansas $1,242 -$0 0.0%
California $1,416 $174 14.0%
Colorado $1,188 -$54 -4.3%
Connecticut $1,278 $36 2.9%
Delaware $1,408 $166 13.4%
Florida $1,554 $312 25.1%
Georgia $1,146 -$96 -7.7%
Hawaii $892 -$350 -28.2%
Idaho $838 -$404 -32.5%
Illinois $926 -$316 -25.4%
Indiana $936 -$306 -24.6%
Iowa $838 -$404 -32.5%
Kansas $1,180 -$62 -5.0%
Kentucky $1,694 $452 36.4%
Louisiana $1,838 $596 48.0%
Maine $766 -$476 -38.3%
Maryland $1,024 -$218 -17.6%
Massachusetts $992 -$250 -20.1%
Michigan $2,158 $916 73.8%
Minnesota $1,040 -$202 -16.3%
Mississippi $1,488 $246 19.8%
Missouri $1,102 -$140 -11.3%
Montana $1,334 $92 7.4%
Nebraska $980 -$262 -21.1%
Nevada $1,490 $248 20.0%
New Hampshire $896 -$346 -27.9%
New Jersey $1,388 $146 11.8%
New Mexico $1,100 -$142 -11.4%
New York $1,308 $66 5.3%
North Carolina $716 -$526 -42.4%
North Dakota $1,018 -$224 -18.0%
Ohio $856 -$386 -31.1%
Oklahoma $1,278 $36 2.9%
Oregon $1,136 -$106 -8.5%
Pennsylvania $1,184 -$58 -4.7%
Rhode Island $1,656 $414 33.3%
South Carolina $1,126 -$116 -9.3%
South Dakota $1,048 -$194 -15.6%
Tennessee $1,088 -$154 -12.4%
Texas $1,496 $254 20.5%
Utah $920 -$322 -25.9%
Vermont $850 -$392 -31.6%
Virginia $744 -$498 -40.1%
Washington $960 -$282 -22.7%
West Virginia $1,138 -$104 -8.4%
Wisconsin $860 -$382 -30.8%
Wyoming $1,106 -$136 -11.0%

View Chart as Image

Ford Focus S 4-Dr Sedan insurance rates by U.S. city

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Rates by Driver Age

Ford Focus S 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $4,698
20 $2,886
30 $1,292
40 $1,242
50 $1,134
60 $1,114

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus S 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,414
$500 $1,242
$1,000 $1,078

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus S 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,242
50/100 $1,315
100/300 $1,406
250/500 $1,642
100 CSL $1,351
300 CSL $1,551
500 CSL $1,697

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus S 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $6,686
20 $4,586
30 $2,746
40 $2,690
50 $2,570
60 $2,546

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 $173

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $65
Homeowner $18
5-yr Accident Free $91
5-yr Claim Free $79
Paid in Full/EFT $56
Advance Quote $61
Online Quote $87
Total Discounts $522
Rate after discounts $720

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

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