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Ford Focus SE 2-Dr Coupe Insurance Rates

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Estimated insurance prices for a Ford Focus SE 2-Dr Coupe are $1,446 every 12 months with full coverage. Comprehensive costs around $284, collision insurance costs $572, and liability insurance costs around $410. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $3,138. Teen drivers pay the most at up to $5,452 a year.

Annual premium for full coverage: $1,446

Premium estimates for type of insurance:

Comprehensive $284
Collision $572
Liability $410

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

Price Range for Insurance for this Ford Focus Trim Level

For the average 40-year-old driver, insurance rates for a Ford Focus SE 2-Dr Coupe range from the cheapest price of $486 for just the minimum liability insurance to a much higher rate of $3,138 for coverage for higher-risk drivers.

Liability Only $486
Full Coverage $1,446
High Risk $3,138

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,085
Small Cities $1,518
Large Cities $1,952

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on 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.

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Insurance prices for a Ford Focus SE 2-Dr Coupe also have a wide range based on physical damage deductibles and liability limits, your driving record, and the actual cash value of your Focus.

Choosing high deductibles could cut rates by as much as $580 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $369 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Focus SE 2-Dr Coupe insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

Ford Focus SE 2-Dr Coupe insurance cost comparison chart
Column chart showing Ford Focus SE 2-Dr Coupe insurance prices range from $833 to $5,452 for full coverage

The chart above shows Ford Focus SE 2-Dr Coupe insurance rates for various coverage choices and risks. The lowest rate with discounts is $833. Drivers who choose higher $1,000 deductibles will pay $1,252. The average rate for a driver age 40 with no violations using $500 deductibles is $1,446. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,826. High risk drivers could be charged up to $3,138. The price for full coverage insurance for a 16-year-old driver can be as high as $5,452.

Ford Focus SE 2-Dr Coupe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,308 -$138 -9.5%
Alaska $1,108 -$338 -23.4%
Arizona $1,200 -$246 -17.0%
Arkansas $1,446 -$0 0.0%
California $1,648 $202 14.0%
Colorado $1,380 -$66 -4.6%
Connecticut $1,486 $40 2.8%
Delaware $1,636 $190 13.1%
Florida $1,810 $364 25.2%
Georgia $1,338 -$108 -7.5%
Hawaii $1,036 -$410 -28.4%
Idaho $980 -$466 -32.2%
Illinois $1,076 -$370 -25.6%
Indiana $1,090 -$356 -24.6%
Iowa $976 -$470 -32.5%
Kansas $1,372 -$74 -5.1%
Kentucky $1,972 $526 36.4%
Louisiana $2,142 $696 48.1%
Maine $894 -$552 -38.2%
Maryland $1,194 -$252 -17.4%
Massachusetts $1,154 -$292 -20.2%
Michigan $2,510 $1,064 73.6%
Minnesota $1,210 -$236 -16.3%
Mississippi $1,734 $288 19.9%
Missouri $1,282 -$164 -11.3%
Montana $1,554 $108 7.5%
Nebraska $1,140 -$306 -21.2%
Nevada $1,736 $290 20.1%
New Hampshire $1,044 -$402 -27.8%
New Jersey $1,618 $172 11.9%
New Mexico $1,280 -$166 -11.5%
New York $1,524 $78 5.4%
North Carolina $832 -$614 -42.5%
North Dakota $1,186 -$260 -18.0%
Ohio $998 -$448 -31.0%
Oklahoma $1,484 $38 2.6%
Oregon $1,326 -$120 -8.3%
Pennsylvania $1,380 -$66 -4.6%
Rhode Island $1,930 $484 33.5%
South Carolina $1,312 -$134 -9.3%
South Dakota $1,220 -$226 -15.6%
Tennessee $1,266 -$180 -12.4%
Texas $1,742 $296 20.5%
Utah $1,068 -$378 -26.1%
Vermont $988 -$458 -31.7%
Virginia $864 -$582 -40.2%
Washington $1,118 -$328 -22.7%
West Virginia $1,326 -$120 -8.3%
Wisconsin $1,002 -$444 -30.7%
Wyoming $1,288 -$158 -10.9%

View Chart as Image

Ford Focus SE 2-Dr Coupe insurance rates by U.S. city

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Rates by Driver Age

Ford Focus SE 2-Dr Coupe Insurance Rates by Driver Age
Driver Age Premium
16 $5,452
20 $3,366
30 $1,508
40 $1,446
50 $1,322
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus SE 2-Dr Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,826
$250 $1,648
$500 $1,446
$1,000 $1,252

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus SE 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,446
50/100 $1,528
100/300 $1,631
250/500 $1,897
100 CSL $1,569
300 CSL $1,795
500 CSL $1,959

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus SE 2-Dr Coupe Insurance Rates for High Risk Drivers
Age Premium
16 $7,768
20 $5,348
30 $3,204
40 $3,138
50 $2,994
60 $2,970

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 $202

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $76
Homeowner $21
5-yr Accident Free $107
5-yr Claim Free $93
Paid in Full/EFT $67
Advance Quote $72
Online Quote $101
Total Discounts $613
Rate after discounts $833

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

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