Ford Focus S 4-Dr Sedan Insurance Rates

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:

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

Price Range for Insurance for this Ford Focus Trim Level

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.

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.

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

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.

View Chart as Image