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Ford Focus SE 4-Dr Sedan Insurance Rates

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U.S. average insurance rates for a Ford Focus SE 4-Dr Sedan are $1,320 a year for full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $540, and liability costs $364. Liability-only insurance costs as little as $430 a year, and high-risk driver insurance costs $2,868 or more. Teen drivers pay the highest rates at up to $4,964 a year.

Annual premium for full coverage: $1,320

Price estimates broken down by type of insurance:

Comprehensive $258
Collision $540
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

For a driver around age 40, Ford Focus SE 4-Dr Sedan insurance prices range from as low as $430 for basic liability insurance to a much higher rate of $2,868 for a high-risk insurance policy.

Liability Only $430
Full Coverage $1,320
High Risk $2,868

These price ranges show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of 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.

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Car insurance rates for a Ford Focus SE 4-Dr Sedan are also quite variable based on your driving record, the model year of your Focus, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers will be charged at least $4,900 a year. View Rates by Age

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

Choosing high deductibles could save up to $540 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

View Chart as Image

Ford Focus SE 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Focus SE 4-Dr Sedan insurance prices range from $754 to $4,964 for full coverage

Chart shows Ford Focus SE 4-Dr Sedan insurance rates for various risk profiles and scenarios. The best rate after discounts is $754. Drivers who choose higher $1,000 deductibles will pay around $1,140. The average rate for a driver around age 40 using $500 deductibles is $1,320. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,674. High risk drivers could be charged at least $2,868. The price for full coverage for a teenage driver is $4,964.

Ford Focus SE 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$128 -9.7%
Alaska $1,012 -$308 -23.3%
Arizona $1,096 -$224 -17.0%
Arkansas $1,320 -$0 0.0%
California $1,502 $182 13.8%
Colorado $1,262 -$58 -4.4%
Connecticut $1,356 $36 2.7%
Delaware $1,492 $172 13.0%
Florida $1,650 $330 25.0%
Georgia $1,218 -$102 -7.7%
Hawaii $948 -$372 -28.2%
Idaho $892 -$428 -32.4%
Illinois $982 -$338 -25.6%
Indiana $994 -$326 -24.7%
Iowa $890 -$430 -32.6%
Kansas $1,254 -$66 -5.0%
Kentucky $1,798 $478 36.2%
Louisiana $1,952 $632 47.9%
Maine $814 -$506 -38.3%
Maryland $1,088 -$232 -17.6%
Massachusetts $1,056 -$264 -20.0%
Michigan $2,292 $972 73.6%
Minnesota $1,104 -$216 -16.4%
Mississippi $1,580 $260 19.7%
Missouri $1,170 -$150 -11.4%
Montana $1,416 $96 7.3%
Nebraska $1,040 -$280 -21.2%
Nevada $1,582 $262 19.8%
New Hampshire $952 -$368 -27.9%
New Jersey $1,476 $156 11.8%
New Mexico $1,168 -$152 -11.5%
New York $1,388 $68 5.2%
North Carolina $760 -$560 -42.4%
North Dakota $1,080 -$240 -18.2%
Ohio $910 -$410 -31.1%
Oklahoma $1,356 $36 2.7%
Oregon $1,208 -$112 -8.5%
Pennsylvania $1,258 -$62 -4.7%
Rhode Island $1,758 $438 33.2%
South Carolina $1,194 -$126 -9.5%
South Dakota $1,112 -$208 -15.8%
Tennessee $1,154 -$166 -12.6%
Texas $1,590 $270 20.5%
Utah $978 -$342 -25.9%
Vermont $902 -$418 -31.7%
Virginia $790 -$530 -40.2%
Washington $1,018 -$302 -22.9%
West Virginia $1,210 -$110 -8.3%
Wisconsin $914 -$406 -30.8%
Wyoming $1,174 -$146 -11.1%

View Chart as Image

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

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Rates by Driver Age

Ford Focus SE 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $4,964
20 $3,080
30 $1,374
40 $1,320
50 $1,204
60 $1,184

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus SE 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,508
$500 $1,320
$1,000 $1,140

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus SE 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,320
50/100 $1,393
100/300 $1,484
250/500 $1,720
100 CSL $1,429
300 CSL $1,629
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus SE 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,084
20 $4,898
30 $2,932
40 $2,868
50 $2,740
60 $2,716

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 $187

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $70
Homeowner $19
5-yr Accident Free $100
5-yr Claim Free $85
Paid in Full/EFT $62
Advance Quote $67
Online Quote $93
Total Discounts $566
Rate after discounts $754

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

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