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Ford Focus SEL 4-Dr Sedan Insurance Rates

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Estimated insurance rates for a Ford Focus SEL 4-Dr Sedan are $1,364 a year for full coverage. Comprehensive insurance costs an estimated $270 a year, collision insurance costs $572, and liability insurance costs around $364. A liability-only policy costs as low as $430 a year, and high-risk insurance costs $2,968 or more. Teenage drivers pay the most at up to $5,110 a year.

Annual premium for full coverage: $1,364

Premium estimates broken down by individual coverage type:

Comprehensive $270
Collision $572
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 40-year-old driver, insurance rates for a Ford Focus SEL 4-Dr Sedan range from as low as $430 for your basic liability-only policy to a high of $2,968 for high-risk insurance.

Liability Only $430
Full Coverage $1,364
High Risk $2,968

These rate differences show why it is important for drivers to compare prices for a targeted area and risk profile, 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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Auto insurance rates for a Ford Focus SEL 4-Dr Sedan also have a wide range based on your driving characteristics, the model year of your Focus, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Focus SEL 4-Dr Sedan insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $570 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates will be substantially different from one company to the next.

View Chart as Image

Ford Focus SEL 4-Dr Sedan insurance cost comparison chart
Column chart showing Ford Focus SEL 4-Dr Sedan insurance prices range from $779 to $5,110 for full coverage

Chart shows Ford Focus SEL 4-Dr Sedan insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $779. Drivers who use higher $1,000 deductibles will pay around $1,174. The average rate for a driver around age 40 using $500 deductibles is $1,364. Choosing low $100 deductibles for comprehensive and collision insurance could cost up to $1,740. Drivers with multiple violations and accidents could be charged up to $2,968. The cost for full coverage for a teenage driver can be as high as $5,110.

Ford Focus SEL 4-Dr Sedan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,232 -$132 -9.7%
Alaska $1,046 -$318 -23.3%
Arizona $1,132 -$232 -17.0%
Arkansas $1,364 -$0 0.0%
California $1,554 $190 13.9%
Colorado $1,304 -$60 -4.4%
Connecticut $1,404 $40 2.9%
Delaware $1,544 $180 13.2%
Florida $1,706 $342 25.1%
Georgia $1,260 -$104 -7.6%
Hawaii $980 -$384 -28.2%
Idaho $924 -$440 -32.3%
Illinois $1,016 -$348 -25.5%
Indiana $1,026 -$338 -24.8%
Iowa $922 -$442 -32.4%
Kansas $1,298 -$66 -4.8%
Kentucky $1,862 $498 36.5%
Louisiana $2,020 $656 48.1%
Maine $842 -$522 -38.3%
Maryland $1,126 -$238 -17.4%
Massachusetts $1,090 -$274 -20.1%
Michigan $2,370 $1,006 73.8%
Minnesota $1,140 -$224 -16.4%
Mississippi $1,634 $270 19.8%
Missouri $1,210 -$154 -11.3%
Montana $1,466 $102 7.5%
Nebraska $1,076 -$288 -21.1%
Nevada $1,636 $272 19.9%
New Hampshire $984 -$380 -27.9%
New Jersey $1,524 $160 11.7%
New Mexico $1,208 -$156 -11.4%
New York $1,438 $74 5.4%
North Carolina $786 -$578 -42.4%
North Dakota $1,118 -$246 -18.0%
Ohio $940 -$424 -31.1%
Oklahoma $1,402 $38 2.8%
Oregon $1,250 -$114 -8.4%
Pennsylvania $1,302 -$62 -4.5%
Rhode Island $1,820 $456 33.4%
South Carolina $1,238 -$126 -9.2%
South Dakota $1,150 -$214 -15.7%
Tennessee $1,196 -$168 -12.3%
Texas $1,644 $280 20.5%
Utah $1,010 -$354 -26.0%
Vermont $934 -$430 -31.5%
Virginia $816 -$548 -40.2%
Washington $1,056 -$308 -22.6%
West Virginia $1,250 -$114 -8.4%
Wisconsin $946 -$418 -30.6%
Wyoming $1,216 -$148 -10.9%

View Chart as Image

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

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Rates by Driver Age

Ford Focus SEL 4-Dr Sedan Insurance Rates by Driver Age
Driver Age Premium
16 $5,110
20 $3,186
30 $1,426
40 $1,364
50 $1,246
60 $1,224

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus SEL 4-Dr Sedan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,740
$250 $1,564
$500 $1,364
$1,000 $1,174

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus SEL 4-Dr Sedan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,364
50/100 $1,437
100/300 $1,528
250/500 $1,764
100 CSL $1,473
300 CSL $1,673
500 CSL $1,819

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus SEL 4-Dr Sedan Insurance Rates for High Risk Drivers
Age Premium
16 $7,296
20 $5,068
30 $3,036
40 $2,968
50 $2,836
60 $2,812

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 $194

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $19
5-yr Accident Free $104
5-yr Claim Free $88
Paid in Full/EFT $65
Advance Quote $69
Online Quote $96
Total Discounts $585
Rate after discounts $779

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

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