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Ford Focus SES 2-Dr Coupe Insurance Rates

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The average insurance rates for a Ford Focus SES 2-Dr Coupe are $1,506 a year with full coverage. Comprehensive insurance costs around $312 each year, collision costs $604, and liability costs $410. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,260 or more. Teen drivers cost the most to insure at $5,618 a year or more.

Annual premium for full coverage: $1,506

Policy rates for individual coverage:

Comprehensive $312
Collision $604
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 driver, Ford Focus SES 2-Dr Coupe insurance rates go from as low as $486 for minimum levels of liability insurance to a high rate of $3,260 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,506
High Risk $3,260

These price differences demonstrate why all drivers should compare rates for a specific zip code 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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Insurance rates for a Ford Focus SES 2-Dr Coupe also range considerably based on your risk profile, the actual cash value of your Focus, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Your home state makes a big difference in Ford Focus SES 2-Dr Coupe insurance prices. A 40-year-old driver could pay 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.

Choosing high deductibles could save up to $620 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $369 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

View Chart as Image

Ford Focus SES 2-Dr Coupe insurance cost comparison chart
Column chart showing Ford Focus SES 2-Dr Coupe insurance prices range from $867 to $5,618 for full coverage

The chart above shows Ford Focus SES 2-Dr Coupe insurance rates for different risk profiles and scenarios. The best rate after discounts is $867. Drivers who choose higher $1,000 deductibles will pay around $1,298. The average rate for a driver age 40 with no violations using $500 deductibles is $1,506. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,910. High risk drivers could be charged around $3,260. The policy rate for full coverage for a 16-year-old driver is $5,618.

Ford Focus SES 2-Dr Coupe Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,362 -$144 -9.6%
Alaska $1,154 -$352 -23.4%
Arizona $1,250 -$256 -17.0%
Arkansas $1,506 -$0 0.0%
California $1,716 $210 13.9%
Colorado $1,436 -$70 -4.6%
Connecticut $1,548 $42 2.8%
Delaware $1,704 $198 13.1%
Florida $1,884 $378 25.1%
Georgia $1,392 -$114 -7.6%
Hawaii $1,080 -$426 -28.3%
Idaho $1,020 -$486 -32.3%
Illinois $1,122 -$384 -25.5%
Indiana $1,136 -$370 -24.6%
Iowa $1,018 -$488 -32.4%
Kansas $1,428 -$78 -5.2%
Kentucky $2,052 $546 36.3%
Louisiana $2,230 $724 48.1%
Maine $930 -$576 -38.2%
Maryland $1,242 -$264 -17.5%
Massachusetts $1,202 -$304 -20.2%
Michigan $2,616 $1,110 73.7%
Minnesota $1,260 -$246 -16.3%
Mississippi $1,804 $298 19.8%
Missouri $1,336 -$170 -11.3%
Montana $1,618 $112 7.4%
Nebraska $1,188 -$318 -21.1%
Nevada $1,806 $300 19.9%
New Hampshire $1,086 -$420 -27.9%
New Jersey $1,686 $180 12.0%
New Mexico $1,332 -$174 -11.6%
New York $1,588 $82 5.4%
North Carolina $868 -$638 -42.4%
North Dakota $1,234 -$272 -18.1%
Ohio $1,040 -$466 -30.9%
Oklahoma $1,544 $38 2.5%
Oregon $1,378 -$128 -8.5%
Pennsylvania $1,436 -$70 -4.6%
Rhode Island $2,008 $502 33.3%
South Carolina $1,366 -$140 -9.3%
South Dakota $1,270 -$236 -15.7%
Tennessee $1,318 -$188 -12.5%
Texas $1,812 $306 20.3%
Utah $1,114 -$392 -26.0%
Vermont $1,030 -$476 -31.6%
Virginia $902 -$604 -40.1%
Washington $1,164 -$342 -22.7%
West Virginia $1,380 -$126 -8.4%
Wisconsin $1,042 -$464 -30.8%
Wyoming $1,342 -$164 -10.9%

View Chart as Image

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

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Rates by Driver Age

Ford Focus SES 2-Dr Coupe Insurance Rates by Driver Age
Driver Age Premium
16 $5,618
20 $3,492
30 $1,572
40 $1,506
50 $1,376
60 $1,350

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus SES 2-Dr Coupe Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,910
$250 $1,722
$500 $1,506
$1,000 $1,298

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus SES 2-Dr Coupe Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,506
50/100 $1,588
100/300 $1,691
250/500 $1,957
100 CSL $1,629
300 CSL $1,855
500 CSL $2,019

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus SES 2-Dr Coupe Insurance Rates for High Risk Drivers
Age Premium
16 $8,014
20 $5,546
30 $3,334
40 $3,260
50 $3,110
60 $3,082

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 $210

Potential Rate Discounts

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

Discount Savings
Multi-policy $80
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $112
5-yr Claim Free $97
Paid in Full/EFT $70
Advance Quote $75
Online Quote $106
Total Discounts $639
Rate after discounts $867

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

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