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Ford Focus SES 4-Dr Sedan Insurance Rates

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U.S. average auto insurance rates for a Ford Focus SES 4-Dr Sedan are $1,364 annually with full coverage. Comprehensive costs an estimated $270, collision insurance costs $572, and liability costs around $364. Liability-only coverage costs as low as $430 a year, and high-risk coverage costs around $2,968. Teen drivers pay the highest rates at up to $5,110 a year.

Annual premium for full coverage: $1,364

Price estimates broken down by type of insurance:

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 the normal driver, Ford Focus SES 4-Dr Sedan insurance prices range from as cheap as $430 for the bare minimum liability coverage to a much higher rate of $2,968 for a driver who requires high-risk insurance.

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

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have fewer collision claims than larger metro areas. The price range example below illustrates how geographic area affects insurance prices.

Rural Areas $1,023
Small Cities $1,432
Large Cities $1,841

These price ranges demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of making a decision based 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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Auto insurance rates for a Ford Focus SES 4-Dr Sedan are also quite variable based on the actual cash value of your Focus, your driving record, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,600 to $2,200 in extra premium each year, depending on your age. High-risk driver insurance can be from 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $570 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Focus SES 4-Dr Sedan insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted rates may be quite different between companies.

View Chart as Image

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

The chart above shows Ford Focus SES 4-Dr Sedan insurance prices for various situations. The cheapest discount price is $779. Drivers who choose higher $1,000 deductibles will pay about $1,174. The average price for a driver around age 40 using $500 deductibles is $1,364. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,740. High risk drivers could be charged at least $2,968. The price for full coverage insurance for a teenage driver can be as high as $5,110.

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

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Rates by Driver Age

Ford Focus SES 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 SES 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 SES 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 SES 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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