Ford Focus Insurance Rates

Some consumers might ask, why is the Ford Focus so expensive to insure? But in truth, this reliable sedan is actually on the lower end in terms of car insurance. The average Ford Focus insurance rates are only around $111 per month or $1,336 annually. 

Before you buy Ford Focus car insurance, use this guide to help point you in the right direction. Not only can you use one of our car insurance calculators to find Ford Focus ST insurance costs, but we’ll also teach you how your Ford Focus car insurance rates are calculated. 

Once you’ve read through our comprehensive guide, you’ll be able to secure cheap car insurance for your Ford Focus like a professional. You’ll also learn how to save on multiple Ford Focus model years and trim levels, such as the 2015 or 2009 Ford Focus insurance costs. Or maybe you are looking for an older model, like the 2008 Ford Focus insurance rates. Don’t worry, we’ll cover them all. 

When you’re ready, you can start comparison shopping for some Ford Focus insurance rates no matter if you’re looking for insurance for yourself or for Ford Focus insurance for an 18-year-old.

To easily compare affordable Ford Focus car insurance quotes from multiple companies, just enter your ZIP code into our free quote tool above.

Estimated insurance rates for a Ford Focus are $1,188 a year including full coverage. Comprehensive costs an estimated $190 each year, collision insurance costs $380, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,590. 16-year-old drivers pay the most at up to $4,696 a year.

Average premium for full coverage: $1,188

Premium estimates broken down by type of coverage:

Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Focus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how location helps determine insurance prices.

These rate differences highlight why all drivers should compare rates for a targeted area, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down average Ford Focus insurance rates for other coverage scenarios.

• The best full coverage rate is $692
• Drivers who choose higher $1,000 deductibles will pay approximately $130 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,188
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,440
• High risk drivers with multiple tickets or accidents could pay up to $2,590
• An auto insurance policy that insures a teen driver can cost as much as $4,696 a year

View Chart as Image

Insurance prices for a Ford Focus also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $4,600 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Focus insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,700 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $390 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find More Affordable Ford Focus Insurance

Finding better rates on Ford Focus insurance not only requires not taking risks behind the wheel, but also having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Comparison shop every other policy renewal by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following is a summary of the ideas that were covered in the charts and tables above.

• Teens are charged the highest prices, with the cost nearing $391 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,400 more annually for Focus insurance
• Increasing policy deductibles can save approximately $375 each year
• You may be able to save approximately $140 per year just by quoting online in advance

When you are looking for a Ford Focus car insurance company, remember to also include the model year and trim level of your vehicle. As you’ve learned, it does matter whether you are looking for 2017, 2015, or 2010 Ford Focus insurance costs. 

Getting Ford Focus insurance quotes from multiple different providers will help you find savings on everything from Ford Focus SE costs to the 2015 Ford Focus coupe costs. 

Remember, your Ford Focus insurance prices will vary depending on the trim level and age of your car.

Can’t wait to find your best car insurance rates? You can use our FREE quote tool below to get Ford Focus insurance quotes instantly.

What are the safety ratings of the Ford Focus?

Older Ford Focuses are more likely to have fewer safety features, which can affect crash test ratings and insurance rates. So a Carro Ford Focus from 2010 will have different costs than the 2014 Ford Focus insurance rates or the 2009 Ford Focus SE.

Fortunately, the Ford Focus does have some great safety features, such as a rearview camera, blind-spot monitoring, rear cross-traffic alert, rear parking sensors, and lane departure warning. 

The Insurance Institute for Highway Safety (IIHS) gave the 2018 Ford Focus Sedan the following safety ratings:

• Small overlap front (driver-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

‘Good’ is the highest possible score given by the IIHS. Your car insurance rates will already reflect these nearly perfect safety ratings. 

Just remember, different model years and trim levels of the Ford Focus might receive different safety ratings. Therefore, we always recommend looking up the details about your specific vehicle for the most accuracy.

Like safety ratings, crash test results will also impact what you pay for your Ford Focus car insurance. 

Check out the results of the Ford Focus crash test ratings over the years from the National Highway Traffic Safety Administration (NHTSA) in the table below.

Ford Focus Crash Test Ratings

A 5-star rating is the highest possible score given by the NHTSA. Overall, the Ford Focus performed well. You can trust that your car insurance rates for this reliable sedan will not increase dramatically anytime soon. 

Should you compare the Ford Focus to other vehicles in the same car class?

The Ford Focus is a small car. Unfortunately, the Insurance Institute for Highway Safety found that the liability losses for the Ford Focus, in comparison to other small cars, are substantially worse than average.

What does this mean exactly? Higher insurance loss ratios lead to higher car insurance rates. View details about the different Ford Focus insurance loss probabilities by category in the table below. 

Ford Focus Insurance Loss Probability

Unfortunately, these numbers mean that most insurers will likely charge higher rates for liability insurance on a Ford Focus. 

The list below is of other small cars, so you can see how Ford Focus insurance rates compare.

• Acura ILX Insurance Rates
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• Chevrolet Cruze Insurance Rates

You are now ready to buy Ford Focus car insurance at a low rate. To find out how much a 2012 Ford Focus costs to insure, how much a 2011 Ford Focus insurance policy is, or the best car insurance rates for a 2014 Ford Focus, start by shopping around. 

You can easily compare Ford Focus car insurance quotes from reputable companies near you. 

All you have to do is enter your ZIP code into our FREE online quote tool to find the best Ford Focus insurance company in your area, whether it’s Ford Focus insurance in Houston, New York, or beyond.

References:

1. https://www.iihs.org/ratings/vehicle/Ford/focus-4-door-sedan/2018
2. https://www.nhtsa.gov/vehicle/2018/FORD/FOCUS/4%252520DR/FWD