Ford Focus Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance rates for a Ford Focus are $1,300 a year for full coverage. Comprehensive costs an estimated $216, collision costs $484, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $2,848. Teen drivers cost the most to insure at $5,060 a year or more.
Average premium for full coverage: $1,300
Policy rates broken down by type of insurance:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for different Focus trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Ford Focus insurance rates go from the low end price of $496 for liability-only coverage to a much higher rate of $2,848 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. More rural locations are shown to have lower incidents of accident claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above show why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below shows estimated Ford Focus insurance rates for other coverage scenarios.
- The lowest rate with discounts is $745
- Using higher $1,000 deductibles will save approximately $158 a year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,300
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,610
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,848 or more
- Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,060 or more
Insurance rates for a Ford Focus also range considerably based on the model year and trim level, how you drive, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be from 43% to 137% more than average. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age
Your home state has a huge impact on Ford Focus insurance prices. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,860 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could cut rates by as much as $470 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $450 more per year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company uses a different rate calculation, so the rates will be varied.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Ford Focus S 4-Dr Sedan||$1,198||$100|
|Ford Focus SE 4-Dr Sedan||$1,262||$105|
|Ford Focus SEL 4-Dr Sedan||$1,300||$108|
|Ford Focus SES 4-Dr Sedan||$1,300||$108|
|Ford Focus SE 2-Dr Coupe||$1,390||$116|
|Ford Focus SES 2-Dr Coupe||$1,440||$120|
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.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Ford Focus||$216||$484||$442||$1,300|
|2017 Ford Focus||$206||$450||$452||$1,266|
|2016 Ford Focus||$198||$424||$456||$1,236|
|2015 Ford Focus||$190||$380||$460||$1,188|
|2014 Ford Focus||$178||$350||$460||$1,146|
|2013 Ford Focus||$172||$328||$464||$1,122|
|2012 Ford Focus||$168||$306||$474||$1,106|
|2011 Ford Focus||$156||$284||$474||$1,072|
|2010 Ford Focus||$150||$258||$478||$1,044|
|2009 Ford Focus||$140||$236||$474||$1,008|
|2008 Ford Focus||$132||$214||$474||$978|
|2007 Ford Focus||$128||$192||$468||$946|
|2006 Ford Focus||$126||$188||$460||$932|
|2005 Ford Focus||$124||$178||$452||$912|
|2004 Ford Focus||$114||$170||$446||$888|
|2003 Ford Focus||$110||$162||$442||$872|
Rates are averaged for all Ford Focus models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Ford Focus Insurance
Finding cheaper rates on insurance for a Ford Focus requires being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at every policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.
Below you'll find a quick review of the data raised in the charts and tables above.
- Insureds who want more liability protection will pay about $490 each year to increase from a 30/60 limit to the 250/500 level
- Drivers can save approximately $160 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- Youthful drivers are charged the highest rates, costing up to $422 each month if full coverage is included
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.
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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.
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.
Vehicle Tested Overall Frontal Side Rollover
2018 Ford Focus RS 5 HB AWD 5 stars 4 stars 5 stars 4 stars
2018 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2018 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2018 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Focus RS 5 HB AWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2017 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2017 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Focus RS 5 HB AWD N/R N/R N/R N/R
2016 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2016 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2016 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2015 Ford Focus Bev 5 HB FWD N/R N/R N/R 5 stars
2015 Ford Focus 5 HB FWD 5 stars 5 stars 5 stars 4 stars
2015 Ford Focus 4 DR FWD 5 stars 5 stars 5 stars 4 stars
2014 Ford Focus 5 HB FWD 5 stars 4 stars 5 stars 4 stars
2014 Ford Focus 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2013 Ford Focus BEV 5 HB FWD 5 stars 5 stars 5 stars 5 stars
2013 Ford Focus 5 HB FWD 5 stars 4 stars 5 stars 4 stars
2013 Ford Focus 4 DR FWD 5 stars 4 stars 5 stars 4 stars
2012 Ford Focus 5 DR FWD 4 stars 4 stars 5 stars 4 stars
2012 Ford Focus 4 DR FWD 4 stars 4 stars 5 stars 4 stars
2011 Ford Focus 4 DR FWD N/R N/R N/R 4 stars
2011 Ford Focus 2 DR FWD N/R N/R N/R 4 stars
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.
Insurance Coverage Category Loss Rate
Property damage 39%
Personal injury 59%
Medical payment 69%
Bodily injury 71%
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.
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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$96|
|5-yr Claim Free||$85|
|Paid in Full/EFT||$58|
Discounts are estimated and may not be available from every company or in every state.