Ford Focus Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 19, 2024

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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.

Estimated insurance rates for a Ford Focus are $1,266 a year for full coverage. Comprehensive costs approximately $206, collision costs $450, and liability insurance costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing around $2,768. 16-year-old drivers pay the most at $4,950 a year or more.

Average premium for full coverage: $1,266

Premium estimates by type of coverage:

Comprehensive $206
Collision $450
Liability $452

Prices are based on $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all Focus models.

Insurance Price Range by Risk and Coverage

For an average driver, insurance rates for a Ford Focus go from as low as $504 for just the minimum liability insurance to the much higher price of $2,768 for high-risk insurance.

Liability Only $504
Full Coverage $1,266
High Risk $2,768

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than congested cities.

The example below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $950
Small Cities $1,329
Large Cities $1,709

These rate differences show why everyone should compare rates using their specific location and risk profile, rather than relying on rate 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 Rate Analysis

The chart below shows estimated Ford Focus insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $728
  • Drivers who choose higher $1,000 deductibles will pay $148 a year
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,266
  • Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,560
  • High risk drivers with multiple tickets or accidents could pay around $2,768 or more
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,950 a year

View Chart as Image

Ford Focus insurance cost comparison chart
Column chart showing full coverage Ford Focus insurance rates range from $728 to $4,950

Insurance prices for a Ford Focus also have a wide range based on your driving characteristics, the trim level of your Focus, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $4,900 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 $840 a year in states like Iowa, Maine, and Idaho, or at least $1,810 on average in New York, Louisiana, and Michigan.

Ford Focus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,144 -$122 -9.6%
Alaska $970 -$296 -23.4%
Arizona $1,050 -$216 -17.1%
Arkansas $1,266 -$0 0.0%
California $1,442 $176 13.9%
Colorado $1,210 -$56 -4.4%
Connecticut $1,302 $36 2.8%
Delaware $1,432 $166 13.1%
Florida $1,584 $318 25.1%
Georgia $1,170 -$96 -7.6%
Hawaii $908 -$358 -28.3%
Idaho $856 -$410 -32.4%
Illinois $942 -$324 -25.6%
Indiana $952 -$314 -24.8%
Iowa $854 -$412 -32.5%
Kansas $1,202 -$64 -5.1%
Kentucky $1,728 $462 36.5%
Louisiana $1,874 $608 48.0%
Maine $782 -$484 -38.2%
Maryland $1,042 -$224 -17.7%
Massachusetts $1,014 -$252 -19.9%
Michigan $2,200 $934 73.8%
Minnesota $1,060 -$206 -16.3%
Mississippi $1,516 $250 19.7%
Missouri $1,122 -$144 -11.4%
Montana $1,358 $92 7.3%
Nebraska $998 -$268 -21.2%
Nevada $1,518 $252 19.9%
New Hampshire $914 -$352 -27.8%
New Jersey $1,416 $150 11.8%
New Mexico $1,122 -$144 -11.4%
New York $1,334 $68 5.4%
North Carolina $730 -$536 -42.3%
North Dakota $1,038 -$228 -18.0%
Ohio $874 -$392 -31.0%
Oklahoma $1,300 $34 2.7%
Oregon $1,160 -$106 -8.4%
Pennsylvania $1,208 -$58 -4.6%
Rhode Island $1,690 $424 33.5%
South Carolina $1,148 -$118 -9.3%
South Dakota $1,068 -$198 -15.6%
Tennessee $1,108 -$158 -12.5%
Texas $1,528 $262 20.7%
Utah $938 -$328 -25.9%
Vermont $868 -$398 -31.4%
Virginia $758 -$508 -40.1%
Washington $978 -$288 -22.7%
West Virginia $1,160 -$106 -8.4%
Wisconsin $878 -$388 -30.6%
Wyoming $1,128 -$138 -10.9%

View Chart as Image

Ford Focus insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $450 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $459 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra annually, depending on your age. Ford Focus insurance for high-risk drivers can cost anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, so the prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Ford Focus Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Ford Focus S 4-Dr Sedan $1,170 $98
Ford Focus SE 4-Dr Sedan $1,230 $103
Ford Focus SEL 4-Dr Sedan $1,266 $106
Ford Focus SES 4-Dr Sedan $1,266 $106
Ford Focus SE 2-Dr Coupe $1,358 $113
Ford Focus SES 2-Dr Coupe $1,402 $117

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.

Ford Focus Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Ford Focus $206 $450 $452 $1,266
2017 Ford Focus $198 $424 $456 $1,236
2016 Ford Focus $190 $380 $460 $1,188
2015 Ford Focus $178 $350 $460 $1,146
2014 Ford Focus $172 $328 $464 $1,122
2013 Ford Focus $168 $306 $474 $1,106
2012 Ford Focus $156 $284 $474 $1,072
2011 Ford Focus $150 $258 $478 $1,044
2010 Ford Focus $140 $236 $474 $1,008
2009 Ford Focus $132 $214 $474 $978
2008 Ford Focus $128 $192 $468 $946
2007 Ford Focus $126 $188 $460 $932
2006 Ford Focus $124 $178 $452 $912
2005 Ford Focus $114 $170 $446 $888
2004 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 Affordable Ford Focus Insurance

Finding better rates on Ford Focus insurance not only requires being a good driver, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the material that was covered in the above illustrations.

  • Drivers who purchase an increased level of liability coverage will pay around $500 each year to go from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, as much as $413 per month for full coverage
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,500 more per year than a safer driver
  • Increasing policy deductibles can save around $450 each year

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.

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
Vehicle TestedOverallFrontalSideRollover
2018 Ford Focus RS 5 HB AWD5 stars4 stars5 stars4 stars
2018 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2018 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2018 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2018 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
2017 Ford Focus RS 5 HB AWD5 stars4 stars5 stars4 stars
2017 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2017 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2017 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
2016 Ford Focus RS 5 HB AWDN/RN/RN/RN/R
2016 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2016 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2016 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
2015 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2015 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2015 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
2014 Ford Focus 5 HB FWD5 stars4 stars5 stars4 stars
2014 Ford Focus 4 DR FWD5 stars4 stars5 stars4 stars
2013 Ford Focus BEV 5 HB FWD5 stars5 stars5 stars5 stars
2013 Ford Focus 5 HB FWD5 stars4 stars5 stars4 stars
2013 Ford Focus 4 DR FWD5 stars4 stars5 stars4 stars
2012 Ford Focus 5 DR FWD4 stars4 stars5 stars4 stars
2012 Ford Focus 4 DR FWD4 stars4 stars5 stars4 stars
2011 Ford Focus 4 DR FWDN/RN/RN/R4 stars
2011 Ford Focus 2 DR FWDN/RN/RN/R4 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. 

Ford Focus Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision14%
Property damage39%
Comprehensive-10%
Personal injury59%
Medical payment69%
Bodily injury71%

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.

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

Rates by Driver Age

Ford Focus Insurance Rates by Driver Age
Driver Age Premium
16 $4,950
20 $2,968
30 $1,308
40 $1,266
50 $1,162
60 $1,140

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,560
$250 $1,422
$500 $1,266
$1,000 $1,118

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,266
50/100 $1,504
100/300 $1,632
250/500 $1,963
100 CSL $1,555
300 CSL $1,836
500 CSL $2,040

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,042
20 $4,736
30 $2,814
40 $2,768
50 $2,650
60 $2,628

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 $182

Potential Rate Discounts

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

Discount Savings
Multi-policy $66
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $82
Paid in Full/EFT $56
Advance Quote $63
Online Quote $89
Total Discounts $538
Rate after discounts $728

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

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