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: 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:

Comprehensive $216
Collision $484
Liability $442

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.

Liability Only $496
Full Coverage $1,300
High Risk $2,848

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.

Rural Areas $975
Small Cities $1,365
Large Cities $1,755

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

View Chart as Image

Ford Focus insurance cost comparison chart
Column chart showing full coverage Ford Focus insurance rates range from $745 to $5,060

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.

Ford Focus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,176 -$124 -9.5%
Alaska $998 -$302 -23.2%
Arizona $1,080 -$220 -16.9%
Arkansas $1,300 -$0 0.0%
California $1,482 $182 14.0%
Colorado $1,242 -$58 -4.5%
Connecticut $1,338 $38 2.9%
Delaware $1,472 $172 13.2%
Florida $1,626 $326 25.1%
Georgia $1,200 -$100 -7.7%
Hawaii $934 -$366 -28.2%
Idaho $880 -$420 -32.3%
Illinois $968 -$332 -25.5%
Indiana $980 -$320 -24.6%
Iowa $878 -$422 -32.5%
Kansas $1,236 -$64 -4.9%
Kentucky $1,774 $474 36.5%
Louisiana $1,926 $626 48.2%
Maine $800 -$500 -38.5%
Maryland $1,074 -$226 -17.4%
Massachusetts $1,042 -$258 -19.8%
Michigan $2,260 $960 73.8%
Minnesota $1,088 -$212 -16.3%
Mississippi $1,558 $258 19.8%
Missouri $1,152 -$148 -11.4%
Montana $1,398 $98 7.5%
Nebraska $1,026 -$274 -21.1%
Nevada $1,558 $258 19.8%
New Hampshire $938 -$362 -27.8%
New Jersey $1,454 $154 11.8%
New Mexico $1,150 -$150 -11.5%
New York $1,370 $70 5.4%
North Carolina $748 -$552 -42.5%
North Dakota $1,064 -$236 -18.2%
Ohio $898 -$402 -30.9%
Oklahoma $1,334 $34 2.6%
Oregon $1,192 -$108 -8.3%
Pennsylvania $1,242 -$58 -4.5%
Rhode Island $1,734 $434 33.4%
South Carolina $1,176 -$124 -9.5%
South Dakota $1,098 -$202 -15.5%
Tennessee $1,140 -$160 -12.3%
Texas $1,568 $268 20.6%
Utah $964 -$336 -25.8%
Vermont $890 -$410 -31.5%
Virginia $778 -$522 -40.2%
Washington $1,006 -$294 -22.6%
West Virginia $1,192 -$108 -8.3%
Wisconsin $900 -$400 -30.8%
Wyoming $1,160 -$140 -10.8%

View Chart as Image

Ford Focus insurance rates by U.S. city

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

Ford Focus Insurance Rates by Model and Trim Level
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.

Ford Focus Insurance Rates by Model Year
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.

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 $5,060
20 $3,054
30 $1,346
40 $1,300
50 $1,192
60 $1,170

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,610
$250 $1,464
$500 $1,300
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,300
50/100 $1,540
100/300 $1,665
250/500 $1,990
100 CSL $1,590
300 CSL $1,865
500 CSL $2,065

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,202
20 $4,876
30 $2,898
40 $2,848
50 $2,724
60 $2,702

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 $188

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $71
Homeowner $20
5-yr Accident Free $96
5-yr Claim Free $85
Paid in Full/EFT $58
Advance Quote $65
Online Quote $91
Total Discounts $555
Rate after discounts $745

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

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