Ford Focus Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 1, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance rates for a Ford Focus are $1,318 a year for full coverage. Comprehensive costs on average $228 a year, collision costs $502, and liability insurance costs $430. A liability-only policy costs as little as $486 a year, with high-risk insurance costing around $2,880. Teen drivers receive the highest rates at $5,084 a year or more.

Average premium for full coverage: $1,318

Rate estimates by individual coverage type:

Comprehensive $228
Collision $502
Liability $430

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Focus trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $486 for only liability insurance to a high of $2,880 for a high risk driver.

Liability Only $486
Full Coverage $1,318
High Risk $2,880

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $989
Small Cities $1,384
Large Cities $1,779

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying 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.

Insurance Rate Analysis

The chart below shows estimated Ford Focus insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $753
  • Drivers who choose higher $1,000 deductibles will pay around $1,152 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,318
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,642
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,880 or more
  • The cost for full coverage for a teen driver may cost $5,084 a year

View Chart as Image

Ford Focus insurance cost comparison chart
Column chart showing full coverage Ford Focus insurance rates range from $753 to $5,084

for a Ford Focus can also vary considerably based on your driver profile, the trim level of your Focus, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age

Where you live makes a big difference in Ford Focus insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,880 on average in Michigan, Louisiana, and New York.

Ford Focus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,192 -$126 -9.6%
Alaska $1,010 -$308 -23.4%
Arizona $1,092 -$226 -17.1%
Arkansas $1,318 -$0 0.0%
California $1,502 $184 14.0%
Colorado $1,260 -$58 -4.4%
Connecticut $1,356 $38 2.9%
Delaware $1,492 $174 13.2%
Florida $1,648 $330 25.0%
Georgia $1,216 -$102 -7.7%
Hawaii $946 -$372 -28.2%
Idaho $890 -$428 -32.5%
Illinois $982 -$336 -25.5%
Indiana $992 -$326 -24.7%
Iowa $888 -$430 -32.6%
Kansas $1,252 -$66 -5.0%
Kentucky $1,796 $478 36.3%
Louisiana $1,948 $630 47.8%
Maine $812 -$506 -38.4%
Maryland $1,086 -$232 -17.6%
Massachusetts $1,054 -$264 -20.0%
Michigan $2,290 $972 73.7%
Minnesota $1,102 -$216 -16.4%
Mississippi $1,576 $258 19.6%
Missouri $1,170 -$148 -11.2%
Montana $1,416 $98 7.4%
Nebraska $1,040 -$278 -21.1%
Nevada $1,578 $260 19.7%
New Hampshire $950 -$368 -27.9%
New Jersey $1,472 $154 11.7%
New Mexico $1,166 -$152 -11.5%
New York $1,388 $70 5.3%
North Carolina $758 -$560 -42.5%
North Dakota $1,078 -$240 -18.2%
Ohio $908 -$410 -31.1%
Oklahoma $1,352 $34 2.6%
Oregon $1,206 -$112 -8.5%
Pennsylvania $1,256 -$62 -4.7%
Rhode Island $1,758 $440 33.4%
South Carolina $1,192 -$126 -9.6%
South Dakota $1,112 -$206 -15.6%
Tennessee $1,156 -$162 -12.3%
Texas $1,588 $270 20.5%
Utah $976 -$342 -25.9%
Vermont $902 -$416 -31.6%
Virginia $788 -$530 -40.2%
Washington $1,020 -$298 -22.6%
West Virginia $1,206 -$112 -8.5%
Wisconsin $914 -$404 -30.7%
Wyoming $1,172 -$146 -11.1%

View Chart as Image

Ford Focus insurance rates by U.S. city

Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $438 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly 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 $1,210 $101
Ford Focus SE 4-Dr Sedan $1,278 $107
Ford Focus SEL 4-Dr Sedan $1,318 $110
Ford Focus SES 4-Dr Sedan $1,318 $110
Ford Focus SE 2-Dr Coupe $1,408 $117
Ford Focus SES 2-Dr Coupe $1,458 $122

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 $228 $502 $430 $1,318
2017 Ford Focus $216 $484 $442 $1,300
2016 Ford Focus $206 $450 $452 $1,266
2015 Ford Focus $198 $424 $456 $1,236
2014 Ford Focus $190 $380 $460 $1,188
2013 Ford Focus $178 $350 $460 $1,146
2012 Ford Focus $172 $328 $464 $1,122
2011 Ford Focus $168 $306 $474 $1,106
2010 Ford Focus $156 $284 $474 $1,072
2009 Ford Focus $150 $258 $478 $1,044
2008 Ford Focus $140 $236 $474 $1,008
2007 Ford Focus $132 $214 $474 $978
2006 Ford Focus $128 $192 $468 $946
2005 Ford Focus $126 $188 $460 $932
2004 Ford Focus $124 $178 $452 $912
2003 Ford Focus $114 $170 $446 $888
2002 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 Cheaper Ford Focus Insurance

Saving money on Ford Focus insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $470 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $424 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,560 more each year for insurance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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
Get Your Rates Quote Now

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%
Get Your Rates Quote Now

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 $5,084
20 $3,088
30 $1,366
40 $1,318
50 $1,208
60 $1,186

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,642
$250 $1,490
$500 $1,318
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,318
50/100 $1,555
100/300 $1,677
250/500 $1,993
100 CSL $1,604
300 CSL $1,871
500 CSL $2,066

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,242
20 $4,928
30 $2,934
40 $2,880
50 $2,754
60 $2,732

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 $190

Potential Rate Discounts

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

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $98
5-yr Claim Free $86
Paid in Full/EFT $60
Advance Quote $66
Online Quote $93
Total Discounts $565
Rate after discounts $753

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles