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.

Average auto insurance rates for a Ford Focus are $1,188 annually for full coverage. Comprehensive insurance costs an estimated $190 a year, collision costs $380, and liability coverage costs around $460. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,590 or more. Teen drivers receive the highest rates at $4,696 a year or more.

Average premium for full coverage: $1,188

Rate estimates broken down by individual coverage type:

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Focus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on insurance rates. More rural locations tend to have fewer accident claims than larger metro areas.

The diagram below illustrates how your location can change insurance prices.

These examples show why it is important to compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Ford Focus insurance rates for other coverage scenarios.

• The lowest rate with discounts is $692
• Using higher $1,000 deductibles will save approximately $1,058 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,188
• Choosing low $100 deductibles for physical damage coverage costs an additional $252 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,590 or more
• The cost with full coverage for a teenage driver can cost as much as $4,696 or more

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $4,600 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $390 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Ford Focus insurance rates. A driver around age 40 might see rates as low as $780 a year in states like Iowa, Maine, and Idaho, or as much as $1,700 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates can be significantly different between companies.

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 Buy the Cheapest Ford Focus Insurance

Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a recap of the car insurance concepts illustrated above.

• Drivers that have major violations or accidents may pay on average $1,400 more annually for auto insurance
• Drivers can save approximately $140 per year simply by quoting early and online
• Increasing deductibles could save up to $375 each year
• Consumers who want higher levels of liability will pay about $510 each year to increase from a minimum limit to higher 250/500 limits

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