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.

Estimated auto insurance rates for a Ford Focus are $1,236 annually with full coverage. Comprehensive insurance costs around $198 a year, collision costs $424, and liability costs around $456. A policy with only liability insurance costs as low as $508 a year, with a high-risk policy costing $2,700 or more. 16-year-old drivers pay the most at $4,858 a year or more.

Average premium for full coverage: $1,236

Premium estimates for type of coverage:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and Focus trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below details estimated Ford Focus insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $714
• Using higher $1,000 deductibles will save about $1,094 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,236
• Buying low $100 deductibles for physical damage coverage costs an additional $276 annually
• High-risk insureds with multiple tickets or accidents could pay at least $2,700 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $4,858 or more

View Chart as Image

Car insurance prices for a Ford Focus also have a wide range based on the model of your Focus, your driving record, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,500 to $2,100 extra annually, depending on your age. A high-risk auto insurance policy can be from 43% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $420 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Focus insurance prices. A driver around age 40 might see prices as low as $890 a year in states like New Hampshire, Ohio, and Utah, or at least $1,670 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be substantially 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 Right Ford Focus Insurance

Finding better rates on insurance for a Ford Focus requires being safe and accident-free, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by getting quotes from direct companies, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the primary concepts that were covered above.

• You may be able to save up to $150 per year simply by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,460 more every year than a low-risk driver
• Increasing policy deductibles could save up to $425 each year
• Youthful drivers are the costliest to insure, possibly costing $405 per month if comprehensive and collision insurance 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.

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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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