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Ford Focus Insurance Rates

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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 ...

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UPDATED: Nov 22, 2019

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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.

Average auto insurance rates for a Ford Focus are $1,334 annually including full coverage. Comprehensive costs approximately $236 each year, collision costs $524, and liability insurance is estimated at $416. A policy with just liability insurance costs approximately $474 a year, with coverage for high-risk drivers costing around $2,918. Teenage drivers receive the highest rates at $5,118 a year or more.

Average premium for full coverage: $1,334

Rate estimates by individual coverage type:

Comprehensive $236
Collision $524
Liability $416

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and Focus models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as cheap as $474 for the bare minimum liability coverage to a high rate of $2,918 for a high-risk insurance policy.

Liability Only $474
Full Coverage $1,334
High Risk $2,918

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,001
Small Cities $1,401
Large Cities $1,801

These examples highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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 Information

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

  • The best discount rate is $762
  • Choosing higher $1,000 deductibles can save $172 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,334
  • Using low deductibles for comp and collision coverage will cost $1,672
  • High-risk insureds who are prone to accidents and violations could pay around $2,918 or more
  • The cost with full coverage for a teen driver can cost $5,118 each year

View Chart as Image

Ford Focus insurance cost comparison chart
Column chart showing full coverage Ford Focus insurance rates range from $762 to $5,118

Insurance rates for a Ford Focus can also vary considerably based on the trim level of your Focus, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Ford Focus insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,900 on average in Louisiana, New York, and Michigan.

Ford Focus Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,208 -$126 -9.4%
Alaska $1,024 -$310 -23.2%
Arizona $1,108 -$226 -16.9%
Arkansas $1,334 -$0 0.0%
California $1,518 $184 13.8%
Colorado $1,276 -$58 -4.3%
Connecticut $1,372 $38 2.8%
Delaware $1,508 $174 13.0%
Florida $1,668 $334 25.0%
Georgia $1,232 -$102 -7.6%
Hawaii $958 -$376 -28.2%
Idaho $902 -$432 -32.4%
Illinois $994 -$340 -25.5%
Indiana $1,004 -$330 -24.7%
Iowa $902 -$432 -32.4%
Kansas $1,270 -$64 -4.8%
Kentucky $1,820 $486 36.4%
Louisiana $1,976 $642 48.1%
Maine $822 -$512 -38.4%
Maryland $1,100 -$234 -17.5%
Massachusetts $1,066 -$268 -20.1%
Michigan $2,318 $984 73.8%
Minnesota $1,116 -$218 -16.3%
Mississippi $1,598 $264 19.8%
Missouri $1,184 -$150 -11.2%
Montana $1,434 $100 7.5%
Nebraska $1,052 -$282 -21.1%
Nevada $1,598 $264 19.8%
New Hampshire $962 -$372 -27.9%
New Jersey $1,490 $156 11.7%
New Mexico $1,180 -$154 -11.5%
New York $1,406 $72 5.4%
North Carolina $770 -$564 -42.3%
North Dakota $1,090 -$244 -18.3%
Ohio $922 -$412 -30.9%
Oklahoma $1,370 $36 2.7%
Oregon $1,222 -$112 -8.4%
Pennsylvania $1,272 -$62 -4.6%
Rhode Island $1,778 $444 33.3%
South Carolina $1,208 -$126 -9.4%
South Dakota $1,126 -$208 -15.6%
Tennessee $1,168 -$166 -12.4%
Texas $1,608 $274 20.5%
Utah $988 -$346 -25.9%
Vermont $914 -$420 -31.5%
Virginia $800 -$534 -40.0%
Washington $1,032 -$302 -22.6%
West Virginia $1,222 -$112 -8.4%
Wisconsin $924 -$410 -30.7%
Wyoming $1,188 -$146 -10.9%

View Chart as Image

Ford Focus insurance rates by U.S. city

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, and rates can be significantly different between companies.

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 $1,222 $102
Ford Focus SE 4-Dr Sedan $1,292 $108
Ford Focus SEL 4-Dr Sedan $1,334 $111
Ford Focus SES 4-Dr Sedan $1,334 $111
Ford Focus SE 2-Dr Coupe $1,422 $119
Ford Focus SES 2-Dr Coupe $1,474 $123

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 $236 $524 $416 $1,334
2017 Ford Focus $228 $502 $430 $1,318
2016 Ford Focus $216 $484 $442 $1,300
2015 Ford Focus $206 $450 $452 $1,266
2014 Ford Focus $198 $424 $456 $1,236
2013 Ford Focus $190 $380 $460 $1,188
2012 Ford Focus $178 $350 $460 $1,146
2011 Ford Focus $172 $328 $464 $1,122
2010 Ford Focus $168 $306 $474 $1,106
2009 Ford Focus $156 $284 $474 $1,072
2008 Ford Focus $150 $258 $478 $1,044
2007 Ford Focus $140 $236 $474 $1,008
2006 Ford Focus $132 $214 $474 $978
2005 Ford Focus $128 $192 $468 $946
2004 Ford Focus $126 $188 $460 $932
2003 Ford Focus $124 $178 $452 $912
2002 Ford Focus $114 $170 $446 $888
2001 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 Buy Affordable Ford Focus Insurance

Saving money on Ford Focus insurance takes having a good driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The next list is a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,580 more per year to buy Ford Focus insurance
  • You may be able to save around $160 per year simply by quoting online in advance
  • Increasing deductibles could save up to $500 each year
  • Drivers who purchase increased levels of liability coverage will pay an extra $460 per year to raise limits 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.

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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
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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
Property damage39%
Personal injury59%
Medical payment69%
Bodily injury71%
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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.


  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 $5,118
20 $3,130
30 $1,388
40 $1,334
50 $1,222
60 $1,200

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,672
$250 $1,514
$500 $1,334
$1,000 $1,162

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,334
50/100 $1,568
100/300 $1,686
250/500 $1,991
100 CSL $1,615
300 CSL $1,874
500 CSL $2,062

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus Insurance Rates for High Risk Drivers
Age Premium
16 $7,296
20 $4,990
30 $2,974
40 $2,918
50 $2,788
60 $2,764

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 $192

Potential Rate Discounts

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

Discount Savings
Multi-policy $71
Multi-vehicle $72
Homeowner $20
5-yr Accident Free $100
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $67
Online Quote $94
Total Discounts $572
Rate after discounts $762

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

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