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Ford Focus Insurance Rates

Ford Focus insurance

Average auto insurance rates for a Ford Focus are $1,294 annually including full coverage. Comprehensive costs approximately $254 each year, collision costs $534, and liability insurance is estimated at $354. A policy with just liability insurance costs approximately $416 a year, with coverage for high-risk drivers costing around $2,812. Teenage drivers receive the highest rates at $4,856 a year or more.

Average premium for full coverage: $1,294

Rate estimates by individual coverage type:

Comprehensive $254
Collision $534
Liability $354

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 $416 for the bare minimum liability coverage to a high rate of $2,812 for a high-risk insurance policy.

Liability Only $416
Full Coverage $1,294
High Risk $2,812

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 $971
Small Cities $1,359
Large Cities $1,747

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.

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Additional Rate Information

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

  • The best discount rate is $738
  • Choosing higher $1,000 deductibles can save $180 every year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,294
  • Using low deductibles for comp and collision coverage will cost $1,644
  • High-risk insureds who are prone to accidents and violations could pay around $2,812 or more
  • The cost with full coverage for a teen driver can cost $4,856 each year

View Chart as Image

Ford Focus insurance cost comparison chart
Column chart showing full coverage Ford Focus insurance rates range from $738 to $4,856

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 $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $530 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 $360 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 $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,060 on average in Louisiana, New York, and Michigan.

Ford Focus Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,242-$52-4.0%
Alaska$1,060-$234-18.1%
Arizona$1,296$20.2%
Arkansas$1,308$141.1%
California$1,450$15612.1%
Colorado$1,344$503.9%
Connecticut$1,692$39830.8%
Delaware$1,572$27821.5%
Florida$1,746$45234.9%
Georgia$1,282-$12-0.9%
Hawaii$1,396$1027.9%
Idaho$898-$396-30.6%
Illinois$960-$334-25.8%
Indiana$920-$374-28.9%
Iowa$972-$322-24.9%
Kansas$1,188-$106-8.2%
Kentucky$1,674$38029.4%
Louisiana$2,094$80061.8%
Maine$886-$408-31.5%
Maryland$1,328$342.6%
Massachusetts$1,140-$154-11.9%
Michigan$2,376$1,08283.6%
Minnesota$1,134-$160-12.4%
Mississippi$1,266-$28-2.2%
Missouri$1,102-$192-14.8%
Montana$1,172-$122-9.4%
Nebraska$1,064-$230-17.8%
Nevada$1,668$37428.9%
New Hampshire$1,054-$240-18.5%
New Jersey$1,286-$8-0.6%
New Mexico$1,198-$96-7.4%
New York$1,682$38830.0%
North Carolina$918-$376-29.1%
North Dakota$1,256-$38-2.9%
Ohio$910-$384-29.7%
Oklahoma$1,570$27621.3%
Oregon$1,210-$84-6.5%
Pennsylvania$1,456$16212.5%
Rhode Island$1,568$27421.2%
South Carolina$1,204-$90-7.0%
South Dakota$1,012-$282-21.8%
Tennessee$1,162-$132-10.2%
Texas$1,242-$52-4.0%
Utah$1,144-$150-11.6%
Vermont$918-$376-29.1%
Virginia$928-$366-28.3%
Washington$1,140-$154-11.9%
West Virginia$1,316$221.7%
Wisconsin$1,318$241.9%
Wyoming$1,430$13610.5%

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 TrimAnnual PremiumMonthly Premium
Ford Focus S 4-Dr Sedan$1,180$98
Ford Focus SE 4-Dr Sedan$1,250$104
Ford Focus SEL 4-Dr Sedan$1,294$108
Ford Focus SES 4-Dr Sedan$1,294$108
Ford Focus SE 2-Dr Coupe$1,370$114
Ford Focus SES 2-Dr Coupe$1,426$119

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 YearComprehensiveCollisionLiabilityTotal Premium
2018 Ford Focus$254$534$354$1,294
2017 Ford Focus$242$514$370$1,278
2016 Ford Focus$232$510$378$1,272
2015 Ford Focus$224$498$396$1,270
2014 Ford Focus$216$476$408$1,252
2013 Ford Focus$204$460$420$1,236
2012 Ford Focus$196$426$428$1,202
2011 Ford Focus$188$402$432$1,174
2010 Ford Focus$180$360$436$1,128
2009 Ford Focus$168$332$436$1,088
2008 Ford Focus$164$310$440$1,066
2007 Ford Focus$160$290$450$1,052
2006 Ford Focus$148$270$450$1,020
2005 Ford Focus$144$244$454$994
2004 Ford Focus$134$224$450$960
2003 Ford Focus$126$204$450$932
2002 Ford Focus$122$182$446$902
2001 Ford Focus$120$178$436$886
2000 Ford Focus$118$170$428$868

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 $1,520 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 $525 each year
  • Drivers who purchase increased levels of liability coverage will pay an extra $390 per year to raise limits from a minimum limit to higher 250/500 limits

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Rates by Driver Age

Ford Focus Insurance Rates by Driver Age
Driver AgePremium
16$4,856
20$3,018
30$1,348
40$1,294
50$1,182
60$1,160

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,644
$250$1,480
$500$1,294
$1,000$1,114

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,294
50/100$1,506
100/300$1,606
250/500$1,866
100 CSL$1,546
300 CSL$1,766
500 CSL$1,926

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus Insurance Rates for High Risk Drivers
AgePremium
16$6,928
20$4,800
30$2,876
40$2,812
50$2,686
60$2,660

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 $183

Potential Rate Discounts

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

DiscountSavings
Multi-policy$69
Multi-vehicle$68
Homeowner$19
5-yr Accident Free$98
5-yr Claim Free$84
Paid in Full/EFT$61
Advance Quote$66
Online Quote$91
Total Discounts$556
Rate after discounts $738

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

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