Ford Focus SE 2-Dr Coupe Insurance Rates

Estimated insurance prices for a Ford Focus SE 2-Dr Coupe are $1,446 every 12 months with full coverage. Comprehensive costs around $284, collision insurance costs $572, and liability insurance costs around $410. Liability-only insurance costs as low as $486 a year, and high-risk driver insurance costs around $3,138. Teen drivers pay the most at up to $5,452 a year.

Annual premium for full coverage: $1,446

Premium estimates for type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Ford Focus Trim Level

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas. The price range example below illustrates the difference location can make on auto insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Ford Focus SE 2-Dr Coupe also have a wide range based on physical damage deductibles and liability limits, your driving record, and the actual cash value of your Focus.

Choosing high deductibles could cut rates by as much as $580 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $369 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 131% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Focus SE 2-Dr Coupe insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to find out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be substantially different.

View Chart as Image

The chart above shows Ford Focus SE 2-Dr Coupe insurance rates for various coverage choices and risks. The lowest rate with discounts is $833. Drivers who choose higher $1,000 deductibles will pay $1,252. The average rate for a driver age 40 with no violations using $500 deductibles is $1,446. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,826. High risk drivers could be charged up to $3,138. The price for full coverage insurance for a 16-year-old driver can be as high as $5,452.

View Chart as Image