Ford Focus SE 4-Dr Sedan Insurance Rates

U.S. average insurance rates for a Ford Focus SE 4-Dr Sedan are $1,320 a year for full coverage. Comprehensive insurance costs an estimated $258, collision insurance costs $540, and liability costs $364. Liability-only insurance costs as little as $430 a year, and high-risk driver insurance costs $2,868 or more. Teen drivers pay the highest rates at up to $4,964 a year.

Annual premium for full coverage: $1,320

Price estimates broken down by 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

These price ranges show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Ford Focus SE 4-Dr Sedan are also quite variable based on your driving record, the model year of your Focus, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teenage drivers, where even good drivers will be charged at least $4,900 a year. View Rates by Age

The state you live in makes a big difference in Ford Focus SE 4-Dr Sedan insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could save up to $540 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 135% more than average. View High Risk Driver Rates

Since rates can be so different, the only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes may be quite different from one company to the next.

View Chart as Image

Chart shows Ford Focus SE 4-Dr Sedan insurance rates for various risk profiles and scenarios. The best rate after discounts is $754. Drivers who choose higher $1,000 deductibles will pay around $1,140. The average rate for a driver around age 40 using $500 deductibles is $1,320. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $1,674. High risk drivers could be charged at least $2,868. The price for full coverage for a teenage driver is $4,964.

View Chart as Image