Ford Focus SES 2-Dr Coupe Insurance Rates

The average insurance rates for a Ford Focus SES 2-Dr Coupe are $1,506 a year with full coverage. Comprehensive insurance costs around $312 each year, collision costs $604, and liability costs $410. Buying just liability costs as little as $486 a year, with insurance for high-risk drivers costing $3,260 or more. Teen drivers cost the most to insure at $5,618 a year or more.

Annual premium for full coverage: $1,506

Policy rates for individual coverage:

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 differences demonstrate why all drivers should compare rates for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Insurance rates for a Ford Focus SES 2-Dr Coupe also range considerably based on your risk profile, the actual cash value of your Focus, and deductibles and policy limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,600 a year. View Rates by Age

Your home state makes a big difference in Ford Focus SES 2-Dr Coupe insurance prices. A 40-year-old driver could pay 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.

Choosing high deductibles could save up to $620 every year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $369 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, so the rates will be varied from one company to the next.

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The chart above shows Ford Focus SES 2-Dr Coupe insurance rates for different risk profiles and scenarios. The best rate after discounts is $867. Drivers who choose higher $1,000 deductibles will pay around $1,298. The average rate for a driver age 40 with no violations using $500 deductibles is $1,506. Using lower $100 deductibles for comp and collision coverage can cost as much as $1,910. High risk drivers could be charged around $3,260. The policy rate for full coverage for a 16-year-old driver is $5,618.

View Chart as Image