Ford Focus Insurance Rates

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.

U.S. average insurance rates for a Ford Focus are $1,236 a year for full coverage. Comprehensive costs around $198, collision insurance costs $424, and liability costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $2,700. 16-year-old drivers pay the highest rates at up to $4,858 a year.

Average premium for full coverage: $1,236

Price estimates for individual coverage:

Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Focus trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The price range example below illustrates how location helps determine auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare prices for a specific zip code, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below shows average Ford Focus insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $714
• Using higher $1,000 deductibles will save about $142 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,236
• Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,512
• Drivers with multiple tickets or accidents could pay at least $2,700
• The price that insures a teen driver with full coverage can be $4,858 or more

View Chart as Image

Car insurance prices for a Ford Focus are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,500 to $2,100 extra each year, depending on your age. High-risk driver insurance can be as much as 43% to 135% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged as much as $4,800 a year. View Rates by Age

The state you live in has a huge impact on Ford Focus insurance prices. A driver around age 40 might see prices as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,760 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $420 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 extra every 12 months. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

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.

How to Find the Best Ford Focus Insurance

Getting lower rates on car insurance requires being a good driver, having a positive credit history, eliminating unnecessary coverage, and consideration of higher deductibles. Comparison shop once a year by requesting quotes from direct carriers, and also from several local insurance agents.

The following list is a brief recap of the data that was covered in the charts and tables above.

• Drivers can save up to $150 per year just by shopping early and online
• Policyholders who may need an increased level of liability coverage will pay around $500 each year to increase from a low limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $405 a month if full coverage is purchased
• Higher risk drivers who tend to receive serious violations pay on average $1,460 more every year than a safer driver

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.

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

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

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.

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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.

References:

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