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.

Estimated insurance rates for a Ford Focus are $1,236 a year for full coverage. Comprehensive costs an estimated $198, collision costs $424, and liability coverage costs $456. A policy with only liability insurance costs as little as $508 a year, with a high-risk policy costing around $2,700. Teenage drivers pay the most at $4,858 a year or more.

Average premium for full coverage: $1,236

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Focus models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than densely populated cities.

The example below illustrates the difference location can make on insurance prices.

These rate differences show why everyone should compare rates for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Ford Focus insurance rates for other coverage scenarios.

• The best discount rate is $714
• Drivers who choose higher $1,000 deductibles will pay approximately $142 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,236
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,512
• High-risk insureds who are prone to accidents and violations could pay up to $2,700 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost as much as $4,858 a year

View Chart as Image

Car insurance prices for a Ford Focus also have a wide range based on your driving characteristics, the trim level of your Focus, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $4,800 a year. View Rates by Age

Where you choose to live makes a big difference in Ford Focus insurance rates. A 40-year-old driver could pay as low as $820 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,760 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $420 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,500 to $2,100 extra annually, depending on your age. Ford Focus insurance for high-risk drivers can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

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 Cheap Ford Focus Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and not having any coverage lapses. Make time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a quick review of the car insurance concepts touched on in this article.

• Drivers with a DUI or reckless driving violation pay an average of $1,460 more annually for car insurance
• Drivers can save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $425 each year
• Consumers who want higher liability limits will pay an extra $500 each year to go from 30/60 bodily injury limits to 250/500 limits

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.

• Acura ILX Insurance Rates
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• Chevrolet Cruze Insurance Rates

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