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 prices for a Ford Focus are $1,266 every 12 months for full coverage insurance. Comprehensive costs an estimated $206 each year, collision costs $450, and liability is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing around $2,768. Teen drivers pay the highest rates at $4,950 a year or more.

Average premium for full coverage: $1,266

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Focus models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $728
• Choosing higher $1,000 deductibles can save approximately $148 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,266
• Choosing low deductibles for comp and collision coverage increases the price to $1,560
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,768 or more
• The price to insure a 16-year-old driver can cost as much as $4,950 each year

View Chart as Image

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

Choosing high deductibles can save as much as $450 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $459 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 132% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Focus insurance prices. A good driver about age 40 could pay as low as $830 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,710 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.

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 Shop for the Right Ford Focus Insurance

Getting lower rates on insurance for a Ford Focus takes avoiding accidents and claims, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates at every other renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick rundown of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,500 more annually to insure a Ford Focus
• Drivers under the age of 20 have the highest car insurance prices, as much as $413 a month if the policy includes full coverage
• It is possible to save approximately $150 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $450 each year
• It is possible to save approximately $150 per year simply by quoting online in advance

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