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.

Average insurance prices for a Ford Focus are $1,236 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $198, collision costs $424, and liability costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $2,700 or more. 16-year-old drivers receive the highest rates at $4,858 a year or more.

Average premium for full coverage: $1,236

Rate estimates broken down by individual coverage type:

Rates are based on $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Focus models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why everyone should compare rates for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $714
• Drivers who choose higher $1,000 deductibles will pay approximately $142 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,236
• Buying pricier low deductibles for comprehensive and collision insurance costs an extra $276 annually
• Drivers with multiple tickets or accidents could pay up to $2,700 or more
• The cost to insure a 16-year-old driver for full coverage can cost as much as $4,858 a year

View Chart as Image

Auto insurance rates for a Ford Focus can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

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

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,100 in extra premium per year, depending on your age. Ford Focus insurance for high-risk drivers can cost from 43% to 135% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Ford Focus insurance prices. A 40-year-old driver could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,670 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and quoted rates can be significantly 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 Best Cheap Ford Focus Insurance

Saving money on insurance for a Ford Focus not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the ideas that were covered above.

• Teens are the costliest to insure, costing up to $405 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,460 more annually for Focus insurance
• Increasing deductibles could save as much as $425 each year
• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date

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