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

Average premium for full coverage: $1,236

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and Focus trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples show why it is important to compare rates based on a specific location, instead of using price averages.

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

Detailed Rate Analysis

The chart below shows estimated Ford Focus insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $714
• Drivers who choose higher $1,000 deductibles will pay around $1,094 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,236
• Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,512
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,700 or more
• The cost that insures a teen driver may cost $4,858 a year

View Chart as Image

Insurance rates for a Ford Focus can also vary considerably based on the trim level of your Focus, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 43% to 135% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could save up to $420 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $462 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, so the 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 Find Affordable Ford Focus Insurance

Saving money on car insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and bundling your home and auto policies. Shop around every time your policy renews by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the information covered in the above illustrations.

• Drivers can save as much as $150 per year simply by quoting early and online
• Drivers age 16 to 20 pay the highest rates, costing as high as $405 per month if full coverage is included
• Increasing deductibles can save approximately $425 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,460 more each year than a safer driver
• Policyholders who require an increased level of liability coverage will pay about $500 each year to go from a minimum limit to the 250/500 level

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