How to Find Cheap Ford Focus Insurance Quotes

If you want to buy cheap Ford Focus insurance coverage then you should know that a policy will cost $111 per month ($1,336 per year) on average. On average, Ford Focus comprehensive insurance coverage costs $325, collision coverage costs $475, and liability coverage costs $377.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State...

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Reviewed byJoel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jul 6, 2020

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Key Takeaways:

  • Full coverage costs around $1,336 a year or $111 each month
  • A liability-only policy costs around $536 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,883 a year or $407 each month
  • Good drivers can save as much as $551 a year by earning policy discounts
  • Ford Focus insurance costs around $183 less per year than the average vehicle

Finding quality Ford Focus car insurance rates can seem like a tough task if you don’t know where to begin.

To give you a frame of reference, Ford Focus rates average out to $1,336 a year, or $111 per month, and good drivers can save as much as $551 a year in the form of policy discounts.

We have prepared this helpful article to show you how Ford Focus car insurance rates are calculated so you can compare quotes with confidence.

You can start comparing quotes for Ford Focus car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Focus Insurance Cost

The average Ford Focus car insurance rates are $1,336 a year or $111 a month.

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Are Ford Focuss Expensive to Insure?

The chart below details how Ford Focus insurance rates compare to other sedans like the Chevrolet Malibu, Nissan Versa, and Nissan Maxima.

VehicleComprehensiveCollisionLiabilityTotal
Ford Focus$244$536$398$1,336
Chevrolet Malibu$322$532$372$1,384
Nissan Versa$268$542$390$1,358
Nissan Maxima$372$630$390$1,550
Audi A3$282$566$398$1,404
Kia Forte$322$500$372$1,352
Cadillac ATS$294$566$398$1,416

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Focus Insurance?

The Ford Focus trim and model you choose can impact the total price you will pay for Ford Focus insurance coverage.

Age of the Vehicle

Older Ford Focus models generally cost less to insure. For example, auto insurance rates for a 2018 Ford Focus are $1,336, while 2010 Ford Focus rates are $1,122, a difference of $214.

Model YearComprehensiveCollisionLiabilityTotal
2018 Ford Focus$244$536$398$1,336
2017 Ford Focus$236$524$416$1,334
2016 Ford Focus$228$502$430$1,318
2015 Ford Focus$216$484$442$1,300
2014 Ford Focus$206$450$452$1,266
2013 Ford Focus$198$424$456$1,236
2012 Ford Focus$190$380$460$1,188
2011 Ford Focus$178$350$460$1,146
2010 Ford Focus$172$328$464$1,122

Driver Age

Driver age can have a significant effect on Ford Focus car insurance rates. For example, 20-year-old drivers pay $1,634 more for their Ford Focus car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Focus insurance rates. For example, drivers in New York may pay $815 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Ford Focus car insurance. Teens and drivers in their 20’s see the highest jump in their Ford Focus auto insurance rates with violations on their driving record.

Ford Focus Safety Ratings

Your Ford Focus auto insurance rates are tied to the Ford Focus’s safety ratings. See the breakdown below:

Test TypeRating
Moderate overlap frontGood
SideAcceptable
Roof strengthN/R
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Ford Focus Crash Test Ratings

Good Ford Focus crash test ratings mean the VW is safer, which could mean cheaper Ford Focus car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2018 Ford Focus RS 5 HB AWD5 stars4 stars5 stars4 stars
2018 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2018 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2018 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
2017 Ford Focus RS 5 HB AWD5 stars4 stars5 stars4 stars
2017 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2017 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2017 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
2016 Ford Focus RS 5 HB AWDN/RN/RN/RN/R
2016 Ford Focus Bev 5 HB FWDN/RN/RN/R5 stars
2016 Ford Focus 5 HB FWD5 stars5 stars5 stars4 stars
2016 Ford Focus 4 DR FWD5 stars5 stars5 stars4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Focus Safety Features

The safety features of the Ford Focus can impact your Ford Focus car insurance rates. The Ford Focus has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • Front Disc/Rear Drum Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Ford Focus Insurance Loss Probability

Review the Ford Focus car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Ford Focus auto insurance costs; higher percentages mean higher Ford Focus auto insurance costs.

Insurance Coverage CategoryLoss Rate
Collision6%
Property Damage-2%
Comprehensive-10%
Personal Injury3%
Medical Payment9%
Bodily Injury11%
Source: Insurance Institute for Highway Safety

Ford Focus Finance and Insurance Cost

If you are financing a Ford Focus, most lenders will require your carry higher Ford Focus coverage options including comprehensive coverage, so be sure to shop around and compare Ford Focus car insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Focus Insurance

There are many ways that you can save on Ford Focus car insurance. Below are five actions you can take to find cheap Ford Focus auto insurance rates.

  • Choose a Ford Focus with Cheaper Repair Costs
  • Move to the Countryside
  • Add a More Experienced Driver to Your Ford Focus Policy
  • Buy An Older Ford Focus
  • Drive Your Ford Focus Safely

Top Ford Focus Insurance Companies

Who is the top auto insurance company for Ford Focus insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Focus auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Focus offers.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
Source: Insurance Information Institute

Compare Free Ford Focus Insurance Quotes Online

Start comparing Ford Focus auto insurance quotes for free by using our FREE online comparison tool.

Looking for Ford Focus car insurance quotes? The cost of car insurance for the Ford Focus depends on a number of factors. To get free car insurance quotes enter your ZIP above!

If you just bought a Ford Focus, congratulations, you just purchased a vehicle with one of the lowest depreciation values in the automotive community.

The bad news is that because the depreciation value is so low your insurance rates won’t come down as quickly as you might like through the years.

Enter your ZIP code now to compare car insurance quotes online!

The Ford Focus is about $1,300 a year to insure.

So, if you pay $21,000 for your Ford Focus and the depreciation is only $5,000 after five years, which is the Ford Focus average, then the insurance company would still have to pay a large amount if you have an accident that totals your vehicle.

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How do safety ratings impact car insurance costs for the Ford Focus?

The good news is that the Ford Focus has a very high safety rating from the Insurance Information Institute. In fact, they give top ratings to every Ford Focus that has been made since 2008, so if you have a late model car, you should feel safe driving it.

The reason that this rating is important is that the safer your vehicle is, the more affordable your car insurance will be.

If you are thinking that $1,300 a year is not a reasonable insurance rate, you have to keep in mind that this average cost includes every year Ford Focus that is on the road, good and bad drivers alike, and all different levels of insurance coverage.

So why is the depreciation rate on the Ford Focus so low?

The Focus popularity is part of the reason that the depreciation is so low. The depreciation value is based on the ability of a car company to sell your vehicle in a used condition for a higher price; in the case of the Ford Focus, they resell very well.

This is good news for you because if you decide to buy a Ford Focus and sell it in a couple of years to buy a new vehicle, you can still do very well on the resell of your car.

The Ford Focus costs about $8,000 a year to own and operate. This includes insurance costs, your monthly payment (assuming a purchase price of $17,000), taxes, and annual maintenance.

According to AAA, the average cost to operate a small sedan is $9,519 a year excluding loan payments. The Focus costs less to operate than other vehicles in its class!

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How does the cost of insurance for the Ford Focus compare to other vehicles in its class?

The Ford Focus is considered to be a small sedan. When it comes to small sedans, the cost of insurance is typically higher because smaller cars take on more damage in an accident, especially with so many larger vehicles on the road.

However, late model Ford Focuses cost less to insure than many other small sedans. The reason for this goes right back to the safety ratings for the late model Ford Focuses.

Even though it is a smaller sedan, the Ford Focus does a good job protecting the driver and passengers in an accident.

The bottom line is, It’s difficult to say what you should expect to pay for insurance without knowing:

  • your complete driving record
  • who you are going to let drive your vehicle
  • how much coverage you are planning to purchase
  • where you live and so on

However, with all things being equal, you can expect to pay a little more for other small sedans in the same class as the Ford Focus.

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What are some of the safety features offered by the Ford Focus?

You may be wondering what in the world makes the Ford Focus so special and the truth is that it doesn’t have every safety feature that you could possibly imagine.

However, there are enough safety features that you will be safe driving a late model Ford Focus. These safety features include:

  • AdvanceTrac® ESC w/ ABS
  • Six airbags
  • Reinforced steel safety cage
  • Seat belt system
  • Tire pressure monitoring system

The AdvanceTrac® system helps keep your car on the road and your wheels on the ground by monitoring the way that you drive and the weather conditions outside.

It can adjust the torque of the engine and engage the ABS to help prevent car accidents in adverse weather conditions.

There are two airbags in the front, two in the front side, and two in the rear seat on each side (in the doors). This, combined with the reinforced steel safety cage ensures that you are safe, even in a serious accident.

The seat belt system locks when necessary, releases if needed, warns you if you aren’t wearing one, and adjusts to every height for the perfect fit for any driver.

Many accidents are caused by inadequate air pressure or too much air pressure in the tires.

The tire pressure monitoring system keeps track of your tire pressure and warns you if it is too high or too low.

There is also an anti-theft alarm system on the Ford Focus. While this doesn’t add to the safety of your vehicle, it can still affect your rates because the car insurance company will like that you have an additional protective feature in your car.

How can I save more money on the insurance for my Ford Focus?

There are many ways to save money on your car insurance; however, the discounts you can receive will vary between companies. Some of the more common discounts include:

  • Multiple policies
  • Taking driving classes
  • Having good credit
  • Being married
  • Going to college
  • Maintaining good grades
  • Clean driving record

You will have to visit the insurance company website to find out exactly what discount you qualify for from each insurance company.

The most important thing that you can do to save money is to shop around for your auto insurance. Shopping around has never been easier than it is with a free quote tool.

You can enter your ZIP code and answer a few simple questions to quickly compare rates between several insurance companies at the same time.

The great thing is that you aren’t obligated to make a purchase and no one will track you down in an effort to make a sale.

Enter your ZIP code right now to start your online car insurance quotes comparison!

Finding Cheap Ford Focus Insurance Rates Online

  • The Ford Focus gets excellent gas mileage
  • The average Ford Focus car insurance rates are $111
  • It costs less to insure than the average vehicle
  • There are numerous personal factors that will affect your insurance premiums

Looking for cheap Ford Focus insurance rate quotes? The cost of Ford Focus insurance depends on a number of factors. To get free car insurance quotes enter your ZIP above!

The Ford Focus has a low sticker price and, with fuel efficiency of up to 35 mpg, it won’t gouge you at the gas pump. Another factor in its financial favor is the fact that it costs less to insure than many cars out there.

While it is hard to give an exact answer to any questions that ask how much car insurance would cost for a Ford Focus, you can rest assured that this small, domestic vehicle has many features that will save you money every year on your car insurance.

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Make & Model’s Affect on Car Insurance Rates

Since the make and model of your car is one of the considerations that car insurance companies weigh most heavily when determining the cost of your policy, the purchase of a Ford Focus — new or used — is one very smart driving decision on the road to reasonable insurance premiums.

How Can I Save on Car Insurance for a Ford Focus?

Besides the car itself, the two most crucial elements used to establish your car insurance cost for a Ford Focus are your demographic and your location.

  • Men pay more for car insurance on average
  • Young adults pay increased premiums
  • Those in urban areas are likely to pay more as well

Unfortunately, if you are a 21-year-old, city-dwelling male, you can count on paying more for car insurance whether you drive a Ford Focus or not.

Other elements that insurance companies use to assess risk and determine premiums include:

  • Marital status
  • History of accidents
  • History of driving violations
  • Driver occupation
  • Driver credit rating

A solid credit rating also has the effect of showing insurers you are less likely to take risks on the road. People who make payments responsibly are statistically more likely to drive responsibly. There’s even an industry name for the equation; it’s called the “financial responsibility score.”

The exact value a company applies to any of these components will vary, so it is up to you to find the insurance company with the mathematical formula that equals the most savings for you.

Comparing car insurance quotes online will give you a quick and comprehensive view of what’s out there and what will save you the most money.

Getting the Most for Your Money When Insuring a Ford Focus

Price is an important and guiding consideration when it comes to car insurance, but it isn’t everything. If you chose a policy based on price alone, you could find yourself woefully under-protected in the event of an accident.

It is wise to consider all the factors, from the rating of the insurance company to the specific details of what’s covered and what’s not. You should also think carefully about deductibles and the extent of coverage. A higher deductible means lower premiums.

Dropping certain forms of coverage (for example, comprehensive or collision) may be an option if you are the outright owner of an older Ford Focus that is not worth, or is just barely worth, insuring.

Some financial planners recommend that you drop collision and comprehensive insurance if your yearly insurance payment is less than 10% of the amount you’d receive if your car is totaled or stolen.

In this equation, a car worth $3,000 for which you must pay a $500 deductible leaves you with $2500 to put toward a replacement car.

If your annual premium for comprehensive and collision insurance is $250, then putting that amount of money in an interest-bearing account instead of sending it to your car insurance company might be the more fiscally responsible thing to do.

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How can I get cheap car insurance for a Ford Focus?

By comparing car insurance quotes online, you will have quick and easy access to quotes that take your unique situation into account. And don’t forget to identify all of the Ford Focus features, as well as your own personal circumstances, that may make you eligible for discounts.

  • Does your Focus have anti-theft devices or anti-lock brakes?
  • Does it have window etching?
  • Are you insuring more than one vehicle?
  • Will you be paying via Electronic Funds Transfer (EFT), which allows you to direct payments right from your bank account to your car insurance company?

If the answer to any of these questions is “yes,” then you are likely to see some discounts coming your way. To find out for sure, type your zip code into the box in the upper right-hand corner and you will be on your way to finding the cheapest car insurance.

Compare free Ford Focus auto insurance quotes online today!

References:

  1. http://www.ford.com/cars/focus/
  2. http://www.iii.org/
  3. http://aaa.com
  4. http://guides.wsj.com/personal-finance/insurance/how-much-car-insurance-do-you-need/
  5. http://www.ncbi.nlm.nih.gov/pubmed/16484031
  6. https://owner.ford.com/how-tos/vehicle-features/safety/advancetrac-electronic-stability-control.html

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