Cost of Car Insurance for a Ford Focus

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Here's what you need to know...
  • The Ford Focus is a popular sedan and maintains its value very well
  • It has important safety features and performs well in crash tests
  • Car insurance is affected by many personal factors. Being a safe driver is one of the most important attributes to receiving lower insurance rates

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.

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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.

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

Woman in yellow top driving

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 because 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.

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

Car door lock

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 on 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!

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