Best Ford Focus Car Insurance Quotes (2023)
The cost of Ford Focus auto insurance rates are $1,336 a year, or around $111 a month on average. Good drivers can save as much as $2,061 a year over higher risk drivers.
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Written by
D. Gilson, PhD |
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Reviewed by
Leslie Kasperowicz
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UPDATED: Nov 30, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 30, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
The Highlights:
- 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
Ford Focus insurance rates are about $183 less annually than the average vehicle with full coverage costing around $1,336 a year or $111 a month. Good drivers save up to $551 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Ford Focus insurance rates, crash test ratings, and more.
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 auto insurance rates for a Ford Focus cost $1,336 a year or $111 a month.
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Are Ford Focus’s Expensive to Insure?
The chart below details how Ford Focus insurance rates compare to other sedans like the Chevrolet Sonic, Toyota Avalon, and Chevrolet Malibu.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Focus | $244 | $536 | $398 | $1,336 |
| Chevrolet Sonic | $270 | $536 | $398 | $1,362 |
| Toyota Avalon | $320 | $536 | $338 | $1,330 |
| Chevrolet Malibu | $322 | $532 | $372 | $1,384 |
| Hyundai Elantra | $280 | $562 | $372 | $1,372 |
| Mazda 3 | $308 | $562 | $372 | $1,400 |
| Toyota Camry | $294 | $570 | $390 | $1,412 |
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 for a 2018 Ford Focus costs $1,336, while 2010 Ford Focus insurance costs are $1,122, a difference of $214.
| Model Year | Comprehensive | Collision | Liability | Total |
| 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, 30-year-old drivers pay $59 more for Ford Focus car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Ford Focus insurance rates. For example, drivers in Los Angeles may pay $735 a year more than drivers in Phoenix.
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 influenced by the Ford Focus’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Ford Focus Crash Test Ratings
Poor Ford Focus crash test ratings could mean higher Ford Focus car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2018 Ford Focus RS 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2018 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Focus RS 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2017 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Focus RS 5 HB AWD | N/R | N/R | N/R | N/R |
| 2016 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2016 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Focus Safety Features
The more safety features you have on your Ford Focus, the more likely it is that you can earn a discount. The Ford Focus’s safety features include:
- 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
The lower percentage means lower Ford Focus car insurance rates; higher percentages mean higher Ford Focus auto insurance rates. Insurance loss probability on the Ford Focus fluctuates between each type of coverage.
| Insurance Coverage Category | Loss Rate |
| Collision | 6% |
|---|---|
| Property Damage | -2% |
| Comprehensive | -10% |
| Personal Injury | 3% |
| Medical Payment | 9% |
| Bodily Injury | 11% |
| Source: Insurance Institute for Highway Safety | |
Ford Focus Finance and Insurance Cost
If you are financing a Ford Focus, you will pay more if you purchase Ford Focus car insurance at the dealership, so be sure to shop around and compare Ford Focus car insurance quotes 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 to get the best value possible. Below are five scenarios you can explore to help keep your Ford Focus car insurance rates low.
- Choose Automatic Payments or EFT for Your Ford Focus Insurance Policy
- Understand that Insurance Companies Can’t Change Your Ford Focus Auto Insurance Rate Mid-Term Based on Changes to Your Credit Score
- Ask About Ford Focus Discounts If You Were Listed on Someone Else’s Policy
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Get Ford Focus Auto Insurance Through Costco
Top Ford Focus Insurance Companies
Who is the best 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 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Focus offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| 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.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
|
Written by
D. Gilson, PhD |
|
Reviewed by
Leslie Kasperowicz
|