Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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UPDATED: Oct 19, 2020

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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.

Table of Contents

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
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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
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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
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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
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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
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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
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Compare Free Ford Focus Insurance Quotes Online

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