How to Find Cheap Ford Focus Insurance Quotes

The cost of Ford Focus car insurance rates are $1,336 a year, or around $111 a month on average. Comprehensive, collision, and liability insurance cost around $325, $475, and $377, respectively.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

Ford Focus insurance rates don’t need to be stressful. Full coverage for a Ford Focus costs around $1,336 a year or $111 each month. Easy. Read on to learn more about insurance rates for a Ford Focus and ways to save.

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 Focuses Expensive to Insure?

The chart below details how Ford Focus insurance rates compare to other sedans like the Honda Civic, Honda Accord, and Audi S3.

Vehicle Comprehensive Collision Liability Total
Ford Focus $244 $536 $398 $1,336
Honda Civic $280 $656 $420 $1,536
Honda Accord $280 $500 $372 $1,310
Audi S3 $356 $744 $264 $1,474
Dodge Charger $376 $626 $466 $1,668
Kia Optima $322 $532 $420 $1,454
Chevrolet Cruze $308 $594 $372 $1,432
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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 will affect 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 a 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. As an example, a 30-year-old driver pays around $59 more each year for their Ford Focus car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Focus insurance rates. For example, drivers in Los Angeles may pay $1,149 a year more than drivers in Indianapolis.

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 car insurance with violations on their driving record.

Ford Focus Safety Ratings

Your Ford Focus car insurance rates are tied to the safety ratings of the Ford Focus. 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

If the Ford Focus crash test ratings are good, you could have lower Ford Focus car insurance rates. See Ford Focus crash test results below:

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

Having a variety of safety features on your Ford Focus can help lower your Ford Focus insurance costs. 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

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 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, 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 quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Focus Insurance

You have more options at your disposal to save money on your Ford Focus car insurance costs. For example, try these five tips:

  • Watch Your Insurer Closely When Your Ford Focus Needs Repairs
  • Tell Your Insurer About Different Drivers or Uses for Your Ford Focus
  • Ask About Discounts for People with Disabilities
  • Compare Apples to Apples When Comparing Ford Focus Insurance Quotes and Policies
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Ford Focus

Top Ford Focus Insurance Companies

The best auto insurance companies for Ford Focus car insurance rates will offer competitive rates, discounts, and account for the Ford Focus’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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

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

Crash Test Safety Ratings

Year Overall Frontal Crash Side Crash Rollover
2015
0
0
0
0
2014
5
4
5
5
2013
5
4
5
5
2012
4
4
5
5
2011

Crash Avoidence Features

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