Buy Cheap Ford Focus Auto Insurance in 2024
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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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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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You can start comparing quotes for Ford Focus insurance from some of the top car insurance companies by using our free online tool today.
Average
Cost of Insurance
1,335.00 *
Min
825.00 *
Max
2,370.00 *
Crash Avoidence Features
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