Ford Focus Auto Insurance (2024)
Average auto insurance rates for a Ford Focus cost $1,336 a year, or around $111 a month. Mature drivers with good driving records may find rates as low as $785 a year.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jul 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 3, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
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 are about $183 less per year than the average vehicle with full coverage costing around $1,336 a year or $111 a month.
Teens have the highest rates at around $4,883 a year or $407 a month. We’re going to 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 Ford Focus car insurance rates are $1,336 a year or $111 a month.
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Are Ford Focuss Expensive to Insure?
The chart below details how Ford Focus insurance rates compare to other sedans like the Nissan Versa, Subaru Legacy, and Audi S3.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Focus | $244 | $536 | $398 | $1,336 |
| Nissan Versa | $268 | $542 | $390 | $1,358 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Audi S3 | $356 | $744 | $264 | $1,474 |
| Toyota Avalon | $320 | $536 | $338 | $1,330 |
| Cadillac ATS | $294 | $566 | $398 | $1,416 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
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. 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 New York may pay $815 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your Ford Focus car insurance rates. 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
Good Ford Focus safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Ford Focus are:
- 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 Ford Focus’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Focus, others are more favorable and lead to lower insurance rates.
| 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
When 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 rates 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 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Focus car insurance rates
- Move to an Area with a Lower Cost of Living
- Ask About Ford Focus Low Mileage Discounts
- Remove Young Drivers from Your Ford Focus Insurance When They Move Out or Go to School
- Be Picky About Who Drives Your Ford Focus
- Move to an Area with Better Weather
Top Ford Focus Insurance Companies
Who is the top car insurance 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 auto 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 car insurance quotes for free by using our convenient online comparison tool.
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Frequently Asked Questions
How much does auto insurance for a Ford Focus cost?
On average, auto insurance rates for a Ford Focus cost $1,336 per year or around $111 per month. Mature drivers with good driving records may find rates as low as $785 per year.
Are Ford Focus vehicles expensive to insure?
Ford Focus insurance rates are generally lower compared to the average vehicle. Full coverage for a Ford Focus costs around $1,336 per year, which is about $183 less than the average vehicle.
What factors impact the cost of Ford Focus insurance?
Several factors can affect the cost of Ford Focus insurance, including:
- The trim and model of the Ford Focus you choose
- The age of the vehicle, with older models generally costing less to insure
- The driver’s age, as younger drivers may have higher insurance rates
- The driver’s location, with rates varying based on where you live
- The driver’s driving record, as violations can increase insurance rates
Are there any safety features of the Ford Focus that can lower insurance rates?
Yes, having good safety features in your Ford Focus can lead to lower insurance rates. Some safety features for the Ford Focus include:
- Good crash test ratings, which can result in lower insurance rates
- Safety features specific to the 2020 Ford Focus, such as advanced driver assistance systems and anti-theft devices
How can I save on Ford Focus insurance?
You can try the following strategies to reduce your Ford Focus auto insurance costs:
- Take advantage of available discounts offered by insurance companies
- Maintain a clean driving record
- Consider increasing your deductibles
- Bundle your auto insurance with other policies
- Shop around and compare quotes from different insurance providers
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.