Ford Focus Insurance Cost Estimate [Comprehensive Guide]

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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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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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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 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
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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. 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
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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

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
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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
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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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