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Key Takeaways
- A Ford Focus car insurance will cost $1668 per year or $139 per month..
- The electric hatchback and the Sedan S trim levels are the cheapest to insure, costing $1,382 and $1,390 annually.
- Allied has the most affordable Ford Focus insurance rates on average across all states, with a yearly price of $1,032.
Introduced in 1998 as a replacement for Ford Escort, Ford Focus models are available in sedan, hatchback, and estate body styles. In comparison, the cost of older models ranges from $18,000 to $25,000, while the 2022 prices range from $30,990 for the basic trim level Hatchback Focus Active to $51,990 for the Hatchback Focus ST X.
How does the affordability of the Focus models affect the insurance rates? Here, we look at the different things that affect how much car insurance costs for a Ford Focus, the cheapest insurance company for the model, and if there are any discounts available on insurance for Ford Focus.
The average cost of insurance for Ford Focus is $1,668 per year. This amounts to $139 per month. The amount is similar to the national average car insurance.
Ford Focus Auto Insurance Cost
The average cost of insurance for Ford Focus is $1668 per year. This amounts to $139 per month. The amount is similar to the national average car insurance.
Is Ford Focus expensive to insure?
While comparing the insurance costs of similar cars, we observe that the Ford Focus insurance rate is higher than that of models like the Ford Fiesta, Mazda 3, Subaru Impreza, and Toyota Prius, to name a few. On the other hand, however, it is cheaper to insure when compared to the insurance rates of models like the Hyundai Elantra, Kia Forte, and Volkswagen Jetta.
| Make/Model | Insurance Cost |
|---|---|
| Chrysler Fiat 500 | $1,181 |
| Ford Fiesta | $1,216 |
| Fiat 124 Spider | $1,263 |
| Mazda 3 | $1,264 |
| Smart Fortwo | $1,276 |
| Volkswagen Golf | $1,304 |
| Subaru Impreza | $1,312 |
| Honda Fit | $1,312 |
| Chevrolet Spark | $1,312 |
| Toyota Yaris | $1,318 |
| Hyundai Accent | $1,330 |
| Nissan Sentra | $1,443 |
| Nissan Versa | $1,445 |
| Honda Civic | $1,455 |
| Toyota Prius | $1,504 |
| Volkswagen Beetle | $1,518 |
| Toyota Corolla | $1,530 |
| Hyundai Ioniq | $1,530 |
| Nissan Leaf | $1,540 |
| Chevrolet Sonic | $1,546 |
| Volkswagen GTI | $1,567 |
| Chevrolet Cruze | $1,574 |
| Chevrolet Volt | $1,607 |
| Volkswagen E-Golf | $1,619 |
| Honda Clarity | $1,641 |
| Kia Rio | $1,643 |
| Ford Focus | $1,668 |
| Hyundai Elantra | $1,681 |
| Kia Forte | $1,689 |
| Volkswagen Jetta | $1,693 |
| Toyota 86 | $1,803 |
What Impacts the Cost of Ford Focus Car Insurance?
When calculating monthly insurance premiums, insurance firms evaluate a variety of driving- and non-driving-related factors. Consequently, it differs from person to person and is based on the car's model and manufacturer. This section will evaluate the key factors that influence the overall Ford Focus insurance premium.
Though Ford insurance is affordable, the premiums can vary based on several factors:
- Age of the car
- Location of the driver
- Trim level of the car
- Driving Record
- Insurance company
Age of the Car
The year of the model is crucial in determining the insurance rates. For example, in the case of Ford Focus, we observe that a 2020 model will cost $1,671 on average to insure, while it is around $1,017 for a 2011 Ford Focus.
Ford Focus Insurance Cost by Model Year
| Model Year | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| 2020 Ford Focus | $139.25 | $1,671 |
| 2018 Ford Focus | $107.67 | $1,292 |
| 2017 Ford Focus | $98.42 | $1,181 |
| 2016 Ford Focus | $96.17 | $1,154 |
| 2015 Ford Focus | $96.75 | $1,161 |
| 2014 Ford Focus | $91.25 | $1,095 |
| 2013 Ford Focus | $86.42 | $1,037 |
| 2012 Ford Focus | $80.83 | $970 |
| 2011 Ford Focus | $84.75 | $1,017 |
Location of the Driver
In addition to the car's value, the driver's location plays an important role in determining insurance rates. Insurance companies base premium pricing on a location's accident and theft statistics.
| City | Average Annual Rate |
|---|---|
| Los Angeles, CA | $2536 |
| New York, NY | $2288 |
| Houston, TX | $1626 |
| Jacksonville, FL | $2170 |
| Philadelphia, PA | $2546 |
| Chicago, IL | $1663 |
| Phoenix, AZ | $1756 |
| Dallas, TX | $1634 |
| Indianapolis, IN | $1042 |
| Columbus, OH | $1154 |
Driving Record
Your driving record also determines your auto insurance rates. For example, when we compare Ford Focus insurance quotes based on age and traffic convictions, we notice that younger drivers with reckless driving tickets pay more than older drivers with the same record. So regardless of the age or model of your Focus, a driving record that includes traffic offenses may raise your auto insurance prices.
Insurance Company
According to Way.Com’s research, Allied offers the cheapest insurance rates for Ford Focus, with an annual premium rate of $1032. However, it is best to compare the features and coverages provided before committing.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Allied | $86 | $1,032 |
| Nationwide | $87 | $1,044 |
| Vermont Mutual | $110 | $1,320 |
| Tennessee Farmers | $115 | $1,380 |
| American Family | $116 | $1,392 |
| Erie | $117 | $1,404 |
Trim Level
Since the features play an important role in the insurance, you pay. Depending on whether it is a hatchback or sedan, there is a difference of at least $500 among the different trim levels.
| Ford Focus Trim Level (2018) | Annual Rate | Monthly Rate |
|---|---|---|
| Electric Hatchback | $1,382 | $115 |
| S Sedan | $1,390 | $116 |
| SE Sedan | $1,460 | $122 |
| SE Hatchback | $1,500 | $125 |
| SEL Hatchback | $1,500 | $125 |
| SEL Sedan | $1,500 | $125 |
| ST Hatchback | $1,582 | $132 |
| Titanium Hatchback | $1,582 | $132 |
| Titanium Sedan | $1,582 | $132 |
| RS Hatchback | $1,802 | $150 |
Cheapest Insurance Companies Based on Ford Focus Model Years
2020 Ford Focus
The average annual premium cost to insure a 2020 Ford Focus is $1,671. However, Allied offers the cheapest rates at an annual premium of $1,035.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Allied | $86.25 | $1,035 |
| Nationwide | $87.25 | $1,047 |
| Vermont Mutual | $110.67 | $1,328 |
| Tennessee Farmers | $115.75 | $1,389 |
| American Family | $115.75 | $1,389 |
| Erie | $116.5 | $1,398 |
| USAA | $120.92 | $1,451 |
| Plymouth Rock Insurance | $125.25 | $1,503 |
| 21st Century | $129.33 | $1,552 |
| State Farm | $131.67 | $1,580 |
| Mercury | $133.08 | $1,597 |
2018 Ford Focus
The average annual premium cost to insure a 2018 Ford Focus is $1,292. However, Erie offers the cheapest rates at an annual premium of $876.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $73 | $876 |
| Progressive | $80.08 | $961 |
| USAA | $80.42 | $965 |
| State Farm | $92.17 | $1,106 |
| Plymouth Rock Insurance | $92.58 | $1,111 |
| Nationwide | $106.58 | $1,279 |
| Tennessee Farmers | $107.25 | $1,287 |
| Allied | $109.25 | $1,311 |
| Vermont Mutual | $111.5 | $1,338 |
| Acuity | $113.92 | $1,367 |
| American Family | $116.58 | $1,399 |
2017 Ford Focus
The average annual premium cost to insure a 2017 Ford Focus is $1,181. However, Erie offers the cheapest rates at an annual premium of $831.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $69.25 | $831 |
| USAA | $73.75 | $885 |
| Texas Farm Bureau | $77.83 | $934 |
| Progressive | $83 | $996 |
| State Farm | $88.58 | $1,063 |
| Plymouth Rock Insurance | $90.17 | $1,082 |
| Quincy Mutual | $96.92 | $1,163 |
| Tennessee Farmers | $98.17 | $1,178 |
| Vermont Mutual | $98.42 | $1,181 |
| Nationwide | $105.83 | $1,270 |
| Acuity | $106.17 | $1,274 |
2016 Ford Focus
The average annual premium cost to insure a 2016 Ford Focus is $1,154. However, Texas Farm Bureau offers the cheapest rates at an annual premium of $916.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau | $76.33 | $916 |
| Nationwide | $84.5 | $1,014 |
| Allied | $91.92 | $1,103 |
| Vermont Mutual | $93.58 | $1,123 |
| Quincy Mutual | $94.25 | $1,131 |
| Erie | $97 | $1,164 |
| American Family | $107.33 | $1,288 |
| USAA | $107.67 | $1,292 |
| Plymouth Rock Insurance | $109.08 | $1,309 |
| Country | $118.5 | $1,422 |
| 21st Century | $118.83 | $1,426 |
2015 Ford Focus
The average annual premium cost to insure a 2015 Ford Focus is $1,161. However, Erie offers the cheapest rates at an annual premium of $773.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $64.42 | $773 |
| USAA | $72 | $864 |
| Progressive | $76.25 | $915 |
| State Farm | $83.25 | $999 |
| Plymouth Rock Insurance | $84.92 | $1,019 |
| Vermont Mutual | $88.08 | $1,057 |
| Tennessee Farmers | $90 | $1,080 |
| Acuity | $97.67 | $1,172 |
| American Family | $100.25 | $1,203 |
| Country | $103.5 | $1,242 |
| Nationwide | $108.67 | $1,304 |
2014 Ford Focus
The average annual premium cost to insure a 2014 Ford Focus is $1,095. However, Texas Farm Bureau offers the cheapest rates at an annual premium of $807.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau | $67.25 | $807 |
| Erie | $68.58 | $823 |
| USAA | $75.00 | $900 |
| Vermont Mutual | $80.25 | $963 |
| Plymouth Rock Insurance | $83.33 | $1,000 |
| Tennessee Farmers | $85.17 | $1,022 |
| Progressive | $85.25 | $1,023 |
| Quincy Mutual | $89.92 | $1,079 |
| Acuity | $91.33 | $1,096 |
| State Farm | $95.33 | $1,144 |
| Country | $99.17 | $1,190 |
2013 Ford Focus
The average annual premium cost to insure a 2013 Ford Focus is $1,037. However, Erie offers the cheapest rates at an annual premium of $747.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $62.25 | $747 |
| Texas Farm Bureau | $63.58 | $763 |
| USAA | $68.67 | $824 |
| Progressive | $74.92 | $899 |
| Plymouth Rock Insurance | $80.92 | $971 |
| Vermont Mutual | $82.33 | $988 |
| State Farm | $84.25 | $1,011 |
| Quincy Mutual | $87.58 | $1,051 |
| Tennessee Farmers | $88.25 | $1,059 |
| Acuity | $93.83 | $1,126 |
| American Family | $97.75 | $1,173 |
2012 Ford Focus
The average annual premium cost to insure a 2012 Ford Focus is $970. However, Erie offers the cheapest rates at an annual premium at just $683.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Erie | $56.92 | $683 |
| Texas Farm Bureau | $61.92 | $743 |
| USAA | $64.92 | $779 |
| Progressive | $71.42 | $857 |
| Vermont Mutual | $72.08 | $865 |
| State Farm | $76.25 | $915 |
| Plymouth Rock Insurance | $78.42 | $941 |
| Tennessee Farmers | $81.25 | $975 |
| Acuity | $84.83 | $1,018 |
| Quincy Mutual | $85.58 | $1,027 |
| American Family | $90.67 | $1,088 |
2011 Ford Focus
The average annual premium cost to insure a 2011 Ford Focus is $1,017. However, Texas Farm Bureau offers the cheapest rates at an annual premium of $727.
| Company | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Texas Farm Bureau | $60.58 | $727 |
| Erie | $63.58 | $763 |
| Vermont Mutual | $64.58 | $775 |
| USAA | $67.58 | $811 |
| Tennessee Farmers | $75.75 | $909 |
| Plymouth Rock Insurance | $78.42 | $941 |
| Allied | $83.17 | $998 |
| Arbella | $83.33 | $1,000 |
| Quincy Mutual | $83.75 | $1,005 |
| American Family | $88.58 | $1,063 |
| Progressive | $88.67 | $1,064 |
Ford Focus Safety Features and Safety Ratings
You can reduce auto insurance by ensuring your Focus is well-equipped with safety features. Some of the installed features include:
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- 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
Ford Focus Crash Test Ratings
Since the insurance rates are linked to the crash test ratings, it is crucial to understand the crash test ratings provided by the National Highway Traffic Safety Administration.
| 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 |
Ford Focus Safety Ratings
This safety rating by the Insurance Institute of Highway Safety can determine your Ford Focus insurance rates.
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Head restraints and seats | Good |
| Roof strength | Good |
| Side strength | Good |
| Moderate overlap front | Good |
| Small overlap front: passenger side | Not Tested |
| Small overlap front: driver-side | Acceptable |
Ford Focus Insurance Loss Probability
According to the Insurance Institute for Highway Safety data, the loss ratio of Ford Focus differs according to coverage types.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 6% |
| Property Damage | -2% |
| Comprehensive | -10% |
| Personal Injury | 3% |
| Medical Payment | 9% |
| Bodily Injury | 11% |
Ways to Save on Ford Focus Car Insurance
Several hacks can be used to save on your Ford Focus insurance. First, shopping around for insurance quotes with different providers can give you a head start on getting the affordable option for you.
- Compare and Purchase: Thorough online research can help you choose the best insurance provider that suits your needs.
- Look for Discounts: Always look for discounts when you are purchasing insurance. Most providers give multipolicy, telematics, good driver, and bundling discounts.
- Make Use of Student Discounts: If you are a young driver, you can always use good student discounts and bundle your policies to reduce the premiums.
- Increase your Deductible: Even though a greater deductible can minimize your accident claims, it can also cut your auto insurance prices.
- Improve your Credit Score: If you want to get a good deal on your Ford Focus insurance, you should work on improving and maintaining your credit score. In places where credit scores are used to compute insurance rates, we found that having a low credit score will cost you at least $240 extra.
Bottom Line
To keep your car insurance rates as low as possible, keeping a clean driving record is important. Even if you have a compact car like a Ford Focus, which is affordable to insure, you can shop around to ensure you get the right discounts and pay less for insurance.
How to Get Ford Focus Car Insurance with Way.com
Before settling on an insurance company, it is advisable to do extensive research. This is possible by collecting quotes online and analyzing them. This will help you in arriving at better coverage at a reduced cost.
Way.com gives you a head start by analyzing the best car insurance companies nationally based on criteria that will influence your insurance coverage experience, financial strength, customer service, protection, and price. On our platform, you can quickly and easily compare offers from more than 200 insurance companies to find the best deal for your Ford Focus.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
Frequently Asked Questions
Is Ford Focus a good car?
The low horsepower and the less frequency of it getting into accidents make Ford Focus an assured buy. In addition, the rates are also lower than other similar models.
Why is Ford Focus so expensive to insure?
While comparing the insurance costs of similar cars, we observe that the Ford Focus insurance rate is higher than that of models like the Ford Fiesta, Mazda 3, Subaru Impreza, and Toyota Prius.
How much is insurance for a Ford Focus?
A Ford Fiesta car insurance will cost $1582 per year or $127 per month.
Is Ford Focus cheap to insure?
Yes, Ford Focus is relatively cheap to insure. The average insurance rate is lower than the national average.
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