Ford Focus Insurance [Rates + Coverage Guide]

The average Ford Focus auto insurance rates are $111 a month, but Ford Focus insurance for an 18-year-old could be more expensive. Find free Ford Focus insurance quotes for teen drivers with our comparison tool. Enter your ZIP code below to see how much you can save on your Ford Focus insurance coverage.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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 insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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 on average $1,336 a year or $111 a month. The highest rates are for teens who will pay around $4,883 a year or $407 a month.

Good drivers save up to $551 a year in policy discounts by practicing safe driving habits. Let’s 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 auto insurance costs 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 Honda Accord, Volkswagen Passat, and Kia Forte.

Vehicle Comprehensive Collision Liability Total
Ford Focus $244 $536 $398 $1,336
Honda Accord $280 $500 $372 $1,310
Volkswagen Passat $332 $600 $390 $1,480
Kia Forte $322 $500 $372 $1,352
Audi A3 $282 $566 $398 $1,404
Subaru Impreza $320 $542 $390 $1,410
Audi S3 $356 $744 $264 $1,474
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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

The average Ford Focus car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Ford Focus are $1,336, while 2010 Ford Focus rates 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 impact on Ford Focus auto insurance rates. For instance, a 30-year-old driver may pay $59 more each year for Ford Focus auto 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 the cost of Ford Focus car insurance. Teens and drivers in their 20’s see the highest jump in their Ford Focus car insurance rates with violations on their driving record.

Ford Focus Safety Ratings

The Ford Focus’s safety ratings will affect your Ford Focus car insurance rates. See the chart 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

Not only do good Ford Focus crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Ford Focus auto insurance rates.

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

The numerous safety features of the Ford Focus help contribute to lower insurance rates. The 2020 Ford Focus has the following safety features:

  • 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 lower percentage means lower Ford Focus car insurance costs; higher percentages mean higher Ford Focus car insurance costs. Compare the following Ford Focus auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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 auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Focus Insurance

There are many ways that you can save on Ford Focus car insurance. Below are five actions you can take to find cheap Ford Focus auto insurance rates.

  • Re-Check Ford Focus Quotes Every 6 Months
  • Spy on Your Teen Driver
  • Use an Accurate Job Title When Requesting Ford Focus Auto Insurance
  • Install an Aftermarket Anti-Theft Device for Your Ford Focus
  • Pay Your Ford Focus Insurance Upfront

Top Ford Focus Insurance Companies

Who is the top auto 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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Save on your Ford Focus car insurance rates by taking advantage of our FREE comparison tool.

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