8:00 - 17:00
Opening Hour: Mon - Fri
Key takeaways:
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.
Table of Contents
The average Ford Focus car insurance rates are $1,336 a year or $111 a month.
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.
The Ford Focus trim and model you choose can impact the total price you will pay for Ford Focus insurance coverage.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
Good Ford Focus safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Ford Focus are:
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 | |
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.
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
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 | |||
Start comparing Ford Focus car insurance quotes for free by using our convenient online comparison tool.
Vehicles