Ford Focus Car Insurance: How Much Should You Expect to Pay?

Looking at average rates, Ford Focus drivers generally pay about $165 monthly for auto insurance. Take a look at our comprehensive guide to learn about how much car insurance companies might charge you to insure your Ford Focus.

Quick Facts

  • A Ford Focus is less expensive to insure compared to the average car.

  • Liability only insurance rates for a Focus average around $83 a month, while full coverage usually averages about $171 per month.

  • The cheapest car insurance company for a Focus is United Absolute.

Focus Overview

With a base price of just $17,950 for 2018 models, the Ford Focus is a great budget-friendly car for drivers of all types. Not only is it on the affordable end of the spectrum when it comes to overall price point, it's also a wise choice for your budget when thinking about your future auto insurance premiums.

After analyzing thousands of car insurance quotes through Compare.com, we've found that Ford Focus auto insurance costs are around $165 a month, on average. But how does that stack up to other similar vehicles out there on the market?

Current Base Price$17,950
Body Style(s)Car
Trim LevelsRS, ST, SE, BEV, TITANIUM, S, SEL
Average Insurance Premium$165/mo.
Cheapest Insurance CompanyUnited Absolute

How Much is Car Insurance for a Ford Focus?

Vehicle Liability Only Full Coverage
Ford Focus$83$171
All Ford Models$78$162
All Cars$83$177
Average Insurance Premium$81$169

Based on the table above, Ford Focus insurance prices are right about average compared to other vehicles on the road. On average, Focus owners will pay around $83 monthly for liability insurance, and about $171 per month for full coverage, which has comprehensive and collision coverages in addition to liability (discover more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When you compare it to other Ford models, the Focus is slightly more expensive, with costs more than 5% higher than the rest of the company's vehicle lineup. However, compared to other vehicles of a similar body style, Focus coverage is less expensive than average, with full coverage insurance prices coming in at $6 cheaper than other cars and liability insurance premiums averaging exactly the same rates.

Compared to all vehicles, regardless of make, model, or body style, the Focus is slightly more expensive than average for full coverage only, but liability only rates run around the same.

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Who has the Cheapest Car Insurance for a Ford Focus?

Insurance Company Average Monthly Premium
Ohio Mutual$35
Safeway$37
Horace Mann$38
Aspire$39
Hugo$49

If you're looking for a car insurance policy for a Ford Focus, you probably want to know which carrier offers the cheapest premiums. Even though premiums can shift considerably from driver to driver, Ohio Mutual has the most affordable average rates for liability only coverage, with rates sometimes as low as $35 monthly. The next lowest company is Safeway, who offers insurance sometimes as little as $37 a month.

Finishing off the rest of the top 5 are Horace Mann, Aspire, and Hugo. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, car insurance carriers look at many different variables when calculating premiums, so your results might be different. By checking quotes from multiple insurance companies at once, you can guarantee you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for a Ford Focus?

As we mentioned above, there are an array of things that auto insurance carriers use to calculate how much they charge you for a policy -- and each carrier weighs certain attributes more than others, so there's not just one company that's the lowest for every driver.

Below are just a few of the factors car insurance companies look at and how each one affects your final rate:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$75
2-3 Years$84
4-5 Years$86
6-7 Years$87
8-10 Years$83
11-14 Years$83
15 Years or Older$80

Ford has been making the Focus for quite some time -- and that means the car's age may make a big difference in how much you'll pay for auto insurance. Normally, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go down.

Based on the information in the table above, the Ford Focus does not follow this trend, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Focuses are 6 to 7 years old.

Your Age

Age Average Monthly Premium
Under 18$170
18-24$117
25-34$77
35-44$71
45-54$58
55-64$58
65 or Older$60

Age is another factor that plays a role in how much you pay for insurance. As you can see above, younger Focus drivers have much higher prices compared to those with more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group for Focus drivers being 55-64.

Your Gender

Gender Average Monthly Premium
Male$86
Female$81

Did you know men normally pay more for auto insurance than women? This is because men are more likely to get tickets and get into accidents, which raises the chances of an insurance claim. The Ford Focus follows this convention, and women pay about 6% less than men per month for car insurance.

Where You Live

State Average Monthly Premium
California$58
Florida$125
Georgia$111
Illinois$54
New York$191
North Carolina$54
Ohio$63
Pennsylvania$64
Texas$70
Virginia$65

It may be obvious that things such as what vehicle you drive and how old you are play a role in your insurance rates, but you may not realize that where you live has just as much of an impact. Insurance is regulated at the state level, so costs vary quite a bit from state to state.

For example, the average Ford Focus driver in New York pays around $191 monthly for liability coverage, while the same owner in California will pay less than a third of that price, on average. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Ford Focus Car Insurance Discounts

Regardless of how old you are, what car you drive, or what state you live in, using as many discounts as possible when it comes to your car insurance policy is always a smart move.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

  • Pay-in-full discounts for agreeing to pay your entire policy cost up front, rather than in monthly installments
  • Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
  • Multi-car discounts for having several vehicles on your auto policy
  • Defensive driving discounts for drivers who take a defensive driving class through a certified school or institution

There are lots of other discounts out there for saving money on your insurance. Sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you don't have control over every variable car insurance companies take into account to calculate costs (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage in order to save on insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$103
Multiple Accidents$129
1 Ticket$93
Multiple Tickets$114

It's no secret that auto insurance carriers offer the most affordable prices to drivers with a history of responsible driving. It shouldn't come as a surprise that if you get into an accident or get tickets for speeding, insurance rates will increase. But you're probably wondering exactly how much these infractions will cost you.

If you look at the table above, you'll see that accidents will usually cost Focus drivers more than tickets, but both will result in above average rates. Ford Focus drivers with a single accident on their record pay an average of $103 a month (up $20 from the $83/mo. overall average), while drivers with one ticket will pay about $93 per month. Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$76
2,501-5,000 Miles$78
5,001-7,500 Miles$74
7,501-10,000 Miles$86
10,000+ Miles$85

Another factor you have control over is the total amount of miles you drive each year. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll typically end up paying less for auto insurance. In the above table, you can see that Ford Focus owners who drive fewer than 2,500 miles each year pay an average of $76 a month for car insurance, while those who put 10,000 miles or more on their cars pay $85.

If you happen to be one of those drivers who put very few miles on your Ford Focus each year, it may be worth learning about usage-based or pay-per-mile auto insurance. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Ford Focuses Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Ford Focus is on your shortlist, it might be helpful to do your due diligence. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth thinking about carefully.

Check out the table below to see how the Ford Focus stacks up:

Ford Focus National Average
Liability Insurance$90$81
Full Coverage Insurance$193$169
Base MSRP$17,950$43,915
Average Annual Mileage11,82311,681

Overall, the Ford Focus is a great value for any budget, with an MSRP that's less than half of the going rate for a new vehicle. The Focus has an MSRP of $17,950, which is quite a bit lower than the national average vehicle MSRP of $43,915.

But while the purchase price is on the lower end of the spectrum, insurance premiums are higher when compared to the rest of the vehicle market. Liability insurance for a Ford Focus is about $9 per month more expensive than average, while full coverage is over $20 more a month.

When it comes to usage, Ford Focus drivers are slightly higher than the national average in annual miles driven, with 11,681 miles every year for all vehicles compared to the Focus's 11,823 per year.

Ford Focus Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much you might pay for car insurance. But if you're considering purchasing a new Focus, knowing how much your vehicle will likely cost can be extremely valuable as you weigh your choices.

That's why we've broken down Ford Focus insurance costs by model year. Choose a specific Focus model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, such as base price, cheapest insurance company, and even available trims for each Focus model year.

2018 Ford Focus Car Insurance

   
Liability Only Avg. Premium$90
Full Coverage Avg. Premium$193
Base MSRP$17,950
Cheapest Insurance CompanyMetroMile - $23/mo.
Available TrimsBEV, RS, S, SE, SEL, ST, TITANIUM

On average, drivers who own a 2018 Ford Focus can expect to pay $90 to $193 monthly for liability only and full coverage auto insurance, respectively.

MetroMile offered the lowest policy we found, with rates as low as $23 per month.

These are the overall average prices for car insurance for a 2018 Ford Focus, but there are a bunch of different factors that go into calculating your policy rates, which can change your monthly bill quite a bit. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2017 Ford Focus Car Insurance

   
Liability Only Avg. Premium$93
Full Coverage Avg. Premium$187
Base MSRP$16,775
Cheapest Insurance CompanyDairyland - $20/mo.
Available TrimsBEV, RS, S, SE, SEL, ST, TITANIUM

The average cost to insure a 2017 Focus with liability only coverage is $93 monthly, while full coverage runs around $187 a month.

With rates sometimes as cheap as $20 per month, Dairyland offered the cheapest policy we found for the 2017 Ford Focus.

Want to find the best rates? Get lots of free customized quotes by just entering your ZIP code below.

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2016 Ford Focus Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$190
Base MSRP$17,225
Cheapest Insurance CompanySun Coast - $20/mo.
Available TrimsBEV, RS, S, SE, ST, TITANIUM

You can expect full coverage for a 2016 Ford Focus to run about $190 a month, while liability only coverage will average around $89 monthly.

Looking for the most affordable policy? Sun Coast offered liability only coverage for as little as $20 a month.

If you're looking for a more exact figure on what you should pay for car insurance for a 2016 Ford Focus, you can get free quotes in minutes by just entering your ZIP code below.

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2015 Ford Focus Car Insurance

   
Liability Only Avg. Premium$95
Full Coverage Avg. Premium$184
Base MSRP$17,170
Cheapest Insurance CompanyShelter Mutual - $16/mo.
Available TrimsBEV, S, SE, ST, TITANIUM

2015 Focus drivers can expect to pay an average of $95 per month for liability or $184 for full coverage.

With premiums as cheap as $16 monthly, Shelter Mutual offered the cheapest policy we found.

Interested in what your insurance rate will be? Just enter your ZIP code below to get several personalized quotes for free.

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2014 Ford Focus Car Insurance

   
Liability Only Avg. Premium$83
Full Coverage Avg. Premium$171
Base MSRP$16,810
Cheapest Insurance CompanyOhio Mutual - $17/mo.
Available TrimsBEV, S, SE, ST, TITANIUM

It costs about $83 per month for liability or $171 for a full coverage policy for the 2014 Ford Focus.

If you're looking for the cheapest possible 2014 Ford Focus insurance policy, Ohio Mutual offered the lowest policy we found, with rates as little as just $17 a month.

If you want to know exactly how much you can expect to pay for your Focus, just enter your ZIP code below and get free quotes in minutes.

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2013 Ford Focus Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$169
Base MSRP$16,200
Cheapest Insurance CompanyMercury - $19/mo.
Available TrimsBEV, S, SE, ST, TITANIUM

The average cost to insure a 2013 Focus with liability only coverage is $88 monthly, while full coverage runs around $169 per month.

Mercury has prices as cheap as just $19 monthly for the 2013 Ford Focus.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2012 Ford Focus Car Insurance

   
Liability Only Avg. Premium$85
Full Coverage Avg. Premium$168
Base MSRP$16,500
Cheapest Insurance CompanyACG - $17/mo.
Available TrimsBEV, S, SE, SEL, TITANIUM

2012 Ford Focus drivers can expect to pay an average of $85 a month for liability or $168 for full coverage.

We found ACG offered the most affordable policy, with rates as low as just $17 monthly.

What could your car insurance price look like? Just enter your ZIP code below to get multiple customized quotes for free.

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2011 Ford Focus Car Insurance

   
Liability Only Avg. Premium$89
Full Coverage Avg. Premium$162
Base MSRP$16,640
Cheapest Insurance CompanyElephant - $17/mo.
Available TrimsS, SE, SEL, SES

You can expect full coverage for a 2011 Focus to run about $162 a month, while liability only coverage will average around $89 per month.

Elephant offered the cheapest policy we found, with rates as cheap as just $17 a month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2010 Ford Focus Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$153
Base MSRP$16,290
Cheapest Insurance CompanyMetLife - $19/mo.
Available TrimsS, SE, SEL, SES

It costs about $79 monthly for liability or $153 for a full coverage policy for the 2010 Ford Focus.

Looking for the most affordable policy? MetLife offered liability only coverage for as cheap as $19 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2009 Ford Focus Car Insurance

   
Liability Only Avg. Premium$86
Full Coverage Avg. Premium$155
Base MSRP$15,520
Cheapest Insurance CompanyMercury - $17/mo.
Available TrimsS, SE, SEL, SES

On average, drivers who own a 2009 Focus can expect to pay $86 to $155 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the lowest possible 2009 Ford Focus insurance policy, Mercury offered the lowest policy we found, with rates as low as $17 a month.

If you want to know exactly how much you can expect to pay for your Focus, get free quotes in minutes by just entering your ZIP code below.

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2008 Ford Focus Car Insurance

   
Liability Only Avg. Premium$88
Full Coverage Avg. Premium$159
Base MSRP$14,395
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsS/SE, SE/SEL/SES

The average cost to insure a 2008 Ford Focus with liability only coverage is $88 per month, while full coverage runs around $159 monthly.

With costs sometimes as little as $17 per month, Liberty Mutual offered the most affordable policy we found for the 2008 Ford Focus.

While these are good estimates of what the average driver might pay to insure a 2008 Ford Focus, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2007 Ford Focus Car Insurance

   
Liability Only Avg. Premium$83
Full Coverage Avg. Premium$146
Base MSRP$13,715
Cheapest Insurance CompanyLiberty Mutual - $17/mo.
Available TrimsST, ZX3/S/SE/SES, ZX4/S/SE/SES, ZX5/S/SE/SES, ZXW/S/SE/SES

On average, drivers who own a 2007 Focus can expect to pay $83 to $146 a month for liability only and full coverage car insurance, respectively.

With costs sometimes as cheap as $17 per month, Liberty Mutual offered the lowest policy we found.

Want to know exactly what your auto insurance rate will be? Enter your ZIP code below to get a variety of free customized quotes.

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2006 Ford Focus Car Insurance

   
Liability Only Avg. Premium$83
Full Coverage Avg. Premium$164
Base MSRP$13,450
Cheapest Insurance CompanyJupiter - $17/mo.
Available TrimsZX3, ZX4, ZX4 ST, ZX5, ZXW

2006 Ford Focus drivers can expect to pay an average of $83 a month for liability or $164 for full coverage.

We found Jupiter offered the cheapest policy, with rates as little as just $17 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Ford Focus Insurance FAQs

Is a Ford Focus expensive to insure?

It costs less to insure a Ford Focus when compared to the average vehicle. Liability insurance runs an average of $83 per month, while full coverage will cost you around $171.

How can I get the best price on car insurance for my Ford Focus?

There's only one way to be sure you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Focus affect my insurance rates?

You may have heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not the case. There are lots of variables insurance carriers use when they offer premiums, but your car's color is not on that list.

Do I need to have insurance before I buy a Ford Focus?

Before you can legally drive your new (or new to you) Focus off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but the best thing to do when buying a new car is to talk with your car insurance carrier before you buy.

What car insurance discounts can I get for my Ford Focus?

There are a variety of discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your Focus has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to talk with your insurance agent and ask about their list of discounts, since they change quite a bit from carrier to carrier.

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