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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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Car insurance for the Ford Focus averages $142 per month, 15% lower than the average insurance cost for all vehicles.
USAA offers the cheapest Focus premiums at $75 per month.
The practical design and low theft appeal of the Ford Focus contribute to keeping insurance rates low.
The coverage you choose affects how much you pay for Ford Focus insurance. Liability insurance covers property damage and injuries you cause to others. A full-coverage policy adds protection for your car. It includes collision insurance, which pays for the repair of damage caused by car accidents, and comprehensive coverage for non-collision incidents, such as theft or hail.
Below, you can compare rates for Ford Focus insurance coverage versus the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Ford Focus | $107 | $176 | $142 |
| All vehicles | $116 | $216 | $166 |
Full-coverage car insurance for a Ford Focus averages $176 per month. If you opt for a liability-only policy, you can expect to pay around $107 per month. Compared to other cars, the Ford Focus is relatively cheap to insure
Your actual rate varies depending on where you live, your driving record, and the insurance company you choose.
Comparing personalized quotes is the only way to find the best coverage.
Insurance rates for the same car can fluctuate by hundreds of dollars across companies. That’s because insurers weigh risk differently, with some prioritizing your driving history and others focusing more on your credit history or ZIP code.
The companies below offer some of the cheapest car insurance rates for the Ford Focus, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $84 |
| Allstate | $107 |
| American Family | $114 |
| GEICO | $117 |
| CSAA | $129 |
| Nationwide | $138 |
| Progressive | $141 |
| Travelers | $145 |
| Farmers | $164 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is a top choice for Focus drivers with military ties. It offers the cheapest overall rates, plus perks like discounts for living on base. Consider signing up for USAA SafePilot, a smartphone app that tracks safe driving habits, to get up to 30% off your bill.
Top rated for customer satisfaction[1]
Lowest rates for the Focus
Military-only eligibility
SafePilot availability varies
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm has agents in nearly every community, giving you face-to-face service when filing a claim or adjusting your coverage. If you need other insurance products, you can mix and match coverage for bundling discounts on auto, home, condo, renters, or life insurance.
Available in every state
Plenty of available discounts
New car replacement not available
Fewer available coverages
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers accident forgiveness to keep rates stable after an accident, even if you’re at fault. And if your Focus needs repairs, rental reimbursement can get you back on the road. Allstate also helps you cut costs with discounts for bundling policies and paying your premium up front.
Available accident forgiveness
Good savings for anti-theft features
Hit-or-miss customer satisfaction
Few optional coverages
Since newer cars are worth more, they’re more expensive to insure. That’s why older Focus models tend to have cheaper car insurance premiums.
For Ford Focus drivers, the biggest price drops are with full coverage. Liability insurance costs tend to remain fairly stable since your rates depend more on your driving behavior than your car’s value.
Let’s look at how monthly Ford Focus insurance costs vary by model year and insurer, according to Compare.com data.
Focus Model Year | Average Monthly Premium |
|---|---|
| 2018 | $149 |
| 2017 | $146 |
| 2016 | $142 |
| 2015 | $139 |
| 2014 | $137 |
| 2013 | $130 |
| 2012 | $126 |
| 2011 | $123 |
| 2010 | $121 |
| 2009 | $116 |
| 2008 | $115 |
| 2007 | $113 |
| 2006 | $112 |
| 2005 | $109 |
| 2004 | $106 |
| 2003 | $105 |
| 2002 | $106 |
| 2001 | $106 |
| 2000 | $104 |
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| State Farm | $84 |
| Allstate | $107 |
| American Family | $114 |
| GEICO | $117 |
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $82 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $115 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $80 |
| Allstate | $102 |
| American Family | $109 |
| GEICO | $112 |
Company | Average Monthly Premium |
|---|---|
| USAA | $70 |
| State Farm | $78 |
| Allstate | $100 |
| American Family | $106 |
| GEICO | $109 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $77 |
| Allstate | $98 |
| American Family | $105 |
| GEICO | $108 |
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $73 |
| Allstate | $93 |
| American Family | $100 |
| GEICO | $102 |
Company | Average Monthly Premium |
|---|---|
| USAA | $64 |
| State Farm | $71 |
| Allstate | $90 |
| American Family | $97 |
| GEICO | $99 |
Company | Average Monthly Premium |
|---|---|
| USAA | $62 |
| State Farm | $69 |
| Allstate | $88 |
| American Family | $94 |
| GEICO | $97 |
Company | Average Monthly Premium |
|---|---|
| USAA | $61 |
| State Farm | $68 |
| Allstate | $87 |
| American Family | $93 |
| GEICO | $95 |
Company | Average Monthly Premium |
|---|---|
| USAA | $59 |
| State Farm | $66 |
| Allstate | $84 |
| American Family | $89 |
| GEICO | $92 |
Company | Average Monthly Premium |
|---|---|
| USAA | $58 |
| State Farm | $65 |
| Allstate | $83 |
| American Family | $88 |
| GEICO | $91 |
Company | Average Monthly Premium |
|---|---|
| USAA | $57 |
| State Farm | $65 |
| Allstate | $81 |
| American Family | $87 |
| GEICO | $89 |
Where you keep your Focus affects how much you pay for car insurance. Plus, region-specific variables, like accident rates and weather risks, can push rates up or down.
That said, Ford Focus insurance premiums can vary drastically by state. Check out the map below to see how your state compares, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $117 |
| Arizona | $125 |
| Arkansas | $135 |
| California | $153 |
| Colorado | $153 |
| Connecticut | $211 |
| Delaware | $177 |
| Florida | $165 |
| Georgia | $189 |
| Hawaii | $94 |
| Idaho | $78 |
| Illinois | $118 |
| Indiana | $97 |
| Iowa | $80 |
| Kansas | $110 |
| Kentucky | $147 |
| Louisiana | $159 |
| Maine | $104 |
| Maryland | $225 |
| Massachusetts | $112 |
| Michigan | $171 |
| Minnesota | $129 |
| Mississippi | $112 |
| Missouri | $135 |
| Montana | $111 |
| Nebraska | $107 |
| Nevada | $188 |
| New Hampshire | $65 |
| New Jersey | $200 |
| New Mexico | $108 |
| New York | $163 |
| North Carolina | $66 |
| North Dakota | $87 |
| Ohio | $92 |
| Oklahoma | $127 |
| Oregon | $113 |
| Pennsylvania | $120 |
| Rhode Island | $163 |
| South Carolina | $182 |
| South Dakota | $103 |
| Tennessee | $106 |
| Texas | $163 |
| Utah | $111 |
| Vermont | $106 |
| Virginia | $133 |
| Washington | $126 |
| Washington D.C. | $234 |
| West Virginia | $110 |
| Wisconsin | $90 |
| Wyoming | $84 |
Comparing quotes can save you up to $867.†
Insurance rates change with age, as certain age groups have a higher risk of crashes. Young drivers, especially teens, pay more because they’re at a higher risk of filing a claim than older drivers. But rates drop as you gain experience, and you’ll likely see cheaper rates after you reach age 25.
The table below shows Ford Focus insurance pricing by age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $273 |
| Adults | $142 |
| Seniors | $122 |
Fatal accident rates are highest for drivers younger than 20, according to the Insurance Institute for Highway Safety (IIHS).[2] This helps explain why insurance companies charge more for teen car insurance. But you may be able to lower your premiums by asking your insurer about discounts for good grades or switching companies.
The following chart shows the best car insurance companies for teen Focus drivers, according to Compare.com data.
Seniors have some of the lowest car insurance costs. That’s due in part because older drivers limit their driving and have fewer crashes, according to the IIHS.[3] But don’t assume all companies will offer lower rates. Insurance rates can vary widely, so using a car insurance comparison site to compare prices can save you even more.
Below are average monthly premiums senior Focus drivers can expect to pay, according to Compare.com data.
Your behavior behind the wheel matters. A clean driving record free of accidents, speeding tickets, and driving under the influence (DUI) convictions puts you in a lower risk category, which can save you hundreds of dollars every year.[4]
The table below shows how specific driving violations affect your monthly premiums, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $142 |
| Speeding ticket | $190 |
| At-fault accident | $203 |
| DUI | $239 |
Getting a speeding ticket can cause your Focust insurance rates to jump sharply. Speed was a factor in 28% of fatal accidents in 2023, according to the National Highway Traffic Safety Administration (NHTSA).[5] Even one violation can mark you as a higher-risk driver because speeding increases your risk of getting into an accident and filing a claim.
Because price jumps vary by insurer, shopping around before purchasing your policy can help you save. Ford Focus drivers with a speeding ticket can find the cheapest average rates with the insurers below, according to Compare.com data.
Insurers see accidents as a red flag. An accident on your record is proof that you’ve already cost an insurance company money, which can lead to higher premiums for about three years.[6] But the price bump isn’t uniform across companies, so comparing rates is essential to lowering your rates.
For Focus drivers with an at-fault accident, the companies in the chart below offer the best car insurance rates, according to our data.
About 30% of all traffic deaths involve an alcohol-impaired driver, according to the NHTSA.[7] For this reason, a DUI affects your car insurance rate more than any other violation. Rebuilding your record with safe driving habits and telematics programs can help lower costs.
The good news is that some companies specialize in insuring high-risk drivers and offer better rates. Take a look at the chart below to see average monthly costs for Focus drivers with a DUI on their record, based on data from Compare.com.
Several key factors affect Ford Focus insurance costs, including:
The Focus isn’t a luxury vehicle with expensive parts, which helps keep claim payouts low.
Depending on trim and mileage, pricing for a 2018 Focus starts around $6,400.[8]
Standard equipment like airbags and available advanced driver assistance can qualify you for safety discounts.
The Ford Focus has low theft risk, so you won’t find it on the National Insurance Crime Bureau’s vehicle theft list.
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While the Ford Focus is generally cheaper to insure than most vehicles, here are five additional tips that can help lower your rates even further.
Be picky about trim. The Ford Focus RS is a high-performance model that can increase premiums. Base-trim models such as the S and SE are often cheaper to insure.
Sign up for telematics. If you’re a safe driver, telematics programs like Allstate Drivewise can lower your rates.
Report actual mileage. The Focus’s fuel economy might tempt you to drive more often, but reducing your annual mileage can open up low-mileage discounts.
Double-check safety discounts. Ask about airbag discounts and even anti-theft discounts, and make sure your insurer adds them to your insurance policy.
Compare quotes. Don’t settle for the first quote you get. Shop around and compare quotes to get the best deal.
Get personalized rates from 100+ top insurers.
For more information about Ford Focus insurance, see our answers to commonly asked questions below.
No, Focus insurance isn’t expensive, according to our data. At just $142 per month, the Ford Focus car insurance is about 15% cheaper than the national average cost for all vehicles, thanks to its compact size and reasonable repair costs.
USAA is the most affordable insurance company for Ford Focus owners, but you must have a military connection to qualify. Otherwise, State Farm is the cheapest for everyone else, at $80 per month, according to our data.
The average car insurance cost for a 2018 Ford Focus is $142 per month, according to our data. Keep in mind your actual rate depends on your demographic, location, driving record, coverage options, and deductible.
The Ford Fiesta is the cheapest vehicle in Ford’s lineup to insure, according to Compare.com data. But your cost depends on your specific situation, so shopping around is still the best way to ensure you get the best rate.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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