Insurance premiums for a Ford Focus average $175 monthly for full coverage and $91 for minimum coverage. Depending on your particular trim and model year, costs can range from $65 to $482 monthly.
Ford Focus Insurance Cost
Updated: January 13, 2026
Key Takeaways
GEICO offers the most affordable Ford Focus insurance, with full coverage averaging $130 monthly. Rates vary based on your model year and chosen insurer. Read more
The Focus ranks 15th out of 40 wagons for insurance affordability and 125th out of 827 total vehicles. This places it in the top 15% most affordable cars to insure overall, despite wagons being an expensive category. Read more
Your Focus's model year and driver age affect insurance rates. Teen drivers and owners of newer model years have higher premiums than experienced drivers with older models. Read more
How Much Is Ford Focus Insurance?
| Ford Focus | $91 | $175 |
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Monthly premiums for a Ford Focus range from $65 for older models to $247 for the newest versions. Your car's age greatly impacts insurance costs, and the Ford Focus is no exception. Newer models carry higher premiums because they're worth more money.
Insurance costs for a Ford Focus depend on model year and company. Full coverage goes from $130 monthly with GEICO to $319 with AIG, while minimum coverage ranges from $61 with GEICO to $164 with UAIC.
Ford Focus owners should shop between insurers since minimum coverage varies by over $103 and full coverage by over $189. Each company calculates risk differently for the Focus, affecting your final quote.
| AAA | $96 | $198 |
| AIG | $129 | $319 |
| Allstate | $117 | $227 |
| Amica | $108 | $221 |
| Chubb | $117 | $230 |
| Farmers | $123 | $216 |
| Geico | $61 | $130 |
| Kemper | $92 | $182 |
| Nationwide | $110 | $190 |
| Progressive | $97 | $181 |
| State Farm | $80 | $166 |
| The Hartford | $99 | $169 |
| Travelers | $87 | $160 |
| UAIC | $164 | $205 |
Is Ford Focus Expensive to Insure?
Comparing the Ford Focus to similar vehicles shows where it stands for insurance costs. MoneyGeek analyzed 40 wagons in our database and found the Focus ranks 15th for affordability, meaning 14 wagons cost less to insure. It's a few dollars per month pricier than a Suzuki Aerio but slightly cheaper than a Scion xB, putting it squarely in the middle of its category.
While that's middle-tier among wagons, the Focus actually ranks 125th out of 827 total vehicles, placing it in the top 15% most affordable cars to insure. Wagons as a category tend to be expensive, with the cheapest option being the Saab 9-5 and the priciest the Audi RS 6.
| Chevrolet HHR | $106 | 12 |
| Pontiac Vibe | $106 | 13 |
| Suzuki Aerio | $107 | 14 |
| Ford Focus | $108 | 15 |
| Scion xB | $112 | 16 |
| Volvo V60 | $112 | 17 |
| Suzuki Forenza | $114 | 18 |
Several factors affect what you'll pay for Ford Focus insurance:
- Average Repair or Replacement Costs: Ford Focus repair costs average $600 annually, ranking as Ford's second most affordable model to maintain out of 35. This relatively low maintenance expense helps keep insurance premiums more reasonable compared to other Ford vehicles.
- Vehicle Trim, Features and Accessories: Horsepower ranges from 160 to 350, depending on the trim, with higher performance typically leading to higher insurance premiums. Performance-focused trims with extreme horsepower cost substantially more to insure due to their powerful capabilities.
- Driver Profile: Most Ford Focus drivers are 25 to 35 years old with a median age of around 30, and younger drivers may face higher rates due to risk factors. The Focus's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of a Ford Focus for young drivers.
Ford Focus Costs by Model Year and Driver Age by Insurance Company
Model year importance can't be overstated when it comes to your Ford Focus insurance costs, as rates change dramatically based on your car's age and your own driving experience. A 2009 Ford Focus costs about $201 monthly for full coverage insurance for drivers aged 35 to 55, while a 2018 model jumps to $262 per month. Young drivers in their teens and early twenties face much steeper premiums across all model years.
Shopping between insurers gives you the best opportunity to cut your Ford Focus insurance costs significantly. GEICO consistently offers the most affordable rates across all model years and could save you hundreds of dollars monthly compared to average premiums.
2018 Ford Focus Insurance Rates
2017 Ford Focus Insurance Rates
2016 Ford Focus Insurance Rates
Cost of Car Insurance for 2018 Ford Focus
| Geico | $77 | $167 |
| National General | $87 | $178 |
| Travelers | $117 | $214 |
| State Farm | $120 | $250 |
| Progressive | $123 | $229 |
| AAA | $128 | $265 |
| Kemper | $130 | $260 |
| The Hartford | $135 | $230 |
| Amica | $136 | $278 |
| Nationwide | $141 | $243 |
| Allstate | $144 | $278 |
| Farmers | $170 | $300 |
| Chubb | $172 | $340 |
| AIG | $175 | $442 |
| UAIC | $198 | $249 |
2018 Ford Focus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $943 | $829 | $733 | $633 | $559 | $475 | $431 | $385 | $352 | $310 |
| Geico | $945 | $689 | $579 | $420 | $362 | $292 | $269 | $223 | $211 | $192 |
| Nationwide | $1,103 | $1,010 | $931 | $789 | $666 | $432 | $401 | $374 | $353 | $316 |
| Travelers | $1,272 | $915 | $720 | $555 | $488 | $364 | $332 | $306 | $282 | $246 |
| Allstate | $1,316 | $1,031 | $833 | $618 | $554 | $431 | $392 | $371 | $350 | $309 |
| Progressive | $1,677 | $1,351 | $1,119 | $623 | $543 | $439 | $391 | $349 | $321 | $275 |
| Farmers | $1,869 | $1,385 | $1,233 | $764 | $721 | $547 | $489 | $467 | $444 | $374 |
Cost of Car Insurance for 2017 Ford Focus
| Geico | $82 | $178 |
| National General | $92 | $189 |
| Travelers | $126 | $231 |
| State Farm | $129 | $267 |
| Progressive | $132 | $247 |
| AAA | $136 | $281 |
| Kemper | $137 | $273 |
| The Hartford | $143 | $243 |
| Amica | $144 | $295 |
| Nationwide | $149 | $257 |
| Allstate | $153 | $295 |
| Farmers | $181 | $318 |
| Chubb | $184 | $362 |
| AIG | $186 | $471 |
| UAIC | $211 | $266 |
2017 Ford Focus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $1,005 | $733 | $615 | $446 | $384 | $310 | $286 | $237 | $224 | $204 |
| State Farm | $1,008 | $887 | $784 | $677 | $597 | $508 | $461 | $412 | $376 | $331 |
| Nationwide | $1,169 | $1,069 | $986 | $836 | $706 | $458 | $424 | $396 | $374 | $334 |
| Travelers | $1,368 | $984 | $775 | $597 | $525 | $392 | $357 | $330 | $304 | $265 |
| Allstate | $1,399 | $1,096 | $886 | $657 | $589 | $458 | $417 | $394 | $372 | $328 |
| Progressive | $1,805 | $1,454 | $1,205 | $670 | $585 | $472 | $421 | $375 | $345 | $296 |
| Farmers | $1,984 | $1,471 | $1,309 | $811 | $765 | $581 | $519 | $496 | $472 | $397 |
Cost of Car Insurance for 2016 Ford Focus
| Geico | $80 | $174 |
| National General | $90 | $185 |
| Travelers | $123 | $226 |
| State Farm | $126 | $262 |
| Progressive | $129 | $242 |
| AAA | $133 | $275 |
| Kemper | $134 | $267 |
| The Hartford | $140 | $238 |
| Amica | $141 | $289 |
| Nationwide | $146 | $251 |
| Allstate | $149 | $289 |
| Farmers | $177 | $312 |
| Chubb | $180 | $354 |
| AIG | $182 | $461 |
| UAIC | $206 | $260 |
2016 Ford Focus Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| Geico | $984 | $717 | $602 | $437 | $376 | $304 | $280 | $232 | $219 | $199 |
| State Farm | $987 | $868 | $767 | $663 | $585 | $497 | $451 | $403 | $368 | $324 |
| Nationwide | $1,144 | $1,047 | $965 | $818 | $691 | $448 | $415 | $387 | $366 | $327 |
| Travelers | $1,339 | $963 | $759 | $585 | $514 | $384 | $350 | $323 | $297 | $259 |
| Allstate | $1,369 | $1,073 | $867 | $643 | $577 | $448 | $408 | $386 | $364 | $321 |
| Progressive | $1,767 | $1,423 | $1,179 | $656 | $572 | $462 | $412 | $367 | $338 | $290 |
| Farmers | $1,942 | $1,440 | $1,282 | $794 | $749 | $569 | $508 | $485 | $462 | $388 |
Ford Focus Insurance Cost by Trim
Ford Focus insurance costs vary dramatically by trim, with high-performance Rs Hatchback 4d models reaching $482 monthly for full coverage while basic Zx3 Hatchback 2d versions start at just $66 for minimum coverage. Performance features, rarity, and market value determine where your specific trim falls within this range.
| Zx3 Hatchback 2d | $66 | $126 |
| Zx5 Hatchback 4d | $66 | $126 |
| Lx Sedan 4d | $66 | $126 |
| Zx4 Se Sedan 4d | $67 | $129 |
| Zts Sedan 4d | $67 | $129 |
| Zx3 Svt Hatchback 2d | $67 | $130 |
| Ztw Wagon 4d | $68 | $131 |
| Se Wagon 4d | $69 | $133 |
| Zx4 S Sedan 4d | $72 | $138 |
| Zx3 S Hatchback 2d | $75 | $144 |
| Zx3 Se Hatchback 2d | $77 | $147 |
| Zxw Se Wagon 4d | $77 | $149 |
| Zx4 Ses Sedan 4d | $79 | $152 |
| Se Sedan 4d | $80 | $155 |
| Zxw Ses Wagon 4d | $81 | $155 |
| Zx5 S Hatchback 4d | $81 | $156 |
| Zx5 Se Hatchback 4d | $82 | $157 |
| Zx4 St Sedan 4d | $82 | $158 |
| Zx5 Svt Hatchback 4d | $83 | $159 |
| S Hatchback 2d | $84 | $161 |
| Zx3 Ses Hatchback 2d | $86 | $165 |
| S Sedan 4d | $86 | $166 |
| Svt Hatchback 2d | $86 | $166 |
| Electric Hatchback 4d | $88 | $170 |
| S Hatchback 4d | $88 | $169 |
| S Coupe 2d | $89 | $172 |
| Zx5 Ses Hatchback 4d | $90 | $173 |
| Se Hatchback 2d | $91 | $175 |
| Se Hatchback 4d | $92 | $177 |
| Ses Hatchback 2d | $93 | $178 |
| Ses Hatchback 4d | $94 | $181 |
| Se Coupe 2d | $95 | $182 |
| St Sedan 4d | $95 | $183 |
| Titanium Sedan 4d | $97 | $187 |
| Ses Sedan 4d | $98 | $188 |
| Ses Wagon 4d | $100 | $191 |
| Ses Coupe 2d | $102 | $197 |
| Svt Hatchback 4d | $102 | $197 |
| Titanium Hatchback 4d | $102 | $198 |
| Sel Sedan 4d | $103 | $198 |
| Sel Hatchback 4d | $119 | $230 |
| St Hatchback 4d | $152 | $293 |
| Rs Hatchback 4d | $249 | $482 |
Ford Focus Insurance Cost by State
Car insurance for a Ford Focus costs as little as $30 per month in Wyoming or as much as $180 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations drive these differences, not the model itself.
| Alabama | $74 | $137 |
| Alaska | $65 | $136 |
| Arizona | $107 | $199 |
| Arkansas | $69 | $155 |
| California | $85 | $172 |
| Colorado | $82 | $196 |
| Connecticut | $129 | $221 |
| Delaware | $131 | $219 |
| Florida | $125 | $289 |
| Georgia | $141 | $231 |
| Hawaii | $48 | $107 |
| Idaho | $48 | $97 |
| Illinois | $82 | $153 |
| Indiana | $56 | $110 |
| Iowa | $46 | $111 |
| Kansas | $61 | $141 |
| Kentucky | $111 | $188 |
| Louisiana | $180 | $390 |
| Maine | $44 | $91 |
| Maryland | $145 | $245 |
| Massachusetts | $91 | $191 |
| Michigan | $133 | $255 |
| Minnesota | $71 | $147 |
| Mississippi | $74 | $146 |
| Missouri | $97 | $193 |
| Montana | $57 | $135 |
| Nebraska | $62 | $142 |
| Nevada | $165 | $299 |
| New Hampshire | $62 | $108 |
| New Jersey | $152 | $251 |
| New Mexico | $71 | $159 |
| New York | $113 | $202 |
| North Carolina | $71 | $139 |
| North Dakota | $47 | $102 |
| Ohio | $69 | $133 |
| Oklahoma | $78 | $173 |
| Oregon | $115 | $200 |
| Pennsylvania | $74 | $174 |
| Rhode Island | $113 | $200 |
| South Carolina | $94 | $174 |
| South Dakota | $43 | $130 |
| Tennessee | $69 | $139 |
| Texas | $114 | $233 |
| Utah | $99 | $167 |
| Vermont | $37 | $88 |
| Virginia | $86 | $139 |
| Washington | $85 | $158 |
| West Virginia | $74 | $151 |
| Wisconsin | $56 | $123 |
| Wyoming | $30 | $93 |
How to Lower the Cost of Ford Focus Insurance
These proven strategies help you find better rates on your Ford Focus insurance:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Ford Focus. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Ford Focus.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might provide limited coverage or slower service.
- 4Explore discounts you qualify for
Discover car insurance discounts offered to your situation. Ford Focus owners typically qualify for safety features discounts, good driver discounts, multi-vehicle savings and bundling discounts when combining auto and home policies.
- 5Consider alternative car insurance types
Ford Focus owners might benefit from usage-based insurance options such as Progressive Snapshot or Allstate Drivewise that track safe driving habits and offer premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Ford Focus insurance premiums.
Ford Focus Insurance Cost: Bottom Line
Ford Focus insurance costs less than average, giving you a head start on affordable coverage. You'll secure even better rates by comparing quotes from multiple insurers and maximizing available discounts.
Ford Focus Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Focus?
Ford Focus insurance costs $1,090 annually for minimum coverage and $2,100 for full coverage. This makes it relatively affordable compared to the national average.
What company has the cheapest car insurance for a Ford Focus?
Geico provides the most affordable minimum coverage for a Ford Focus at $727 annually. For full coverage, Geico remains the best value option at $1,565 per year.
Are Ford Focus cars expensive to insure?
No, Ford Focus insurance is not expensive compared to other vehicles. The Focus ranks 125th out of 827 vehicles for affordability, placing it among the more budget-friendly options within the wagon category at 15th out of 40.
What factors affect insurance costs for the Ford Focus?
Many factors affect your Ford Focus insurance rates. Your personal driving record and credit score impact premiums, along with the coverage levels you select. Ford Focus models rank favorably for affordability, with average monthly premiums of $133 running below the national average.
How can I lower Ford Focus insurance costs?
Compare quotes from several insurers since Ford Focus pricing differs significantly between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Ford Focus Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Ford Focus insurance costs.
Who We Based These Rates On
These Ford Focus prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.