Ford Focus insurance costs average $91 per month for minimum coverage and $175 monthly for full coverage. But, depending on your particular trim and model year, costs can range from $40 to $659 for Ford Focus monthly.
Ford Focus Insurance Cost
Updated: September 24, 2025
Key Takeaways
Ford Focus insurance costs range from $89 to $659 monthly depending on your specific trim level and model year.
Ford Focus insurance affordability ranks 125th among 827 vehicle models sold in the US market from 2000 through 2025.
GEICO provides the most affordable Ford Focus insurance with full coverage starting at $130 monthly and minimum coverage at $61 monthly.
How Much Is Ford Focus Insurance?
| Ford Focus | $91 | $175 |
Ford Focus Insurance Cost by Model Year
Your Ford Focus insurance rates depend on its model year and available trims, with newer vehicles costing more due to higher fair market value. Monthly premiums range from $65 for older models to $247 for newer ones, showing how model year impacts your insurance budget.
| 2018 | $120 | $232 |
| 2017 | $128 | $247 |
| 2016 | $125 | $242 |
| 2015 | $92 | $178 |
| 2014 | $81 | $156 |
| 2013 | $72 | $139 |
| 2012 | $122 | $234 |
| 2011 | $107 | $206 |
| 2010 | $107 | $206 |
| 2009 | $94 | $180 |
| 2008 | $80 | $153 |
| 2007 | $87 | $167 |
| 2006 | $83 | $160 |
| 2005 | $75 | $144 |
| 2004 | $71 | $137 |
| 2003 | $70 | $134 |
| 2002 | $69 | $132 |
| 2001 | $71 | $137 |
| 2000 | $65 | $125 |
Ford Focus Insurance Cost by Trim
Your Ford Focus trim impacts insurance costs based on its features, rarity, desirability and market value. Monthly premiums vary dramatically across trim levels, ranging from $66 to $482 according to our research, making trim selection an important factor in your overall insurance budget.
| 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 |
Compare Personalized Ford Focus Insurance Costs
We've broken down Ford Focus insurance costs by model year and trim to give you personalized rates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Lx Sedan 4d
| Lx Sedan 4d | $61 | $118 |
Ford Focus Insurance Cost by Company
Ford Focus insurance costs vary by provider from $96 to $224 monthly. Minimum coverage ranges from $61 to $164, while full coverage costs $130 to $319. Rates vary due to different risk assessment models.
| 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 |
Ford Focus Insurance Cost by State
Ford Focus insurance costs vary dramatically by state, ranging from $30 monthly in Wyoming to $390 monthly in Louisiana.
| 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 |
Ford Focus Insurance Cost by Driver Profile
Your driving profile, particularly your age and driving record, dramatically impacts Ford Focus insurance costs. Monthly premiums can reach $337 for young drivers under 25 without violations and drop to just $133 for adult drivers aged 26-64 with clean records.
| Adult Drivers | $91 | $175 |
| Young Drivers | $232 | $442 |
| Senior Drivers | $121 | $222 |
| Drivers With a Speeding Ticket | $113 | $220 |
| Drivers With an Accident | $134 | $256 |
| Drivers With a DUI | $167 | $317 |
| Drivers With Bad Credit | $212 | $425 |
Is a Ford Focus Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford Focus ranks 125th out of 827, making it one of the more affordable cars to insure. Among compact coupes, the model ranks 13th out of 14.
| Subaru Impreza | $57 | $110 |
| Mitsubishi Mirage | $65 | $125 |
| Chevrolet Cavalier | $68 | $130 |
| Mitsubishi Eclipse | $70 | $135 |
| Saturn Astra | $71 | $136 |
| Pontiac Sunfire | $71 | $136 |
| Chevrolet Cobalt | $71 | $137 |
| Saturn Ion | $72 | $138 |
| Pontiac G5 | $74 | $143 |
| Honda CR-Z | $75 | $145 |
| Honda Civic | $78 | $150 |
| Hyundai Elantra | $86 | $165 |
| Ford Focus | $97 | $187 |
| Kia Forte | $107 | $205 |
Factors That Affect Ford Car Insurance Costs
These factors affect what you'll pay for Ford Focus insurance:
- Age (under 25): Younger drivers face higher premiums due to inexperience and higher accident rates.
- Gender (higher proportion male for ST trims): Male drivers often pay more, especially for performance models, due to riskier driving behaviors.
- Driving record: Clean records lower premiums , while violations and accidents raise costs.
- Income (budget-friendly buyers): Many Focus owners are cost-conscious, though higher-trim and ST buyers often skew toward enthusiasts willing to pay more for performance insurance.
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Focus repair costs average $600 annually, making it Ford's second most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Ford Focus is offered in trims such as S, SE, SEL, Titanium, and the sportier ST. Lower trims feature modest engines, cloth interiors, and basic infotainment, while higher trims add upgraded tech, alloy wheels, and premium safety features. The ST trim, with its turbocharged engine, sport suspension, and performance parts, raises insurance costs due to higher replacement values and specialized repairs.
Fuel Type
All U.S. Ford Focus models run on gasoline. While base trims are relatively fuel-efficient, performance versions like the Focus ST consume more fuel and cost slightly more to insure due to their higher horsepower and greater wear on components.
Location
Insurance rates for the Ford Focus vary by state and ZIP code. Drivers in dense urban areas face higher premiums due to theft and accident risks, while suburban and rural drivers often pay less. Availability of parts is generally good, though performance trims may be more expensive to service in regions with limited repair shop expertise.
Driver Profile
Most Ford Focus drivers fall into demographics that insurance companies evaluate closely for risk.
Driver demographics affect Ford Focus rates:
Cheapest Ford Focus Insurance Companies
Focus drivers looking for affordable full coverage car insurance will find GEICO offers the best value at $130 monthly. For minimum coverage policies, GEICO again leads the pack with Focus insurance premiums averaging just $61 per month.
| GEICO | $61 | $130 |
| State Farm | $80 | $166 |
| Travelers | $87 | $160 |
| The Hartford | $99 | $169 |
| Kemper | $92 | $182 |
Cheapest Ford Focus Insurance by State
We found that these are the top three most affordable car insurance providers for a Ford Focus:
- Auto-Owners: Offers the cheapest rates in 14 states
- GEICO: Provides the most affordable coverage in 13 states
- State Farm: Wins for affordability in five states
You can filter below to find who offers the most affordable auto insurance rates for your Ford Focus.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $36 |
How to Get the Best Cheap Ford Focus Insurance
Below we break down the best way to buy car insurance for your Ford Focus:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Ford's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. The cheapest car insurance companies will then be easier to find.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Ford Focus, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options.
- 4
Explore discounts you qualify for
Finding car insurance discounts you’ll likely qualify for will help you get the cheapest rate possible. The five discounts below are the most likely we found that Ford Focus owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Focus owners commonly share households with multiple vehicles. Insurers apply multi-car discounts when more than one vehicle is insured under the same policy.
- Bundling/Multi-Policy Discount (5% to 25% savings): Many Focus owners also carry renters or homeowners insurance, allowing them to bundle policies for premium savings.
- Good Driver/Safe Driver Discount (10% to 30% savings): The Focus is widely owned by middle-aged drivers, many of whom maintain clean driving records. That profile makes them strong candidates for good-driver discounts.
- Safety Features/Advanced Safety Discount (5% to 20% savings): With standard safety features like airbags, anti-lock brakes, and electronic stability control, the Focus qualifies for discounts from insurers who reward built-in safety.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Many Focus owners use the car primarily for commuting or as a secondary vehicle. Lower annual mileage or participation in telematics programs can unlock additional savings.
- 5
Consider alternative car insurance types
Ford Focus owners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Focus insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Focus Insurance Cost: Bottom Line
Insuring a Ford Focus costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Focus Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Focus.
What is the average cost of car insurance for a Ford Focus?
The Ford Focus's average annual insurance cost is $1,090 for minimum coverage and $2,100 for full coverage.
What company has the cheapest car insurance for a Ford Focus?
Focus drivers looking for affordable full coverage car insurance will find GEICO offers the best value at $130 monthly. For minimum coverage policies, GEICO again leads the pack with Focus insurance premiums averaging just $61 per month.
Are Ford Focus expensive to insure?
Ford Focus insurance costs less than most cars. Out of 827 vehicles we track, the Focus ranks 125th for affordability. But among compact coupes, this model sits at 13th out of 14.
What factors affect insurance costs for Ford Focus?
Several things drive up your Ford Focus rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Ford Focus insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Focus Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.