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: November 16, 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 |
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:
How to Lower the Cost of Ford Focus Insurance
Below we break down the best way to buy car insurance for your Ford Focus:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your Focus. If you own your Ford, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Check standard premiums by researching average auto insurance costs for compact cars. This information guides your search for the cheapest car insurance companies with good rates.
- 3Look for more than just low rates
Securing dependable car insurance requires investigating insurers beyond price. Read J.D. Power ratings, check forum feedback on claims experiences, review Better Business Bureau records and verify AM Best financial stability. Budget options may include slow claims processing or coverage limitations.
- 4Explore discounts you qualify for
Locate car insurance discounts you can claim. Ford Focus owners frequently receive good student discounts, safety features discounts, bundling discounts, paperless billing discounts and good driver discounts.
- 5Consider alternative car insurance types
Ford Focus owners should consider usage-based insurance or GEICO DriveEasy that track safe driving and provide premium reductions.
- 6Check rates every year
Obtain car insurance quotes from several companies each year. Insurers change rates regularly, and shopping around annually can slash your Ford Focus insurance by up to 24%.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.