Compare the Cost of Ford Focus Insurance by Model Year and Company

According to MoneyGeek’s research, the average annual cost to insure a Ford Focus is $1,253. This average is lower than the national average by $174, making the Ford Focus less expensive than other models.

Ford Focus insurance rates vary from the national average depending on your car's insurance provider and model year. Shopping around can help you secure the lowest costs.

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When purchasing insurance coverage for your Ford Focus, it is essential to note that different companies quote different costs for the same model year. Comparing quotes across various providers ensures that you get the best rate for your car.

Key Takeaways

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The average annual cost of insurance for a Ford Focus is $1,253, which is less than the average for all car models by $174.

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Insurance rates for a Ford Focus differ by approximately $693 depending on the insurance company you choose.

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The average cost of insuring a Ford Focus may differ by as much as $355, depending on how old your car is. The older the model, the lower the cost of insurance.

How Much It Costs to Insure a Ford Focus and the Cheapest Company

Ford Focus insurance costs may change significantly depending on the provider. USAA is the cheapest insurance company for this model, at roughly $1,029 per year. The most expensive provider charges an average of $693 more annually. It pays to compare quotes before choosing an insurance company.

The Average Annual Cost of Ford Focus Insurance by Company

MoneyGeek acquired car insurance rates for each provider by using a sample driver profile. In this case, the driver’s coverage provides 100/300/100 liability insurance with comprehensive and collision coverage.

The Average Cost to Insure a Ford Focus by Company

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Is a Ford Focus Expensive to Insure?

Insurers consider several criteria while calculating their rates for each car model. You will be charged more for an expensive vehicle, one that has higher repair costs or a car that has more instances of theft.

Ford Focus insurance rates are relatively low since the model has low value and low horsepower. Cars that have low value are not as expensive to repair, so drivers pay less for insurance. Low horsepower also means that the Ford Focus is less likely to be involved in a serious accident, which translates to lower insurance costs for the model.

The Best Car Insurance Company for a Ford Focus

Although the cost of insurance is important when it comes to purchasing coverage for your Ford Focus, it should not be the only factor to consider.

MoneyGeek ranked insurance companies based on factors such as financial stability, customer complaints, affordability and client satisfaction. From the findings:

The best car insurance provider for a Ford Focus is USAA, but its policies are limited to current and former military members and their families. GEICO came in second place.


1
USAA
Score:99

5/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:89

4.9/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
Progressive
Score:84

4.5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

4
State Farm
Score:82

4.2/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Ford Focus by Model Year

The average insurance for Ford Focus is higher for newer models. As a car’s value depreciates, its comprehensive and collision coverage rates tend to go down as well.

Insurance for a 2005 Ford Focus is $1,045 on average, while a 2020 model is $1,400. You can save up to $355 per year based on your car’s model year.

Individual companies tend to charge different rates for the same model year. For instance, USAA offers the lowest rates for a 2020 Ford Focus, at an average of $1,140 per year.

Check out the list below to compare rates between insurers for your model year.

The Average Cost to Insure a Ford Focus by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,140
    $1,146
    $1,045
    $1,036
    $946
    $861
  • 2.
    $1,157
    $1,125
    $1,074
    $1,081
    $952
    $871
  • 3.
    $1,236
    $1,230
    $1,189
    $1,173
    $1,084
    $930
  • 4.
    $1,380
    $1,302
    $1,320
    $1,277
    $1,034
    $995
  • 5.
    $1,750
    $1,677
    $1,508
    $1,534
    $1,307
    $1,226

How Expensive Is It to Insure a Ford Focus Compared to Other Cars?

It is not expensive to insure a Ford Focus. According to MoneyGeek, insurance rates for the model are slightly lower than the average rate across all the models. The average annual cost for the Ford Focus is $1,253, which is roughly $174 below the national average.

How Much It Costs to Insure a Ford Focus for 16- to 25-Year-Olds

Younger drivers pay more for car insurance regardless of the type of car they drive because they lack driving experience. Their inexperience makes them riskier to insure.

The cost of insuring a Ford Focus driven by an 18-year-old is $4,090 per year on average, which is $2,837 more than the average for a 40-year-old driver.

Parents can save money by including their teen drivers on their policies. Insurance costs for young drivers may be higher if they purchase their own coverage.

You can view the cost of car insurance for young drivers aged 16 to 25 below.

The Average Cost to Insure a Ford Focus by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $5,244
  • 17
    $4,645
  • 18
    $4,090
  • 19
    $2,930
  • 20
    $2,615
  • 21
    $2,070
  • 22
    $1,907
  • 23
    $1,745
  • 24
    $1,638
  • 25
    $1,486
  • 40
    $1,253

How Does Location Affect the Cost of Ford Focus Insurance?

The Ford Focus insurance cost indicated on this page is derived from an average of all the car models. Where you live can have a positive or negative impact on the insurance rates for your model. Using our state page analysis can help you estimate the exact costs for your state.

FAQs About Ford Focus Insurance

The model of your car and other factors like your age and location determines how much you pay for car insurance. To learn more about insurance for a Ford Focus, see MoneyGeek’s answers to frequently asked questions below.

Read More About Car Insurance

Methodology

MoneyGeek calculated insurance company rates for a Ford Focus S using a sample driver profile. The driver, in this case, is a 40-year-old male with a full coverage policy that includes:

$100,000 in bodily injury liability insurance per person $300,000 in bodily injury liability insurance per accident $100,000 in property damage liability insurance per accident Comprehensive and collision insurance with a $1,000 deductible

While the rates included here can help you determine how much you may pay for car insurance, they do not represent specific rates for every individual.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.