The annual full coverage insurance for a Ford Focus ranges from $967 with USAA to $5,821 for a 16-year-old. Rates vary widely based on the model year, age, where you live, driving history, coverage level and insurer. MoneyGeek breaks down Ford Focus insurance costs and coverage, offering insights into the best and cheapest options.
Ford Focus Insurance Cost
Updated: April 11, 2025
Key Takeaways
State Farm offers the most affordable minimum coverage across all Ford Focus model years, starting at $504 annually.
The average annual cost for insuring a Ford Focus is $638 for minimum coverage and $1,322 for full coverage.
MoneyGeek's analysis included data from 2,988 Ford Focus insurance quotes from Quadrant Information Services to ensure comprehensive and accurate cost estimates.
Ford Focus Insurance Rates
What Is the Average Ford Focus Car Insurance Cost?
The average cost of full coverage insurance for a Ford Focus is $110 per month or $1,322 per year, based on a 40-year-old male with a clean driving record. Minimum coverage averages $53 per month or $638 per year.
| Minimum Coverage | $638 |
| Full Coverage | $1,322 |
Ford Focus Insurance Costs by Company
Ford Focus insurance costs range from $993 to $1,769 per year, varying by age, model year and coverage level. The table below compares these rates with averages for all vehicles from national and midsize providers.
| Allstate | $1,379 | $1,813 | -24% |
| Auto-Owners | $1,109 | $1,227 | -10% |
| Farmers | $1,659 | $1,956 | -15% |
| GEICO | $1,143 | $1,333 | -14% |
| Kemper | $1,769 | $2,214 | -20% |
| Nationwide | $1,533 | $1,588 | -3% |
| Progressive | $1,560 | $1,743 | -10% |
| State Farm | $1,079 | $1,270 | -15% |
| Travelers | $1,462 | $1,521 | -4% |
| USAA | $993 | $1,200 | -17% |
Read more: Best Car Insurance Companies
Cost of Insuring a Ford Focus by Model Year
Your Ford Focus' production year affects insurance rates, with older models typically costing less. For instance, full coverage for a 2018 model costs around $1,494 annually, while a 2009 model costs $1,203. Below are the average full and minimum coverage rates by production year.
| 2018 | $670 | $1,494 |
| 2017 | $670 | $1,447 |
| 2016 | $665 | $1,424 |
| 2015 | $660 | $1,386 |
| 2014 | $629 | $1,347 |
| 2013 | $649 | $1,307 |
| 2012 | $642 | $1,268 |
| 2011 | $620 | $1,246 |
| 2010 | $648 | $1,224 |
| 2009 | $649 | $1,203 |
Ford Focus Insurance Costs by Driver Age
Ford Focus insurance rates vary greatly based on the driver's age. For example, 40-year-olds pay an average of $1,335 annually for full coverage, while 16-year-olds pay $5,821. Below are the average minimum and full coverage rates for drivers of different ages.
| 16 | $2,995 | $5,821 |
| 17 | $2,433 | $4,744 |
| 18 | $2,123 | $4,174 |
| 19 | $1,505 | $2,965 |
| 20 | $1,351 | $2,692 |
| 21 | $1,068 | $2,169 |
| 22 | $974 | $1,992 |
| 23 | $903 | $1,860 |
| 24 | $856 | $1,769 |
| 25 | $761 | $1,583 |
| 26 | $739 | $1,526 |
| 27 | $722 | $1,494 |
| 28 | $710 | $1,471 |
| 29 | $699 | $1,451 |
| 30 | $676 | $1,401 |
| 35 | $658 | $1,359 |
| 40 | $650 | $1,335 |
| 45 | $645 | $1,318 |
| 50 | $628 | $1,279 |
| 55 | $612 | $1,244 |
| 60 | $612 | $1,240 |
| 65 | $651 | $1,295 |
| 70 | $707 | $1,388 |
| 75 | $785 | $1,522 |
| 80 | $890 | $1,698 |
| 85 | $963 | $1,821 |
| 90 | $1,016 | $1,908 |
Ford Focus Insurance Rates Explained
Auto insurance rates depend on driver profiles and car-related factors. Key vehicle cost factors include make, model, age, safety features and repair costs.
Ford Focus Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Ford Focus
Average Full Coverage Rate
$1,322Premiums for Ford Focus are:$26 more
This is 2% more expensive.
Value
The Ford Focus is classified as a compact car with an MSRP of $25,145. Its low price can help reduce insurance premiums.
Repair costs
The Ford Focus' annual repair cost is $569, below the national average. Lower repair costs can result in cheaper insurance due to easier and less expensive part replacements.
Performance
With 123 to 160 horsepower, the Ford Focus isn't a high-performance vehicle, typically leading to average insurance costs.
Vehicle age
Newer Ford Focus models typically cost more to insure than older ones. However, collector and classic vehicles can also be very expensive.
Safety features
Safety features like stability control, airbags and antilock brakes can earn insurance discounts. The Ford Focus’ 5/5 NHTSA safety rating further lowers accident risk.
Vehicle size
Larger vehicles often have higher insurance costs due to greater property damage risk. At 2,974 lbs, the smaller Ford Focus may have lower insurance costs than larger models.
Trim level
Higher trim levels with premium upgrades increase the MSRP, making them more expensive to insure. The Ford Focus’ higher trims cost more to insure than the base model.
Theft rates
Vehicles prone to theft have higher insurance costs. The Ford Focus’ low theft risk helps keep its insurance rates lower.
Cheapest Ford Focus Insurance
State Farm offers the cheapest annual minimum coverage rate for a Ford Focus at $504, based on a 40-year-old male driver with a clean record. Below is a breakdown of the cheapest car insurance options across coverage levels, ages, driving records, model years and more.
Cheapest Ford Focus Insurance by Coverage Level
Your chosen coverage level greatly affects Ford Focus insurance rates. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Ford Focus Minimum Coverage
State Farm offers the cheapest minimum coverage for Ford Focus drivers at $42 monthly. GEICO, Travelers and Allstate follow at $43, $58 and $59, respectively.
| USAA | $36 | $428 |
| State Farm | $42 | $504 |
| GEICO | $43 | $518 |
| Travelers | $58 | $691 |
| Allstate | $59 | $702 |
| Progressive | $59 | $709 |
| Farmers | $62 | $748 |
| Nationwide | $65 | $778 |
*State Farm offers non-military-affiliated Ford Focus owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Ford Focus Insurance Rates by Model Year
The list above may not account for your Ford Focus’ production year. Insurance rates can vary by age, so filter the table below to find the most affordable minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $708 | $59 |
| Farmers | $747 | $62 |
| GEICO | $528 | $44 |
| Nationwide | $727 | $61 |
| Progressive | $729 | $61 |
| State Farm | $482 | $40 |
| Travelers | $706 | $59 |
| USAA | $459 | $38 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Ford Focus Insurance
State Farm offers the cheapest full coverage for a Ford Focus at $87 monthly or $1,047 annually. Below is the full list of full coverage car insurance providers and rates.
| USAA | $81 | $967 |
| State Farm | $87 | $1,047 |
| GEICO | $93 | $1,114 |
| Allstate | $110 | $1,321 |
| Travelers | $121 | $1,448 |
| Nationwide | $121 | $1,452 |
| Progressive | $124 | $1,493 |
| Farmers | $130 | $1,556 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Ford Focus owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Ford Focus Insurance by Age
Young drivers (16 to 25) and seniors (55+) often face higher Ford Focus insurance costs. Below is a breakdown of the cheapest options by age.
Cheapest Ford Focus Insurance for Young Drivers
State Farm offers the cheapest auto insurance for Ford drivers at $1,101 annually or $92 monthly for minimum coverage. Below is the complete list of low-cost options for Ford Focus drivers aged 16 to 25.
| USAA | $74 | $885 |
| State Farm | $92 | $1,101 |
| GEICO | $104 | $1,250 |
| Travelers | $122 | $1,464 |
| Allstate | $137 | $1,649 |
| Progressive | $166 | $1,987 |
| Farmers | $169 | $2,026 |
| Nationwide | $174 | $2,087 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Ford Focus Insurance for Seniors
State Farm offers the lowest car insurance rates for seniors 55 and up at $554 annually or $46 monthly. See the full list of affordable Ford Focus insurers below:
| State Farm | $46 | $554 |
| USAA | $47 | $567 |
| GEICO | $52 | $623 |
| Travelers | $69 | $831 |
| Allstate | $72 | $864 |
| Progressive | $76 | $907 |
| Nationwide | $76 | $914 |
| Farmers | $83 | $994 |
Cheapest Ford Focus Insurance After an Accident
State Farm, GEICO and Allstate offer Ford Focus drivers the cheapest car insurance after an accident. See the complete list below.
| State Farm | $53 | $631 |
| USAA | $54 | $651 |
| GEICO | $68 | $817 |
| Allstate | $80 | $965 |
| Travelers | $84 | $1,010 |
| Progressive | $97 | $1,169 |
| Nationwide | $102 | $1,221 |
| Farmers | $125 | $1,497 |
Ford Focus Insurance Cost: Bottom Line
Compare rates from different providers regularly to find the cheapest car insurance. This article explores Ford Focus insurance costs across demographics and highlights the most affordable providers.
Ford Focus Insurance Rates: FAQ
Below are answers to common questions about Ford Focus insurance costs, helping you understand affordable coverage options.
What company has the cheapest car insurance for a Ford Focus?
State Farm offers the most affordable minimum coverage for a Ford Focus at $504 annually.
What is the average cost of car insurance for a Ford Focus?
The average annual Ford Focus insurance cost is $638 for minimum coverage and $1,322 for full coverage.
Ford Focus Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 2,988 Ford Focus insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Ford Focus:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Ford Focus insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Ford Focus.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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.