Insurance premiums vary greatly depending on age. For example, a 16-year-old who insures a 2009 Ford Focus with full coverage spends roughly $5,661 per year, while a 40-year-old only pays around $1,221. For a 2018 model, a 16-year-old spends $6,869 per year, on average, whereas a 40-year-old only has to pay around $1,501.
You should consider several factors when purchasing auto insurance — affordability is one of them. MoneyGeek evaluated the best insurance providers for a Ford Focus based on cost, customer service and claims management.
Table of Contents
Average Cost and Cheapest Companies for Insuring a Ford Focus
It costs an average of $1,384 per year to insure a Ford Focus, choosing full coverage. The insurer that you purchase from can make a big difference in your overall cost.
For example, State Farm offers the cheapest full coverage policy for a Ford Focus at around $1,045 per year, while Farmers is the most expensive, setting a driver back around $1,598 per year.
For minimum coverage, we found that State Farm is also the most affordable company for a Ford Focus, charging an average annual premium of $504, whereas Farmers is again the least affordable provider at $786.
Make sure to compare quotes from multiple companies to find the cheapest car insurance for you.
Is a Ford Focus Expensive to Insure?
As a compact sedan, a Ford Focus is cheap to insure. Ford does not make the Focus anymore, but for its final model year of 2018, the fair purchase price is $11,313, which is inexpensive. Cars that are worth less usually are not expensive to repair or replace, so insurers tend to charge a lower premium. The Ford Focus also received an exceptional overall crash test rating — proof that it is very safe to drive. However, the Ford Focus’ high theft rate keeps it from having a rock-bottom premium.
Best Companies for Insuring a Ford Focus
The best auto insurers for a Ford Focus combine an affordable rate with a great service and claims experience. We found that the best car insurance providers for a Ford Focus are:
- State Farm: MoneyGeek score of 90 out of 100 ($1,045 per year)
- GEICO: MoneyGeek score of 88 out of 100 ($1,126 per year)
State Farm claims the top spot out of the seven providers in our study by offering the cheapest rate and good service, proving there doesn’t have to be a tradeoff between affordability and service quality when buying car insurance for a Ford Focus.
MoneyGeek Top Pick: State Farm

pros
Cheapest average premium for full coverage
Ranked second in customer satisfaction
cons
Below-average rating for claims management
Doesn’t offer original equipment manufacturer (OEM) coverage or gap insurance
COMPANY HIGHLIGHTS
State Farm offers the most affordable premium for a Ford Focus. It also has a strong reputation for delivering a good customer experience. State Farm also has an extensive line-up of discounts that could make your policy even more affordable.
Most drivers will find good value in State Farm’s basic add-on coverages. For example, roadside assistance covers towing, locksmith services, mechanical labor and the delivery of gas, tires, a battery or oil. But note that it excludes the cost of the delivered items.
If you purchase rental car and travel expense reimbursement coverage at State Farm, in a covered claim, you get a car rental up to policy limits while your car is being repaired. You may also receive up to $500 in travel-related expense reimbursement, including meals, lodging and other transportation costs, if your car gets damaged in a covered accident.
MoneyGeek Runner-Up: GEICO

pros
Second-highest in affordability
Provides good customer service
Offers roadside assistance and accident forgiveness
cons
Below-average claims management rating
No OEM coverage
COMPANY HIGHLIGHTS
GEICO is our runner-up for the best insurance provider for a Ford Focus with its good service and affordable premium.
GEICO has a selection of coverages that Ford Focus owners may find useful. For example, its roadside assistance coverage can be valuable during a breakdown as it sends help when you have a flat tire and covers towing and jumpstarts. Depending on the state where you live, you may also purchase or earn GEICO’s accident forgiveness coverage to protect you from the dramatic premium increase that typically follows an at-fault accident.
Cost of Insuring a Ford Focus by Model Year
In the case of a Ford Focus, a full coverage policy for a 2009 model only costs around $1,221 per year, but the 2018 model is roughly $280 more per year at $1,501 annually.
Your Ford Focus’ age has an impact on the average cost of car insurance. A car’s value depreciates over time, so newer models tend to be more expensive. Since Ford does not make the Focus anymore, 2018 is the newest model, which is five years old.
The average cost of car insurance for a model year can vary by the company. You may find that one company quotes you much more than another for the same policy for a Ford Focus.
However, MoneyGeek found that State Farm is the cheapest insurer for a Ford Focus, regardless of model year. For example, a full coverage policy costs an average of $927 annually for a 2009 model and $1,180 a year for a 2018 model.
Cost of Insuring a Ford Focus for 16- to 25-Year-Olds
Insurance providers consider your age when calculating your premium for a Ford Focus. Auto insurance for teens tends to be much more expensive than for middle-aged drivers because of their lack of experience.
MoneyGeek found that the average annual rate for a 16-year-old driver with a Ford Focus who purchases a full coverage policy is $6,167, but a 40-year-old driver with the same policy only spends $1,338.
Teen car insurance becomes cheaper each year and steadies when drivers reach their 20s.
Make it a habit to compare rates from different providers if you want to find the cheapest possible Ford Focus car insurance. For example, 16-year-old drivers with a Ford Focus get the lowest premium for full coverage from State Farm at around $3,338 per year. Farmers is the most expensive insurer at an average annual cost of $8,328.
Note that these rates are for an individual policy, and most teens under 18 cannot legally purchase a policy without a parent or guardian as a co-signer. The smarter and more affordable way to get teen car insurance is by including them on a family policy.
How Does Location Affect the Cost of Ford Focus Insurance?
The area where you live may affect your Ford Focus auto insurance premium.
The cost of auto insurance does vary by state, and MoneyGeek found Idaho is the cheapest state to insure a car, while Florida is the most expensive. When shopping for car insurance for your Ford Focus, it helps to have an idea of the most affordable insurers in your location. You can use MoneyGeek’s data to narrow down your choices.
Frequently Asked Questions About Ford Focus Insurance
If you’re looking to insure a Ford Focus, it’s likely you have lots of questions about cost and service quality. MoneyGeek answers the commonly asked ones to give you the key information you need when deciding which insurer to choose.
About Mark Fitzpatrick
