Ford Focus Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Is Ford Focus expensive to insure?
Ford Focus is neither the most expensive nor the cheapest car to insure. It's somewhere in the middle of the road if we go by national statistics, though some companies may rate it a bit higher or a bit lower depending on your location and individual driving record.
What insurance Group is a Ford Focus in?
A Ford Focus is usually placed in insurance group 12, which covers other cars like the Vauxhall Astra and Audi A3. This will depend on the specifications of the car, for example, if it has additional features like air-conditioning or leather seats. It may be less expensive to insure a Ford Focus with certain modifications, but before buying any car, you should always run through the insurance groups, so you know roughly what to expect your annual insurance cost to be.
How much does it cost to insure a 2012 Ford Focus?
Average insurance rates for a 2012 Ford Focus are upwards of $1,400.00 per year.
How much is insurance on a Ford Focus 2007?
Average insurance rates for a 2007 Ford Focus are $1,008 a year with full coverage.
Ford Focus Trims Available
| Ford Focus Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| Electric Hatchback | $1452 | $727 | $122 |
| S Sedan | $1473 | $746 | $124 |
| SE Sedan | $1536 | $764 | $127 |
| SE Hatchback | $1557 | $789 | $130 |
| SEL Hatchback | $1570 | $778 | $130 |
| SEL Sedan | $1562 | $779 | $130 |
| ST Hatchback | $1638 | $832 | $136 |
| Titanium Hatchback | $1638 | $821 | $138 |
| Titanium Sedan | $1644 | $834 | $137 |
| RS Hatchback | $1906 | $955 | $160 |
Cost Summary
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $3658 | $305 |
| Safe Driver Age 20 | $3221 | $266 |
| At-fault Accidents Age 40 | $2296 | $191 |
| Low Deductibles Age 40 | $2028 | $167 |
| Safe Driver Age 30 | $1678 | $138 |
| Safe Driver Age 40 | $1597 | $133 |
| Safe Driver Age 50 | $1464 | $122 |
| Safe Driver Age 60 | $1443 | $120 |
| High Deductibles Age 40 | $1385 | $116 |
| Discount Rate Age 40 | $1315 | $110 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Ford Focus | $237 | $528 | $416 | $1331 |
| 2017 Ford Focus | $230 | $501 | $429 | $1325 |
| 2016 Ford Focus | $218 | $486 | $443 | $1317 |
| 2015 Ford Focus | $208 | $449 | $458 | $1263 |
| 2014 Ford Focus | $199 | $428 | $459 | $1235 |
| 2013 Ford Focus | $193 | $383 | $463 | $1194 |
| 2012 Ford Focus | $180 | $348 | $462 | $1142 |
| 2011 Ford Focus | $172 | $327 | $466 | $1117 |
| 2010 Ford Focus | $169 | $307 | $474 | $1103 |
| 2009 Ford Focus | $157 | $283 | $479 | $1071 |
| 2008 Ford Focus | $149 | $257 | $484 | $1053 |
| 2007 Ford Focus | $141 | $236 | $475 | $1019 |
| 2006 Ford Focus | $133 | $215 | $480 | $990 |
| 2005 Ford Focus | $128 | $193 | $467 | $959 |
| 2004 Ford Focus | $127 | $188 | $465 | $928 |
| 2003 Ford Focus | $125 | $180 | $453 | $912 |
| 2002 Ford Focus | $114 | $170 | $449 | $884 |
| 2001 Ford Focus | $111 | $162 | $444 | $880 |
Crash Tests Ratings
| Vehicle Tested | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2018 Ford Focus RS 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2018 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2018 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Focus RS 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2017 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2017 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Focus RS 5 HB AWD | N/R | N/R | N/R | N/R |
| 2016 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2016 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2016 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2015 Ford Focus Bev 5 HB FWD | N/R | N/R | N/R | 5 stars |
| 2015 Ford Focus 5 HB FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2015 Ford Focus 4 DR FWD | 5 stars | 5 stars | 5 stars | 4 stars |
| 2014 Ford Focus 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2014 Ford Focus 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Ford Focus BEV 5 HB FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2013 Ford Focus 5 HB FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2013 Ford Focus 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2012 Ford Focus 5 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2012 Ford Focus 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2011 Ford Focus 4 DR FWD | N/R | N/R | N/R | 4 stars |
| 2011 Ford Focus 2 DR FWD | N/R | N/R | N/R | 4 stars |
Cost by Location
| City/State | Annual Rate | Monthly Rate |
|---|---|---|
| Detroit, MI | $6210 | $520 |
| New Orleans, LA | $3728 | $309 |
| Miami, FL | $3054 | $255 |
| New York, NY | $2975 | $248 |
| Philadelphia, PA | $2611 | $221 |
| Las Vegas, NV | $2638 | $217 |
| Los Angeles, CA | $2638 | $218 |
| Louisville, KY | $2522 | $209 |
| San Francisco, CA | $2244 | $187 |
| Oakland, CA | $2216 | $187 |
| Sacramento, CA | $2096 | $176 |
| Baltimore, MD | $2077 | $171 |
| Long Beach, CA | $2040 | $171 |
| Tulsa, OK | $2015 | $168 |
| Oklahoma City, OK | $1981 | $167 |
| Kansas City, MO | $1999 | $165 |
| Denver, CO | $1938 | $162 |
| Memphis, TN | $1932 | $161 |
| Atlanta, GA | $1920 | $160 |
| Colorado Springs, CO | $1900 | $158 |
| Fresno, CA | $1856 | $156 |
| San Jose, CA | $1847 | $154 |
| Phoenix, AZ | $1811 | $151 |
| Portland, OR | $1787 | $146 |
| San Diego, CA | $1773 | $148 |
| Jacksonville, FL | $1768 | $147 |
| Boston, MA | $1767 | $146 |
| Chicago, IL | $1707 | $140 |
| Wichita, KS | $1703 | $142 |
| Dallas, TX | $1659 | $140 |
| Houston, TX | $1678 | $140 |
| Seattle, WA | $1643 | $138 |
| Minneapolis, MN | $1647 | $138 |
| Nashville, TN | $1574 | $132 |
| Indianapolis, IN | $1572 | $133 |
| Milwaukee, WI | $1565 | $131 |
| Mesa, AZ | $1562 | $131 |
| Albuquerque, NM | $1552 | $128 |
| Tucson, AZ | $1505 | $125 |
| San Antonio, TX | $1501 | $125 |
| Omaha, NE | $1458 | $120 |
| Fort Worth, TX | $1425 | $119 |
| El Paso, TX | $1439 | $120 |
| Austin, TX | $1419 | $118 |
| Cleveland, OH | $1239 | $102 |
| Columbus, OH | $1167 | $97 |
| Charlotte, NC | $1100 | $92 |
| Virginia Beach, VA | $1029 | $87 |
| Raleigh, NC | $948 | $80 |
Cost by State
| U.S. State | Annual Cost | 6-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1337 | $669 | $113 |
| Alaska | $1270 | $626 | $106 |
| Arizona | $1452 | $725 | $121 |
| Arkansas | $1533 | $774 | $129 |
| California | $1782 | $883 | $148 |
| Colorado | $1720 | $856 | $143 |
| Connecticut | $1759 | $878 | $145 |
| Delaware | $1721 | $867 | $145 |
| Florida | $2162 | $1083 | $179 |
| Georgia | $1659 | $833 | $137 |
| Hawaii | $1271 | $638 | $106 |
| Idaho | $1067 | $535 | $90 |
| Illinois | $1132 | $566 | $94 |
| Indiana | $1168 | $581 | $98 |
| Iowa | $1066 | $529 | $89 |
| Kansas | $1387 | $695 | $116 |
| Kentucky | $1795 | $906 | $152 |
| Louisiana | $2378 | $1175 | $197 |
| Maine | $1021 | $510 | $85 |
| Maryland | $1482 | $738 | $123 |
| Massachusetts | $1338 | $672 | $112 |
| Michigan | $2848 | $1433 | $237 |
| Minnesota | $1420 | $715 | $120 |
| Mississippi | $1438 | $714 | $119 |
| Missouri | $1395 | $702 | $116 |
| Montana | $1476 | $740 | $122 |
| Nebraska | $1264 | $631 | $106 |
| Nevada | $1796 | $890 | $150 |
| New Hampshire | $1161 | $576 | $97 |
| New Jersey | $1551 | $784 | $131 |
| New Mexico | $1396 | $695 | $116 |
| New York | $1767 | $886 | $149 |
| North Carolina | $1077 | $542 | $90 |
| North Dakota | $1229 | $611 | $102 |
| Ohio | $1080 | $534 | $89 |
| Oklahoma | $1709 | $862 | $143 |
| Oregon | $1401 | $710 | $118 |
| Pennsylvania | $1425 | $710 | $117 |
| Rhode Island | $1906 | $959 | $160 |
| South Carolina | $1476 | $748 | $124 |
| South Dakota | $1319 | $661 | $110 |
| Tennessee | $1323 | $659 | $111 |
| Texas | $1543 | $775 | $129 |
| Utah | $1301 | $651 | $109 |
| Vermont | $1106 | $558 | $93 |
| Virginia | $1030 | $518 | $86 |
| Washington | $1253 | $636 | $105 |
| West Virginia | $1424 | $704 | $118 |
| Wisconsin | $1177 | $589 | $97 |
| Wyoming | $1437 | $714 | $118 |
Diversity
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 11.9% |
| Property damage | 41.7% |
| Comprehensive | -7.0% |
| Personal injury | 63.7% |
| Medical payment | 67.6% |
| Bodily injury | 65.6% |
Other Ford models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
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