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Ford Focus insurance rates

Average Ford Focus insurance rates

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Ford Focus

The average insurance costs for a Ford Focus is $180 a month or $2,160 a year. With a base price of $17,678, the annual insurance cost–to–base car price ratio is 12.22%, making the Focus an expensive sedan to insure.

Compare free car insurance quotes online for your Ford Focus

Name Product Roadside assistance Third-Party Liability Collision Coverage Comprehensive Coverage Discounts Available Available Provinces
Surex Auto Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Ontario, Saskatchewan, Yukon
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Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
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Case study: Britny’s experience

Britny Lawhorn profile photoBritny Lawhorn
Assistant Publisher

When I purchased my 2014 Ford Focus SE, it was important to me to search for the best insurance rate.

I was surprised to learn that the Ford Focus has one of the lowest depreciation values compared to other cars. But that also meant my rates wouldn’t lower as quickly as other cars over time.

It has consistently high safety ratings due to features like the AdvanceTrac ESC and antitheft system which helped lower my premium cost.

I found it useful to ask providers about any partnerships or other discount opportunities that might be available. I took advantage of a college alumni discount, and saved money by telling my provider that I drove less than 5 miles to work daily.

Ford Focus money-saving safety features

You could save money on car insurance for your Ford Focus if it comes equipped with these safety features.

  • Anti-lock brakes
  • Stability control
  • Airbags
  • Seat belt pretensioners
  • Anti theft system

How safe is the Ford Focus?

The 2017 model of the Ford Focus has been evaluated by the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) for safety ratings. The Ford Focus was awarded 4 out of 5 stars for the rollover crash test and frontal crash test by the NHTSA. The latest model as awarded a 5-Star Overall Safety Rating by the NHTSA.

According to the IIHS, the small overlap front test of Ford Focus was rated as acceptable, while the other crash tests were deemed good, the highest rating possible. The Ford Focus has side airbags and a driver knee airbag to protect the passengers during collisions. The latest model also features antilock brakes and rollover sensor to provide more safety for the passengers. Learn more about car safety ratings in our guide.

About the Ford Focus

The Ford Focus has been around since 1998 and entered into its fourth generation in 2018. However, Ford discontinued North American production of the Focus in 2018, although it continues to sell the vehicle in European and Asian markets. The compact car is known for its sporty handling, upscale interior and comfortable ride. Between 2012 and 2018, there were over 135,000 sales in Canada alone.

Wondering how to finance your new Ford? Check out our guide to Ford financing to learn more about your options.

Bottom line

Although the Focus has been discontinued in Canada and the US, it’ll likely remain on the roads for some time. Compare your options to find the type of coverage you need, and remember that using extra safety features and keeping a clean driving record can help you land a discounted premium.

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