The average insurance costs for a Ford Focus is $238 a month or $2,856 a year.With a base price of $16,775, the annual insurance cost–to–base car price ratio is 17.0%, making the Focus an expensive sedan to insure.
Model
Monthly insurance rate
Base car price
C-Max
$238
$36,620
Edge
$173
$25,905
Escape
$178
$22,405
Expedition
$172
$20,000
Explorer
$171
$55,450
F-150
$157
$16,975
F-250
$167
$23,100
F-350
$245
$30,745
F-450
$166
$27,500
Fiesta
$180
$13,660
Flex
$171
$30,025
Focus
$238
$16,775
Fusion
$178
$22,610
GT
$245
$450,000
Mustang
$166
$25,185
Taurus
$173
$27,345
Transit Connect
$172
$23,010
EcoSport
$130
$20,990
To determine our estimated insurance cost, we aggregated quotes from insurance companies using this profile.
2017 Ford Focus
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Good credit
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
The model year
The vehicle’s trim
The amount of coverage you need
The estimated miles driven per year
The vehicle’s safety and anti-theft features
The driver’s credit score
The driver’s location
The driver’s age
The driver’s driving history in the past five years
The driver’s marital status
Your (or the driver’s) gender
Whether the driver rents, leases or owns the vehicle
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 five 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
Seatbelt 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 four stars, out of five, 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.
From the 2013 model year, the Ford Focus was the tenth most stolen new car, according to the National Insurance Crime Bureau. 483 thefts were recorded.
The Ford Focus has been around since 1998 and is currently in its third generation. Ford Focus sales began in the United States in 2000. The compact car is known for its sporty handling, upscale interior and comfortable ride. In 2016, there were over 168,000 sales in the United States.
Bottom line
The Ford Focus ranks right in the middle of our list of the 360 priciest car models to insure. Explore insurance rates to find the best deal for you.
Roslyn McKenna Ayers is insurance manager at ValuePenguin and a former publisher at Finder, specializing in home and auto coverage. Her expertise and analysis has been featured on Bankrate, MSN and Reader's Digest. She holds a BA in writing and communications from Maryville College.
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