Ford Focus insurance rates

Average Ford Focus insurance rates

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Ford Focus Insurance Finder

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.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare insurance for your Ford Focus

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Geico
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Gabi
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Liberty Mutual
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Clearcover
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

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Ford Focus car insurance rates

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

Case study: Britny’s experience

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Britny 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 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.

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