Ford Focus insurance group

• How we got this rate

  To generate these quotes we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • Factory fitted alarm system
  • The car is not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a car park during the day
  • The car is parked on a driveway at night
  • Owner is a 30-year-old teacher from London
  • Five years no claims discount
  • No driving or other convictions in the last 5 years

Ford Focus insurance cost by location

The table above shows the average cost of Ford Focus insurance based on insurance groups and driver age, but there are other things that affect the cost of your premium. Your location is also a big factor in determining

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Ford Focus ST 2.0T 250 5dr.

• Expensive: £1,074 (London SE1)
• Average: £902 (Newcastle NE1)
• Cheap: £699 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: March 2021 (source: Quotezone)

Which factors affect my Ford Focus insurance rate?

Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:

• Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. An average 30-year-old may pay £721 for the 1.0-litre Ford Focus Edge 1.0T 100 EcoBoost 5dr, but could pay around £781 for the 1.6-litre diesel Ford Focus Edge 1.6 TDCi 115 5dr.
• Driver location. Where you live helps determine the level of risk that your car may be stolen or you’ll be involved in an accident, and this affects the cost of insurance. For example, a 30-year-old in central London may pay £1,074 for insurance for a Ford Focus ST 2.0T 250 5dr, while the same 30-year-old in Newcastle may only pay £902.
• Driver age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance. The average 20-year-old driver in London may pay £1,689 for the Ford Focus Titanium 1.6T Ecoboost 5dr, while the average 40-year-old Londoner will only pay £885.

Other factors that influence the cost of your insurance include:

• Your marital status
• Your credit history and job
• Your car’s safety rating
• The model and age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity
• No claims discount

How can I save on my Ford Focus premiums?

Whilst car insurance is a must, you don’t want it leaving you with an empty bank account. Understandably, when searching for insurance, you’ll want to find the best deal for a price that’s affordable for you. There are some tricks you can try in order to lower your premium, and we’ve listed them for you below.

• Be economical about your car usage. Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. Whilst it might be scary to part with a large sum of money in one go, by paying annually can save you an average of £139.77 a year.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you could lower your premium.
• Don’t just accept your renewal quote. Although it may seem time consuming, when it’s time for renewal, make sure you shop around and don’t just settle for the renewal price given to you – there may be cheaper options out there!

Ford Focus facts

• The Ford Focus was created to replace the Ford Escort.
• You can go from 0 to 60 mph in between 4.5 -14.4 seconds depending on the model of the car. The Ford Focus can have up to 345 bhp.

How safe is Ford Focus?

When tested by Euro NCAP in 2012, the Ford Focus was given a 5/5 safety rating. The model impressively scored 92% for adult occupant safety, with child occupant safety trailing slightly behind with a score of 82%. Euro NCAP awarded the Ford Focus with four advanced safety rewards for features such as Driver Alert and Forward Alert, as well as Active City Stop, which measures the distance between the front of your car and the car in front to avoid collisions, and Lane Keeping assistance.

As previously mentioned, the safer your car is, the lower your premium is likely to be. It may be worth asking your insurer what extra safety and security features you can add in return for lower premiums.

As standard, the Ford Focus comes with an array of features designed to keep you safe. There is a Seat Belt Reminder device, early warning for flat tires and ESC, or electronic stability control, to constantly monitor your car’s behaviour and keep it from skidding. This car also comes with ABS and Traction Control System to keep your car’s tires gripped to the road.

For full details about optional safety features that you can add to your car, visit the Ford website.

How long does a Ford Focus last?

Depending on the model Ford focuses have been known to last over ten years, or 100,000 miles plus, depending on the vehicle’s history. However, they can last for much longer if properly maintained.

The bottom line

The Ford Focus is a reliable car, but can be expensive to insure depending on your choice of model. Our guide will help you to keep costs down.

Frequently asked questions

• What engine is in a Ford Focus?

  This varies depending on the model you choose. The smallest engine available with a Ford Focus is a 1.0 Litre, with the size then increasing up to a 2.0 engine of varying strengths. The turbocharged RS model can go up to a 2.3 Litre engine.

  You can also choose between petrol and diesel engines, with different levels of performance.

• What is the top speed of the Ford Focus?

  This depends on the model you choose. The standard Ford Focus goes up to around 120mph, but the RS and ST models can go faster than that. You can expect the fastest model to reach speeds of 155mph.

• How safe is the Ford Focus?

  The Ford Focus was awarded 5 stars out of 5 under the Euro NCAP safety analysis. Ford Focus models average across the board with 85% on adult occupant safety and 87% for child occupant safety.

Compare insurance for other Ford models

Last updated: 22 May 2021

Fact checked: 22 May 2021