Best Ford Focus Auto Insurance in 2024 (See the Top 10 Companies Here!)
The best Ford Focus auto insurance are from State Farm, Erie, and Allstate with rates as low as $45 per month. These providers offer the lowest rates and comprehensive coverage. State Farm stands out with their affordability. Compare quotes to secure the best deal for your Ford Focus.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
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UPDATED: Sep 29, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 29, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsThe top pick overall for the best Ford Focus auto insurance are State Farm, Erie, and Allstate, offering rates around $45/month. So what makes these auto insurance companies good?
State Farm excels in affordability, Erie provides outstanding customer service, and Allstate rewards safe drivers.
This article explores why these companies offer the best rates and coverage options for Ford Focus owners, considering factors like safety features and driver profiles.
Our Top 10 Company Picks: Best Ford Focus Auto Insurance
| Company | Rank | Multi-Policy Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Comprehensive Coverage | State Farm |
 | #2 | 15% | A+ | Customer Service | Erie |
 | #3 | 20% | A+ | Safe Driver | Allstate |
 | #4 | 10% | A++ | Military Benefits | USAA |
 | #5 | 25% | A+ | Accident Forgiveness | Nationwide |
 | #6 | 15% | A+ | Customer Service | Amica |
 | #7 | 12% | A | Bundle Savings | Liberty Mutual |
 | #8 | 10% | A | Customized Policies | Farmers |
 | #9 | 13% | A++ | Hybrid Discounts | Travelers |
 | #10 | 10% | A | Teen Discounts | American Family |
You can start comparing quotes for Ford Focus car insurance rates from some of the best car insurance companies by using our free online tool now.
- The best Ford Focus auto insurance providers are State Farm, Erie, and Allstate
- These companies offer exceptional coverage options
- State Farm is the top pick for its affordability and comprehensive coverage.
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#1 – State Farm: Top Overall Pick
Pros
- Affordability: State Farm offers highly competitive rates for Ford Focus auto insurance, often providing the lowest premiums compared to other providers. This affordability makes it an excellent choice for budget-conscious Ford Focus owners looking to minimize their insurance costs.
- Multi-Policy Discounts: State Farm provides substantial discounts when bundling Ford Focus auto insurance with other policies such as home or life insurance. This can lead to significant overall savings for policyholders. For discounts read our State Farm auto insurance discounts.
- Accident-Free Discount: Ford Focus drivers with a clean driving record can benefit from State Farm’s accident-free discount, further reducing their insurance premiums.
Cons
- Inconsistent Customer Service: Some Ford Focus owners have reported varying experiences with State Farm’s customer service, which can be dependent on the local agent. This inconsistency can affect the overall satisfaction with their insurance experience.
- Limited Availability of Discounts: Not all discounts are available in every state, which might limit the potential savings for Ford Focus drivers in certain regions.
#2 – Erie: Best for Customer Service
Pros
- Exceptional Customer Service: Erie is renowned for its top-tier customer service, making it a preferred choice for Ford Focus owners who value personalized and responsive support. This is particularly beneficial when filing claims or making policy changes.
- Comprehensive Coverage Options: Erie offers extensive coverage options tailored to the needs of Ford Focus drivers, including rental car reimbursement and roadside assistance, ensuring comprehensive protection.
- Low Rates: Erie consistently provides some of the lowest rates for Ford Focus auto insurance, making it a cost-effective choice for both minimum and full coverage policies. Read more about their ratings in our Erie auto insurance review.
Cons
- Limited Regional Availability: Erie’s auto insurance policies are not available nationwide, restricting access for Ford Focus owners in certain states.
- Fewer Online Tools: Compared to larger insurers, Erie offers limited online tools for managing policies, which may be inconvenient for tech-savvy Ford Focus owners who prefer digital interactions.
#3 – Allstate: Best for Safe Driver
Pros
- Safe Driver Discounts: Allstate’s Drivewise program rewards Ford Focus drivers for safe driving habits with significant discounts, making it an excellent option for those with a clean driving record.
- Extensive Coverage Options: As mentioned in Allstate auto insurance review they offer a wide range of coverage options for Ford Focus owners, including accident forgiveness and new car replacement, enhancing the value of their policies.
- Financial Stability: Allstate’s strong financial ratings ensure reliable claim settlements, providing peace of mind for Ford Focus drivers in case of an accident.
Cons
- Higher Initial Premiums: Ford Focus owners may find Allstate’s initial premiums to be higher compared to other providers, particularly if they do not qualify for safe driver discounts.
- Complex Discount Programs: The variety of discount programs can be complex to navigate, requiring Ford Focus drivers to carefully manage their policies to maximize savings.
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#4 – USAA: Best for Military Benefits
Pros
- Exclusive Military Benefits: As outlined in our USAA auto insurance review, they offer tailored benefits and discounts for Ford Focus owners who are military members, veterans, or their families, providing unique value and savings.
- High Customer Satisfaction: USAA consistently receives high marks for customer satisfaction, particularly in claims handling and customer support, making it a reliable choice for Ford Focus auto insurance.
- Competitive Rates: USAA offers competitive rates for Ford Focus insurance, especially for members who bundle multiple policies such as home and auto insurance.
Cons
- Eligibility Restrictions: USAA’s insurance policies are only available to military members, veterans, and their families, limiting access to a broader audience of Ford Focus owners.
- Limited Physical Locations: With fewer physical branches compared to larger insurers, Ford Focus owners who prefer in-person service may find this aspect of USAA less convenient.
#5 – Nationwide: Best for Accident Forgiveness
Pros
- Accident Forgiveness Program: Nationwide’s accident forgiveness option can prevent rate increases for Ford Focus owners after their first at-fault accident, providing financial protection and stability.
- Vanishing Deductible: This program rewards Ford Focus drivers for safe driving by reducing their deductible over time, potentially lowering out-of-pocket costs after an accident.
- Comprehensive Online Tools: Nationwide offers robust online tools and resources for Ford Focus owners to manage their policies and file claims conveniently. For more information, read our Nationwide auto insurance review.
Cons
- Higher Premiums: Initial premiums for Ford Focus insurance might be higher with Nationwide compared to other providers, particularly without the application of discounts.
- Service Variability: Customer service experiences can vary widely based on regional offices and representatives, impacting the overall satisfaction of Ford Focus owners.
#6 – Amica: Best for Customer Service
Pros
- Top-Tier Customer Service: Amica is known for its exceptional customer service and high satisfaction ratings, making it a reliable choice for Ford Focus owners who value responsive and personalized support.
- Dividend Policies: Amica offers dividend policies that can return a portion of the premium to Ford Focus owners, potentially reducing overall insurance costs.
- Comprehensive Coverage: Amica provides a broad range of coverage options for Ford Focus drivers, including gap insurance and identity fraud protection, ensuring extensive protection.
Cons
- Limited Availability: Amica’s auto insurance policies are not available in all states, restricting access for some Ford Focus owners. See our page titled “Amica Auto Insurance Discounts” for more information.
- Higher Initial Rates: Initial premiums for Ford Focus insurance with Amica may be higher, although the dividend policy can offset costs over time.
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#7 – Liberty Mutual: Best for Bundle Savings
Pros
- Bundle Discounts: Liberty Mutual offers significant savings when Ford Focus auto insurance is bundled with other policies like home or renters insurance, providing overall cost reductions.
- Flexible Payment Options: As mentioned in our Liberty Mutual auto insurance review, Ford Focus owners can benefit from various payment plans, making it easier to manage their insurance costs.
- Comprehensive Coverage Options: Liberty Mutual provides a wide range of coverage options tailored to Ford Focus drivers, including better car replacement and new car replacement, enhancing policy value.
Cons
- Mixed Customer Reviews: Customer service and claims satisfaction can vary, with some Ford Focus owners reporting less satisfactory experiences.
- Higher Base Premiums: Base premiums for Ford Focus insurance with Liberty Mutual might be higher, making it important to leverage available discounts to reduce costs.
#8 – Farmers: Best for Customized Policies
Pros
- Customizable Coverage: Farmers allows Ford Focus owners to extensively customize their policies, ensuring that their specific insurance needs are met.
- Strong Local Presence: With a robust network of local agents, Farmers provides personalized service and local expertise for Ford Focus drivers. Check out this page Farmers auto insurance review to know more details.
- Discount Opportunities: Various discounts are available for Ford Focus insurance, including multi-policy, safe driver, and new car discounts, contributing to overall savings.
Cons
- Higher Premiums: Premiums for Ford Focus insurance with Farmers can be higher compared to other providers, particularly without the application of multiple discounts.
- Complex Policy Structures: The high level of customization can make policies complex and harder to understand without thorough agent assistance.
#9 – Travelers: Best for Hybrid Discounts
Pros
- Hybrid Vehicle Discounts: Travelers offers specific discounts for Ford Focus hybrid models, promoting eco-friendly driving and cost savings.
- Comprehensive Coverage Options: As outlined in our Travelers auto insurance review, they provide a wide range of coverage options for Ford Focus owners, including gap insurance and accident forgiveness, ensuring extensive protection.
- Strong Financial Stability: High financial ratings ensure reliable claims processing and coverage stability for Ford Focus drivers.
Cons
- Customer Service Variability: Service quality can vary depending on the region and specific agent, impacting the overall satisfaction of Ford Focus owners.
- Higher Rates for Certain Profiles: Premiums might be higher for certain driver profiles, such as younger or high-risk Ford Focus drivers.
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#10 – American Family: Best for Teen Discounts
Pros
- Teen Driver Discounts: American Family offers substantial discounts for teen Ford Focus drivers, making it more affordable for families with young drivers.
- Comprehensive Coverage Options: American Family includes a range of coverage options for Ford Focus owners, such as accident forgiveness and diminishing deductible, enhancing policy value.
- Local Agents: A strong network of local agents provides personalized service and support for Ford Focus owners. (Read More: American Family Auto Insurance Review).
Cons
- Regional Availability: American Family’s auto insurance policies are not available in all states, limiting access for some Ford Focus owners.
- Mixed Customer Reviews: Customer satisfaction can vary, with some Ford Focus owners reporting less favorable experiences with claims and service.
Ford Focus Insurance Cost
The table below compares monthly rates for minimum and full coverage car insurance for a Ford Focus from various providers.
Ford Focus Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $55 | $140 |
| American Family | $49 | $127 |
| Amica | $50 | $128 |
| Erie | $45 | $120 |
| Farmers | $57 | $145 |
| Liberty Mutual | $53 | $138 |
| Nationwide | $52 | $135 |
| State Farm | $50 | $130 |
| Travelers | $51 | $132 |
| USAA | $48 | $125 |
Choosing the right insurance provider can significantly impact your Ford Focus insurance costs, with Erie offering the lowest rates for both minimum and full coverage auto insurance. Compare quotes from these top providers to find the best deal for your specific needs.
Ford Focus Auto Insurance Monthly Rates by Coverage Type
| Category | Rates |
|---|---|
| Average Rate | $111 |
| Discount Rate | $65 |
| High Deductibles | $96 |
| High Risk Driver | $237 |
| Low Deductibles | $140 |
| Teen Driver | $324 |
The Ford Focus insurance rates vary significantly based on deductibles and driver profiles. High-risk and teen drivers face the highest premiums, while higher deductibles can help reduce overall costs.
Ford Focus Rates Comparison
The chart below details how Ford Focus insurance rates compare to other sedans like the Nissan Versa, Subaru Legacy, and Audi S3.
Ford Focus Auto Insurance Monthly Rates vs. Other Vehicles
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| Ford Focus | $20 | $45 | $33 | $111 |
| Nissan Versa | $22 | $45 | $33 | $113 |
| Subaru Legacy | $31 | $42 | $28 | $113 |
| Audi S3 | $30 | $62 | $22 | $123 |
| Toyota Avalon | $27 | $45 | $28 | $111 |
| Cadillac ATS | $25 | $47 | $33 | $118 |
| Ford Fusion | $28 | $52 | $31 | $124 |
The Ford Focus offers competitive insurance rates compared to similar sedans. Its comprehensive and collision coverage rates are generally lower, providing a cost-effective option for drivers. Learn more by read our article titled “What are the recommended auto insurance coverage levels?”.
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Factors that Impacts the Cost of Ford Focus Insurance
The Ford Focus trim and model you choose can significantly impact the total price you will pay for Ford Focus insurance coverage. Higher-end trims with advanced features and technology tend to cost more to insure due to the higher repair costs.
Additionally, models with enhanced safety features may qualify for discounts, reducing the overall insurance premiums.Daniel Walker LICENSED AUTO INSURANCE AGENT
The age of the vehicle also plays a role, as newer models generally have higher insurance costs compared to older ones due to their greater value. It’s best to compare auto insurance rates by vehicle make and model to find the best insurance for your specific needs.
Age of the Vehicle
The cost of insuring a Ford Focus varies significantly based on the age of the vehicle, with older models generally costing less to insure.
Ford Focus Auto Insurance Monthly Rates by Coverage Type
| Vehicle | Comprehensive | Collision | Minimum Coverage | Full Coverage |
|---|---|---|---|---|
| 2024 Ford Focus | $22 | $50 | $35 | $120 |
| 2023 Ford Focus | $21 | $48 | $34 | $118 |
| 2022 Ford Focus | $21 | $47 | $34 | $117 |
| 2021 Ford Focus | $20 | $46 | $33 | $115 |
| 2020 Ford Focus | $20 | $45 | $33 | $113 |
| 2019 Ford Focus | $20 | $45 | $33 | $111 |
| 2018 Ford Focus | $20 | $45 | $33 | $111 |
| 2017 Ford Focus | $20 | $44 | $35 | $111 |
| 2016 Ford Focus | $19 | $42 | $36 | $110 |
| 2015 Ford Focus | $18 | $40 | $37 | $108 |
| 2014 Ford Focus | $17 | $38 | $38 | $106 |
| 2013 Ford Focus | $17 | $35 | $38 | $103 |
| 2012 Ford Focus | $16 | $32 | $38 | $99 |
| 2011 Ford Focus | $15 | $29 | $38 | $96 |
| 2010 Ford Focus | $14 | $27 | $39 | $94 |
As demonstrated in the table, insurance premiums decrease as the Ford Focus ages, with substantial savings seen in older model years.
Driver Age
Driver age can have a significant effect on Ford Focus car insurance rates. For instance, a 30-year-old driver generally pays more each year for their Ford Focus car insurance compared to a 40-year-old driver.
Ford Focus Auto Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 18 | $407 |
| Age: 20 | $345 |
| Age: 30 | $111 |
| Age: 40 | $102 |
| Age: 50 | $95 |
| Age: 60 | $90 |
As drivers age, insurance costs for the Ford Focus decrease, reflecting lower risk and more favorable rates for older drivers.
Driver Location
Ford Focus insurance rates vary widely across U.S. cities, with significant differences in premiums based on location. For example, drivers in Los Angeles face much higher rates compared to those in Columbus.
Ford Focus Auto Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Chicago, IL | $144 |
| Columbus, OH | $125 |
| Houston, TX | $155 |
| Indianapolis, IN | $130 |
| Jacksonville, FL | $145 |
| Los Angeles, CA | $175 |
| New York, NY | $165 |
| Philadelphia, PA | $150 |
| Phoenix, AZ | $140 |
| Seattle, WA | $135 |
Understanding how insurance rates differ by city can help you anticipate costs and find ways to save. Comparing rates from various cities reveals how location can impact your Ford Focus insurance premium.
Your Driving Record
Your driving record can have an impact on your Ford Focus car insurance rates. Teens and drivers in their 20’s see the highest jump in their Ford Focus car insurance with violations on their driving record.
Ford Focus Auto Insurance Monthly Rates by Age & Driving History
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 18 | $407 | $611 | $814 | $509 |
| Age: 20 | $345 | $518 | $690 | $431 |
| Age: 30 | $111 | $167 | $222 | $139 |
| Age: 40 | $102 | $153 | $204 | $128 |
| Age: 50 | $95 | $143 | $190 | $119 |
| Age: 60 | $90 | $135 | $180 | $113 |
Ford Focus insurance prices rise significantly with driving violations and accidents, especially for younger drivers. Maintaining a clean driving record can help keep your insurance costs lower and more manageable.
Ford Focus Safety Ratings
The safety ratings of your Ford Focus play a crucial role in determining your insurance rates. The vehicle scores well in most safety tests, including “Good” ratings in moderate overlap front, side, roof strength, and head restraints.
Ford Focus Safety Ratings
| Type | Rating |
|---|---|
| Small overlap front: driver-side | Acceptable |
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
Overall, the Ford Focus’s strong safety performance can contribute to more favorable insurance rates. A higher safety rating typically helps in reducing the cost of coverage.
Ford Focus Crash Test Ratings
If the Ford Focus crash test ratings are good, you could have lower Ford Focus car insurance rates. See Ford Focus crash test results below:
Ford Focus Crash Test Ratings
| Vehicle | Overall | Frontal | Side | Rollover |
|---|---|---|---|---|
| 2024 Ford Focus | 5 stars | 5 stars | 5 stars | 4 stars |
| 2023 Ford Focus | 5 stars | 5 stars | 5 stars | 4 stars |
| 2022 Ford Focus | 5 stars | 5 stars | 5 stars | 4 stars |
| 2021 Ford Focus | 5 stars | 5 stars | 5 stars | 4 stars |
| 2020 Ford Focus | 5 stars | 5 stars | 5 stars | 4 stars |
| 2019 Ford Focus | 5 stars | 5 stars | 5 stars | 4 stars |
The high crash test ratings of the Ford Focus contribute to potentially lower insurance premiums. Vehicles with better safety ratings often qualify for more favorable insurance rates.
Ford Focus Safety Features
Good Ford Focus safety features can result in insurers giving you car insurance discounts. The safety features for the Ford Focus are:
Ford Escape Hybrid Safety Features
| Feature | Description |
|---|---|
| 4-Wheel ABS | Prevents wheel lockup during braking for better control. |
| 4-Wheel Disc Brakes | Provides strong and reliable stopping power. |
| Blind Spot Monitor | Alerts you to vehicles in your blind spots. |
| Brake Assist | Applies maximum braking force in emergency situations. |
| Child Safety Locks | Prevents children from opening rear doors from inside. |
| Cross-Traffic Alert | Warns of approaching vehicles when reversing. |
| Daytime Running Lights | Increases vehicle visibility during the day. |
| Driver Air Bag | Protects the driver in the event of a collision. |
| Electronic Stability Control | Helps maintain vehicle control on slippery roads. |
| Front Head Air Bag | Protects front passengers during a collision. |
| Front Side Air Bag | Protects front passengers in side-impact crashes. |
| Lane Departure Warning | Alerts you if you unintentionally drift out of your lane. |
| Lane Keeping Assist | Helps keep your vehicle centered in its lane. |
| Passenger Air Bag | Protects the front passenger in a collision. |
| Rear Head Air Bag | Protects rear passengers during a collision. |
| Traction Control | Prevents wheel spin for better grip and stability. |
The Ford Focus’s comprehensive safety features contribute to potential insurance discounts by enhancing vehicle security and driver protection. Its combination of airbags, advanced braking systems, and child safety locks makes it a solid choice for cost-effective insurance coverage.
Ford Focus Insurance Loss Probability
The Ford Focus’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Ford Focus, others are more favorable and lead to lower insurance rates.
Ford Focus Auto Insurance Loss Probability
| Coverage | Loss |
|---|---|
| Collision | 6% |
| Property Damage | -2% |
| Comprehensive | -10% |
| Personal Injury | 3% |
| Medical Payment | 9% |
| Bodily Injury | 11% |
The loss rates for various insurance coverage categories for the Ford Focus show a mixed impact, with collision and bodily injury coverage experiencing higher rates. Comprehensive coverage, however, shows a decrease in loss rate, indicating better performance in reducing insurance claims.
Ford Focus Finance and Insurance Cost
When financing a Ford Focus, most lenders will require you to carry higher coverage options, including comprehensive and collision coverage, to protect their investment. This added requirement ensures that both you and the lender are covered in case of an accident or other damage to the vehicle.
Comprehensive coverage typically includes protection against theft, vandalism, and natural disasters, while collision coverage pays for damages resulting from accidents.
Therefore, it’s crucial to shop around and compare Ford Focus car insurance rates from multiple providers to find the best deal. Using our free online comparison tool can help you quickly obtain quotes from top insurance companies, allowing you to evaluate your options based on coverage, price, and customer reviews.
Ways to Save on Ford Focus Insurance
You have more options at your disposal to save money on your Ford Focus auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Ford Focus car insurance rates
- Move to an area with a lower cost of living.
- Ask about Ford Focus low mileage discounts.
- Remove young drivers from your Ford Focus insurance when they move out or go to school.
- Be picky about who drives your Ford Focus.
- Move to an area with better weather.
These discounts can significantly impact rates by offering savings based on factors helping to lower monthly premiums.
These auto insurance discounts from top insurance providers for Ford Focus offer valuable opportunities for car owners to save money while maintaining comprehensive coverage and safety on the road.
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Top Ford Focus Insurance Companies
So, you might be wondering where to compare auto insurance rates for your Focus. While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Focus auto insurance coverage, ordered by market share:
Ford Focus Auto Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $65,615,190 | 9.3% |
| #2 | Geico | $46,106,971 | 6.6% |
| #3 | Progressive | $39,222,879 | 5.6% |
| #4 | Liberty Mutual | $35,600,051 | 5.1% |
| #5 | Allstate | $35,025,903 | 5% |
| #6 | Travelers | $28,016,966 | 4% |
| #7 | USAA | $23,483,080 | 3.3% |
| #8 | Chubb | $23,388,385 | 3.3% |
| #9 | Farmers | $20,643,559 | 2.9% |
| #10 | Nationwide | $18,442,145 | 2.6% |
Choosing the right auto insurance provider for your Ford Focus can make a significant difference in both your coverage and your premiums. The top companies listed above, including State Farm, Geico, Progressive, and Liberty Mutual, are recognized for their competitive rates and comprehensive coverage options.
Start comparing Ford Focus car insurance quotes for free by using our free online comparison tool below.
Frequently Asked Questions
How much does auto insurance for a Ford Focus cost?
On average, auto insurance rates for a Ford Focus around $111 per month. Mature drivers with good driving records may find lower rates.
Are Ford Focus vehicles expensive to insure?
Ford Focus insurance rates are generally lower compared to the average vehicle. Full coverage for a Ford Focus costs less than the average vehicle.
Read More: Collision vs. Comprehensive Auto Insurance
What factors impact the cost of Ford Focus insurance?
Several factors can affect the cost of Ford Focus insurance, including the driver’s age, location, driving record, and the specific trim and model of the Ford Focus. Find your cheapest auto insurance quotes by entering your ZIP code below into our free comparison tool.
How can I save on Ford Focus insurance?
You can try the following strategies to reduce your Ford Focus auto insurance costs: compare quotes from different insurers, take advantage of discounts, maintain a clean driving record, and choose a higher deductible.
Are there any safety features of the Ford Focus that can lower insurance rates?
Yes, having good safety features in your Ford Focus can lead to lower insurance rates. Some safety features for the Ford Focus include airbags, advanced braking systems, and child safety locks.
What is the best insurance company for Ford Focus?
The best insurance companies for Ford Focus include State Farm, Erie, and Allstate. These companies offer competitive rates and comprehensive coverage options tailored to Ford Focus drivers.
How do driving violations affect Ford Focus insurance rates?
Driving violations, especially for younger drivers, can significantly increase Ford Focus insurance rates. Maintaining a clean driving record helps keep insurance costs lower. For more information, read our article titled “How Auto Insurance Companies Check Driving Records.”
What is the impact of driver age on Ford Focus insurance rates?
Insurance costs for the Ford Focus decrease as drivers age, with younger drivers typically paying more. Older drivers with more experience generally enjoy lower premiums.
How does the age of the Ford Focus vehicle affect insurance rates?
Insurance premiums for a Ford Focus tend to decrease as the vehicle ages. Older models are generally cheaper to insure compared to newer ones due to their lower value. If you’re looking to lower your auto insurance premiums, enter your ZIP code into our free quote comparison tool below to compare your rates against the top insurers.
How do location and city affect Ford Focus insurance premiums?
Insurance rates for the Ford Focus vary widely across different cities. Urban areas with higher traffic and accident rates generally have higher premiums compared to rural areas. Comparing rates from various cities can help find more affordable options.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
