2013 Ford Focus Car Insurance Calculator

See in real-time how changes to driver risk factors and vehicle options affect car insurance rates for a 2013 Ford Focus. Ajust options like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2013 Ford Focus is $1,496 per year, or about $125 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,496

Cost Per Month

$125

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ford Focus Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Ford Focus.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,496
Average Rate
Your Rate
$1,496

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Ford Focus trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Ford Focus is $1,496.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Ford Focus vs. the Small Car Segment

The table below compares insurance rates for the 2013 Ford Focus against all other models in the small car segment. The Ford Focus is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ford Focus, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ford Focus.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Ford Focus Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,032-$464
2Chrysler Fiat 500$1,064-$432
3Mazda 2$1,084-$412
4Nissan Leaf$1,094-$402
5Toyota Matrix$1,106-$390
6Scion IQ$1,128-$368
7Chevrolet Spark$1,192-$304
8Kia Rio5$1,242-$254
9Hyundai Accent$1,254-$242
10Ford Fiesta$1,262-$234
11Chevrolet Sonic$1,274-$222
12Honda Fit$1,276-$220
13Kia Rio$1,300-$196
14Nissan Versa$1,306-$190
15Toyota Yaris$1,322-$174
16Nissan Sentra$1,330-$166
17Hyundai Elantra$1,336-$160
18Honda CR-Z$1,354-$142
19Mazda 3$1,358-$138
2013 Small Car Average$1,362-$134
20Toyota Corolla$1,364-$132
21Honda Civic$1,370-$126
22Volkswagen Beetle$1,380-$116
23Mazda Mazdaspeed 3$1,432-$64
24Volkswagen GTI$1,462-$34
25Dodge Dart$1,466-$30
26Volkswagen Jetta$1,470-$26
27Toyota Prius$1,474-$22
28Chevrolet Cruze$1,480-$16
29Subaru Impreza$1,484-$12
30Kia Forte$1,488-$8
31Volkswagen Golf$1,492-$4
32Ford Focus$1,496--
33Volkswagen EOS$1,508$12
34Hyundai Veloster$1,520$24
35Scion FR-S$1,534$38
36Chevrolet Volt$1,598$102
37Scion TC$1,668$172
38Mitsubishi Lancer$1,742$246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Focus Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Ford Focus.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Ford Focus Insurance Rates by Trim Level
2013 Ford Focus Trim Level Annual Premium Cost Per Month
S Sedan$1,370$114
SE Hatchback$1,450$121
SE Sedan$1,450$121
ST Hatchback$1,530$128
Titanium Sedan$1,530$128
Titanium Hatchback$1,570$131
Electric Hatchback$1,580$132

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Ford Focus for different driver ages.

2013 Ford Focus Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,580$465
17$5,304$442
18$4,564$380
19$4,230$353
20$3,194$266
21$3,045$254
22$2,699$225
23$2,286$191
24$2,133$178
25$1,730$144
30$1,578$132
35$1,548$129
40$1,496$125
45$1,416$118
50$1,350$113
55$1,260$105
60$1,262$105
65$1,336$111
70$1,482$124
75$1,794$150
80$2,212$184

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ford Focus trim levels.