2015 Ford Focus Car Insurance Calculator

Learn and understand how changing risk factors affect the cost of insurance for a 2015 Ford Focus. Customize homeowner status, credit history, policy coverages, and liability limits to learn how each affects rates. Find out instantly if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2015 Ford Focus is $1,516 per year, or about $126 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

$1,516

Cost Per Month

$126

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 2015 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.

$1,516
Average Rate
Your Rate
$1,516

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 2015 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 2015 Ford Focus is $1,516.

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.

2015 Ford Focus vs. the Small Car Segment

The table below compares insurance rates for the 2015 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.

2015 Ford Focus Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Smart Fortwo$1,262-$254
2Honda Fit$1,266-$250
3Scion IQ$1,276-$240
4Toyota Yaris$1,298-$218
5Ford Fiesta$1,316-$200
6Hyundai Accent$1,320-$196
7Nissan Versa$1,334-$182
8Kia Rio5$1,340-$176
9Chrysler Fiat 500$1,342-$174
10Chevrolet Spark$1,370-$146
11Volkswagen Golf$1,392-$124
12Nissan Sentra$1,398-$118
13Toyota Corolla$1,440-$76
14Honda Civic$1,446-$70
15Mazda 3$1,454-$62
16Subaru Impreza$1,458-$58
17Honda CR-Z$1,460-$56
18Chevrolet Sonic$1,468-$48
19Kia Rio$1,488-$28
20Ford Focus$1,516--
2015 Small Car Average$1,518$2
21Hyundai Elantra$1,528$12
22Nissan Leaf$1,534$18
23Toyota Prius$1,542$26
24Volkswagen Beetle$1,586$70
25Chevrolet Volt$1,634$118
26Kia Forte$1,654$138
27Hyundai Veloster$1,666$150
28Volkswagen GTI$1,670$154
29Volkswagen EOS$1,692$176
30Scion FR-S$1,698$182
31Volkswagen E-Golf$1,702$186
32Volkswagen Jetta$1,704$188
33Chevrolet Cruze$1,758$242
34Dodge Dart$1,806$290
35Mitsubishi Lancer$1,886$370
36Scion TC$1,950$434

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.

2015 Focus Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2015 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.

2015 Ford Focus Insurance Rates by Trim Level
2015 Ford Focus Trim Level Annual Premium Cost Per Month
S Sedan$1,408$117
SE Hatchback$1,452$121
SE Sedan$1,452$121
Titanium Hatchback$1,542$129
Titanium Sedan$1,542$129
ST Hatchback$1,588$132
Electric Hatchback$1,620$135

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 2015 Ford Focus for different driver ages.

2015 Ford Focus Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$5,547$462
17$5,298$442
18$4,606$384
19$4,256$355
20$3,229$269
21$3,080$257
22$2,740$228
23$2,304$192
24$2,156$180
25$1,750$146
30$1,598$133
35$1,562$130
40$1,516$126
45$1,426$119
50$1,360$113
55$1,270$106
60$1,270$106
65$1,346$112
70$1,482$124
75$1,778$148
80$2,186$182

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.