2018 Ford Focus Car Insurance Calculator

Discover how different risk factors impact the cost of insurance for a 2018 Ford Focus. Customize liability limits, policy deductibles, driver age, and policy discounts to learn how each affects rates. Instantly know if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2018 Ford Focus is $2,046 per year, or about $171 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

$2,046

Cost Per Month

$171

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 2018 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.

$2,046
Average Rate
Your Rate
$2,046

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 2018 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 2018 Ford Focus is $2,046.

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.

2018 Ford Focus vs. the Small Car Segment

The table below compares insurance rates for the 2018 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.

2018 Ford Focus Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chrysler Fiat 500$1,452-$594
2Ford Fiesta$1,496-$550
3Fiat 124 Spider$1,552-$494
4Smart Fortwo$1,570-$476
5Mazda 3$1,580-$466
6Volkswagen Golf$1,600-$446
7Subaru Impreza$1,610-$436
8Toyota Yaris$1,614-$432
9Chevrolet Spark$1,618-$428
10Honda Fit$1,622-$424
11Hyundai Accent$1,630-$416
12Nissan Sentra$1,760-$286
13Nissan Versa$1,768-$278
14Honda Civic$1,790-$256
2018 Small Car Average$1,814-$232
15Toyota Prius$1,850-$196
16Volkswagen Beetle$1,868-$178
17Toyota Corolla$1,874-$172
18Hyundai Ioniq$1,880-$166
19Nissan Leaf$1,886-$160
20Chevrolet Sonic$1,894-$152
21Volkswagen GTI$1,930-$116
22Chevrolet Cruze$1,940-$106
23Chevrolet Volt$1,972-$74
24Volkswagen E-Golf$1,988-$58
25Honda Clarity$1,998-$48
26Kia Rio$2,014-$32
27Ford Focus$2,046--
28Hyundai Elantra$2,064$18
29Kia Forte$2,072$26
30Volkswagen Jetta$2,078$32
31Toyota 86$2,214$168

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.

2018 Focus Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Ford Focus Insurance Rates by Trim Level
2018 Ford Focus Trim Level Annual Premium Cost Per Month
S Sedan$1,858$155
Electric Hatchback$1,860$155
SE Sedan$1,954$163
SE Hatchback$2,010$168
SEL Hatchback$2,010$168
SEL Sedan$2,010$168
ST Hatchback$2,122$177
Titanium Hatchback$2,122$177
Titanium Sedan$2,122$177
RS Hatchback$2,396$200

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 2018 Ford Focus for different driver ages.

2018 Ford Focus Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,563$630
17$7,241$603
18$6,321$527
19$5,817$485
20$4,412$368
21$4,205$350
22$3,736$311
23$3,124$260
24$2,927$244
25$2,372$198
30$2,166$181
35$2,110$176
40$2,046$171
45$1,930$161
50$1,832$153
55$1,710$143
60$1,714$143
65$1,824$152
70$2,008$167
75$2,408$201
80$2,972$248

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.