Comprehensive Guide to Insuring a Ford Focus: 2025 Edition

How much does Ford Focus car insurance cost? We compared rates for the 2013 to 2018 model years and trims from the S to the RS to see how insurance rates rank.

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How much are Ford Focus insurance rates?

Ford Focus insurance rates average $2,046 yearly, or about $171 monthly, for a full coverage policy. You can expect to pay approximately $232 more annually to insure a Ford Focus as compared to the average rate for small cars, and $175 less per year than the overall all-vehicle national average of $2,221.

The following chart breaks down average car insurance cost for a 2018 Focus using a range of driver ages, deductible levels, and risk profiles.

Average 2018 Ford Focus insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2018 Ford Focus insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2018 model year Ford Focus with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ford Focus trim levels.

2018 Ford Focus Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,724$394
Safe Driver Age 20$4,128$344
At-fault Accidents Age 40$2,934$245
Low Deductibles Age 40$2,560$213
Safe Driver Age 30$2,166$181
Safe Driver Age 40$2,046$171
Safe Driver Age 50$1,832$153
High Deductibles Age 40$1,780$148
Safe Driver Age 60$1,714$143
Discount Rate Age 40$1,696$141

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2018 Ford Focus trim levels. Updated June 26, 2025

Not shown in the chart above are Focus car insurance rates for teenage drivers.  A 16-year-old male driver with a clean driving record would pay around $7,563 while a 16-year-old female would pay about $7,053. At age 17, males would pay around $7,241 and females $6,993.

How does Focus insurance cost compare?

When compared directly to other small cars, insurance for a 2018 Ford Focus costs $256 more per year than the Honda Civic, $172 more than the Toyota Corolla, $286 more than the Nissan Sentra, and $18 less than the Hyundai Elantra.

The Ford Focus ranks 27th out of 31 total vehicles in the 2018 small car category. The Focus costs an average of $2,046 per year for insurance and the class median average cost is $1,814 per year, a difference of $232 per year.

The chart below shows how well average Focus insurance rates fare against the top 10 most popular compact cars in America. In addition, we also included a more comprehensive table after the chart that displays average insurance cost for all 31 vehicles in the 2018 compact car category.

Average 2018 Ford Focus car insurance premium compared to other small car models.
Figure 2: Average 2018 Ford Focus car insurance premium compared to other small car models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2018 model year Ford Focus. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Ford Focus trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Ford Focus Insurance Cost Compared to All Small Cars
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
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 vehicle from the 2018 model year. Updated June 27, 2025

What is the cheapest Ford Focus insurance?

With Ford Focus insurance rates ranging from $1,858 to $2,396 per year for an average driver, the cheapest model to insure is the S Sedan. The second cheapest model to insure is the Electric Hatchback at $1,860 per year. On average, plan on paying around $155 per month to insure a Focus for full coverage.

The two most expensive models of Ford Focus to insure are the RS Hatchback at $2,396 and the Titanium Sedan at $2,122 per year. Those will cost an extra $538 and $264 per year, respectively, over the lowest cost S Sedan model.

The rate table below details average car insurance rates, including a monthly budget amount, for each Ford Focus model and trim level.

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. Updated June 26, 2025

Insurance cost by trim level for a 2018 Ford Focus ranging from the S Sedan model at $1,858 per year to the RS Hatchback model at $2,396
Insurance cost by trim level for a 2018 Ford Focus ranging from the S Sedan model at $1,858 per year to the RS Hatchback model at $2,396

How much is insurance for a used Ford Focus?

Choosing to drive a 2013 Focus instead of a 2018 model could save as much as $550 on a yearly basis. Even choosing a newer 2016 model may save the average driver $302 each year.

The following data table shows average Ford Focus car insurance rates for different model years. Insurance prices range from the cheapest rate of $1,456 for a 2014 Ford Focus to a high of $2,046 for a 2018 model.

Ford Focus Insurance Cost for 2013-2018 Models
Model Year and Vehicle Annual Premium Cost Per Month
2018 Ford Focus$2,046$171
2017 Ford Focus$1,964$164
2016 Ford Focus$1,744$145
2015 Ford Focus$1,516$126
2014 Ford Focus$1,456$121
2013 Ford Focus$1,496$125

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 Ford Focus trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2018 Ford Focus models
Average annual premium and cost per month to insure 2013 to 2018 Ford Focus models

Eventually, you will need to make the decision to remove coverage for physical damage claims from an insurance policy. As a Ford Focus depreciates over time, the cost of carrying physical damage coverage surpasses any benefits.

Eliminating physical damage coverage on an older Ford Focus may save the average driver $752 annually, depending on the prior deductible level and the age of the driver rated on the vehicle.

How much are Ford Focus insurance rates for teenagers?

Insuring a 2018 Ford Focus for a teenage driver will cost more than other age groups. Average full-coverage insurance prices range from a low of $4,866 for a 19-year-old female driver to a high of $7,563 for a 16-year-old male driver.

Ford Focus insurance for a 17-year-old driver will average from $6,993 for females to $7,241 for males, while 18-year-old drivers will cost around $5,888 for a female driver and $6,321 for a male driver.

Average cost to insure teenage drivers on a 2018 Ford Focus with full coverage.
Figure 3: Average cost to insure teenage drivers on a 2018 Ford Focus with full coverage. Rates updated on June 27, 2025.

Data Methodology: Teenage driver rates are for a 2018 model year Ford Focus with $500 comprehensive and collision deductibles. Rates are averaged across all U.S. states and all Ford Focus trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Ford Focus Insurance Cost for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,563$7,053
17-Year-Old$7,241$6,993
18-Year-Old$6,321$5,888
19-Year-Old$5,817$4,866

Data Methodology: Rated teen drivers have 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. Premium amounts are averaged for all trim levels available on the 2018 Ford Focus. Updated June 27, 2025

Average Ford Focus insurance rates by location

Depending on the city you live in, the insurance cost for a Focus can range from lower rates like $1,596 a year in Raleigh, NC, or $1,720 in Charlotte, NC, to more expensive rates such as $3,022 a year in Philadelphia, PA, and $3,018 in Las Vegas, NV.

The cost to insure a Focus in some additional cities include Mesa, AZ, averaging $2,116 per year, Chicago, IL, at $2,228, El Paso, TX, at $2,000, and Albuquerque, NM, at an estimated $2,096.

The chart below details typical Ford Focus insurance rates for thirty larger metro areas in America.

Average car insurance rates for a 2018 Ford Focus in larger U.S. cities.
Figure 4: Average car insurance rates for a 2018 Ford Focus in larger U.S. cities. Rates updated on June 27, 2025.

Data Methodology: Average car insurance rates for a 2018 Ford Focus assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

When evaluating Ford Focus insurance cost at the state level, states like Maine ($1,558) and Iowa ($1,660) tend to have cheaper Focus insurance rates, while states like Michigan ($2,496), Louisiana ($2,326), and Rhode Island ($2,528) tend to be higher.

The table below shows average insurance cost for a 2018 Ford Focus in all fifty U.S. states.

2018 Ford Focus Average Insurance Cost by State
U.S. State Annual Premium Cost Per Month
Alabama$2,008$167
Alaska$1,794$150
Arizona$2,036$170
Arkansas$2,234$186
California$2,482$207
Colorado$2,274$190
Connecticut$2,336$195
Delaware$2,372$198
Florida$2,408$201
Georgia$2,196$183
Hawaii$1,682$140
Idaho$1,726$144
Illinois$1,976$165
Indiana$1,776$148
Iowa$1,660$138
Kansas$2,140$178
Kentucky$2,270$189
Louisiana$2,326$194
Maine$1,558$130
Maryland$2,056$171
Massachusetts$2,298$192
Michigan$2,496$208
Minnesota$1,948$162
Mississippi$2,124$177
Missouri$2,360$197
Montana$2,038$170
Nebraska$1,912$159
Nevada$2,462$205
New Hampshire$1,660$138
New Jersey$2,482$207
New Mexico$1,894$158
New York$2,404$200
North Carolina$1,592$133
North Dakota$1,900$158
Ohio$1,702$142
Oklahoma$2,322$194
Oregon$2,062$172
Pennsylvania$2,102$175
Rhode Island$2,528$211
South Carolina$1,916$160
South Dakota$2,202$184
Tennessee$2,090$174
Texas$2,054$171
Utah$1,972$164
Vermont$1,746$146
Virginia$1,652$138
Washington$2,016$168
West Virginia$1,998$167
Wisconsin$1,728$144
Wyoming$1,994$166

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated June 27, 2025

Average annual premium and cost per month to insure a 2018 Ford Focus in all 50 U.S. States
Average annual premium and cost per month to insure a 2018 Ford Focus in all 50 U.S. States