- Ford Focus insurance averages $2,096 per year or around $175 per month, depending on the trim level.
- The Focus ranks 27th out of 31 vehicles in the small car class for insurance affordability.
- The cheapest trim level of Ford Focus to insure is the Electric Hatchback at an estimated $1,904 per year.
- Eliminating full coverage on an older Ford Focus could save the average driver $770 annually, depending on how high the deductibles were and the driver age.
How much are Ford Focus insurance rates?
Ford Focus insurance rates average $2,096 yearly, or about $175 monthly, for a full coverage policy. You can expect to pay approximately $238 more annually to insure a Ford Focus as compared to the average rate for small cars, and $180 less per year than the overall all-vehicle national average of $2,276.
The following chart breaks down average car insurance cost for a 2018 Focus using a range of driver ages, deductible levels, and risk profiles.
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 $7,749 while a 16-year-old female would pay about $7,223. At age 17, males would pay around $7,416 and females $7,162.
How does Focus insurance cost compare?
When compared directly to other small cars, insurance for a 2018 Ford Focus costs $264 more per year than the Honda Civic, $174 more than the Toyota Corolla, $292 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 $2,096 per year for insurance and the class median average cost is $1,858 per year, a difference of $238 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Chrysler Fiat 500 | $1,486 | -$610 |
| 2 | Ford Fiesta | $1,530 | -$566 |
| 3 | Fiat 124 Spider | $1,590 | -$506 |
| 4 | Smart Fortwo | $1,610 | -$486 |
| 5 | Mazda 3 | $1,618 | -$478 |
| 6 | Volkswagen Golf | $1,638 | -$458 |
| 7 | Subaru Impreza | $1,648 | -$448 |
| 8 | Toyota Yaris | $1,656 | -$440 |
| 9 | Chevrolet Spark | $1,658 | -$438 |
| 10 | Honda Fit | $1,662 | -$434 |
| 11 | Hyundai Accent | $1,670 | -$426 |
| 12 | Nissan Sentra | $1,804 | -$292 |
| 13 | Nissan Versa | $1,812 | -$284 |
| 14 | Honda Civic | $1,832 | -$264 |
| 15 | Toyota Prius | $1,894 | -$202 |
| 16 | Volkswagen Beetle | $1,914 | -$182 |
| 17 | Toyota Corolla | $1,922 | -$174 |
| 18 | Hyundai Ioniq | $1,926 | -$170 |
| 19 | Nissan Leaf | $1,932 | -$164 |
| 20 | Chevrolet Sonic | $1,940 | -$156 |
| 21 | Volkswagen GTI | $1,976 | -$120 |
| 22 | Chevrolet Cruze | $1,988 | -$108 |
| 23 | Chevrolet Volt | $2,022 | -$74 |
| 24 | Volkswagen E-Golf | $2,038 | -$58 |
| 25 | Honda Clarity | $2,046 | -$50 |
| 26 | Kia Rio | $2,062 | -$34 |
| 27 | Ford Focus | $2,096 | -- |
| 28 | Hyundai Elantra | $2,114 | $18 |
| 29 | Kia Forte | $2,124 | $28 |
| 30 | Volkswagen Jetta | $2,128 | $32 |
| 31 | Toyota 86 | $2,270 | $174 |
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 October 24, 2025
What is the cheapest Ford Focus insurance?
With Ford Focus insurance rates ranging from $1,904 to $2,456 per year for an average driver, the cheapest model to insure is the Electric Hatchback. The second cheapest model to insure is the S Sedan at $1,904 per year. On average, plan on paying around $159 per month to insure a Focus for full coverage.
The two most expensive models of Ford Focus to insure are the RS Hatchback at $2,456 and the Titanium Sedan at $2,174 per year. Those will cost an extra $552 and $270 per year, respectively, over the lowest cost Electric Hatchback 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Electric Hatchback | $1,904 | $159 |
| S Sedan | $1,904 | $159 |
| SE Sedan | $2,002 | $167 |
| SE Hatchback | $2,058 | $172 |
| SEL Hatchback | $2,058 | $172 |
| SEL Sedan | $2,058 | $172 |
| ST Hatchback | $2,174 | $181 |
| Titanium Hatchback | $2,174 | $181 |
| Titanium Sedan | $2,174 | $181 |
| RS Hatchback | $2,456 | $205 |
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 October 24, 2025
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 $562 on a yearly basis. Even choosing a newer 2016 model may save the average driver $310 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 $1,492 for a 2014 Ford Focus to a high of $2,096 for a 2018 model.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2018 Ford Focus | $2,096 | $175 |
| 2017 Ford Focus | $2,012 | $168 |
| 2016 Ford Focus | $1,786 | $149 |
| 2015 Ford Focus | $1,550 | $129 |
| 2014 Ford Focus | $1,492 | $124 |
| 2013 Ford Focus | $1,534 | $128 |
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 October 24, 2025
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 $770 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 $4,988 for a 19-year-old female driver to a high of $7,749 for a 16-year-old male driver.
Ford Focus insurance for a 17-year-old driver will average from $7,162 for females to $7,416 for males, while 18-year-old drivers will cost around $6,032 for a female driver and $6,475 for a male driver.
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 $1,632 a year in Raleigh, NC, or $1,758 in Charlotte, NC, to more expensive rates such as $3,058 a year in Philadelphia, PA, and $3,054 in Las Vegas, NV.
The cost to insure a Focus in some additional cities include Mesa, AZ, averaging $2,158 per year, Chicago, IL, at $2,266, El Paso, TX, at $2,040, and Albuquerque, NM, at an estimated $2,136.
The chart below details typical Ford Focus insurance rates for thirty larger metro areas in America.
When evaluating Ford Focus insurance cost at the state level, states like Maine ($1,596) and Iowa ($1,698) tend to have cheaper Focus insurance rates, while states like Michigan ($2,524), Louisiana ($2,354), and Rhode Island ($2,566) tend to be higher.
The table below shows average insurance cost for a 2018 Ford Focus in all fifty U.S. states.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $2,050 | $171 |
| Alaska | $1,830 | $153 |
| Arizona | $2,074 | $173 |
| Arkansas | $2,272 | $189 |
| California | $2,518 | $210 |
| Colorado | $2,312 | $193 |
| Connecticut | $2,376 | $198 |
| Delaware | $2,408 | $201 |
| Florida | $2,438 | $203 |
| Georgia | $2,236 | $186 |
| Hawaii | $1,718 | $143 |
| Idaho | $1,764 | $147 |
| Illinois | $2,014 | $168 |
| Indiana | $1,814 | $151 |
| Iowa | $1,698 | $142 |
| Kansas | $2,178 | $182 |
| Kentucky | $2,308 | $192 |
| Louisiana | $2,354 | $196 |
| Maine | $1,596 | $133 |
| Maryland | $2,092 | $174 |
| Massachusetts | $2,340 | $195 |
| Michigan | $2,524 | $210 |
| Minnesota | $1,986 | $166 |
| Mississippi | $2,164 | $180 |
| Missouri | $2,394 | $200 |
| Montana | $2,074 | $173 |
| Nebraska | $1,952 | $163 |
| Nevada | $2,498 | $208 |
| New Hampshire | $1,700 | $142 |
| New Jersey | $2,526 | $211 |
| New Mexico | $1,930 | $161 |
| New York | $2,444 | $204 |
| North Carolina | $1,630 | $136 |
| North Dakota | $1,938 | $162 |
| Ohio | $1,740 | $145 |
| Oklahoma | $2,360 | $197 |
| Oregon | $2,102 | $175 |
| Pennsylvania | $2,142 | $179 |
| Rhode Island | $2,566 | $214 |
| South Carolina | $1,954 | $163 |
| South Dakota | $2,244 | $187 |
| Tennessee | $2,126 | $177 |
| Texas | $2,090 | $174 |
| Utah | $2,012 | $168 |
| Vermont | $1,786 | $149 |
| Virginia | $1,690 | $141 |
| Washington | $2,054 | $171 |
| West Virginia | $2,036 | $170 |
| Wisconsin | $1,766 | $147 |
| Wyoming | $2,032 | $169 |
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 October 24, 2025
