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 $2,096 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.

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 October 24, 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$4,840$403
Safe Driver Age 20$4,228$352
At-fault Accidents Age 40$3,004$250
Low Deductibles Age 40$2,620$218
Safe Driver Age 30$2,220$185
Safe Driver Age 40$2,096$175
Safe Driver Age 50$1,878$157
High Deductibles Age 40$1,824$152
Safe Driver Age 60$1,754$146
Discount Rate Age 40$1,740$145

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 October 24, 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 $7,749 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.

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 October 24, 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$1,486-$610
2Ford Fiesta$1,530-$566
3Fiat 124 Spider$1,590-$506
4Smart Fortwo$1,610-$486
5Mazda 3$1,618-$478
6Volkswagen Golf$1,638-$458
7Subaru Impreza$1,648-$448
8Toyota Yaris$1,656-$440
9Chevrolet Spark$1,658-$438
10Honda Fit$1,662-$434
11Hyundai Accent$1,670-$426
12Nissan Sentra$1,804-$292
13Nissan Versa$1,812-$284
14Honda Civic$1,832-$264
15Toyota Prius$1,894-$202
16Volkswagen Beetle$1,914-$182
17Toyota Corolla$1,922-$174
18Hyundai Ioniq$1,926-$170
19Nissan Leaf$1,932-$164
20Chevrolet Sonic$1,940-$156
21Volkswagen GTI$1,976-$120
22Chevrolet Cruze$1,988-$108
23Chevrolet Volt$2,022-$74
24Volkswagen E-Golf$2,038-$58
25Honda Clarity$2,046-$50
26Kia Rio$2,062-$34
27Ford Focus$2,096--
28Hyundai Elantra$2,114$18
29Kia Forte$2,124$28
30Volkswagen Jetta$2,128$32
31Toyota 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 Insurance Rates by 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

Insurance cost by trim level for a 2018 Ford Focus ranging from the Electric Hatchback model at $1,904 per year to the RS Hatchback model at $2,456
Insurance cost by trim level for a 2018 Ford Focus ranging from the Electric Hatchback model at $1,904 per year to the RS Hatchback model at $2,456

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.

Ford Focus Insurance Cost for 2013-2018 Models
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

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 $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 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 October 24, 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$7,749$7,223
17-Year-Old$7,416$7,162
18-Year-Old$6,475$6,032
19-Year-Old$5,956$4,988

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 October 24, 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 $1,632 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.

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 October 24, 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 ($1,596) 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.

2018 Ford Focus Average Insurance Cost by State
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

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