Ford Focus Insurance Rates and Comparisons for 2022

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 $1,526 yearly, or about $127 monthly, for a full coverage policy. You can expect to pay approximately $175 more annually to insure a Ford Focus as compared to the average rate for small cars, and $41 less per year than the overall all-vehicle national average of $1,567.

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

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Chart Data Details: 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. Physical damage 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.Data last updated on August 29, 2022
Ford Focus Car Insurance Rates
Ford Focus Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,472$289
Safe Driver Age 20$3,036$253
At-fault Accidents Age 40$2,180$182
Low Deductibles Age 40$1,908$159
Safe Driver Age 30$1,588$132
Safe Driver Age 40$1,526$127
Safe Driver Age 50$1,392$116
Safe Driver Age 60$1,368$114
High Deductibles Age 40$1,330$111
Discount Rate Age 40$1,264$105

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 $5,736 while a 16-year-old female would pay about $5,064. At age 17, males would pay around $5,288 and females $4,738.

How does Focus insurance cost compare?

When compared directly to other small cars, insurance for a 2018 Ford Focus costs $194 more per year than the Honda Civic, $126 more than the Toyota Corolla, $206 more than the Nissan Sentra, and $12 less than the Hyundai Elantra.

The Ford Focus ranks #27 out of 31 total vehicles in the 2018 small car category. The Focus costs an average of $1,526 per year for insurance and the class median average cost is $1,351 per year, a difference of $175 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2018 model year Ford Focus, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford Focus trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 29, 2022
Insurance Cost Comparison: Ford Focus vs Top 10 Small Cars
Ford Focus Insurance Cost Compared to All Small Cars
Rank Make/Model Insurance Cost Difference
1Chrysler Fiat 500$1,080-$446
2Ford Fiesta$1,112-$414
3Fiat 124 Spider$1,154-$372
4Mazda 3$1,156-$370
5Smart Fortwo$1,170-$356
6Volkswagen Golf$1,190-$336
7Subaru Impreza$1,200-$326
8Honda Fit$1,200-$326
9Chevrolet Spark$1,200-$326
10Toyota Yaris$1,204-$322
11Hyundai Accent$1,216-$310
12Nissan Sentra$1,320-$206
13Nissan Versa$1,322-$204
14Honda Civic$1,332-$194
15Toyota Prius$1,376-$150
16Volkswagen Beetle$1,390-$136
17Toyota Corolla$1,400-$126
18Hyundai Ioniq$1,400-$126
19Nissan Leaf$1,406-$120
20Chevrolet Sonic$1,414-$112
21Volkswagen GTI$1,434-$92
22Chevrolet Cruze$1,442-$84
23Chevrolet Volt$1,470-$56
24Volkswagen E-Golf$1,482-$44
25Honda Clarity$1,502-$24
26Kia Rio$1,504-$22
27Ford Focus$1,526--
28Hyundai Elantra$1,538$12
29Kia Forte$1,546$20
30Volkswagen Jetta$1,550$24
31Toyota 86$1,652$126

What is the cheapest Ford Focus insurance?

With Ford Focus insurance rates ranging from $1,382 to $1,802 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 $1,390 per year. On average, plan on paying around $115 per month to insure a Focus for full coverage.

The two most expensive models of Ford Focus to insure are the RS Hatchback at $1,802 and the Titanium Sedan at $1,582 per year. Those will cost an extra $420 and $200 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 Cost by Trim Level
Ford Focus Trim Level Annual Policy 6-month Policy Per Month
Electric Hatchback$1,382$691$115
S Sedan$1,390$695$116
SE Sedan$1,460$730$122
SE Hatchback$1,500$750$125
SEL Hatchback$1,500$750$125
SEL Sedan$1,500$750$125
ST Hatchback$1,582$791$132
Titanium Hatchback$1,582$791$132
Titanium Sedan$1,582$791$132
RS Hatchback$1,802$901$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Ford Focus, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 29, 2022
Ford Focus Insurance Cost by Trim Level

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 $370 on a yearly basis. Even choosing a newer 2016 model may save the average driver $186 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 $1,126 for a 2014 Ford Focus to a high of $1,526 for a 2018 model.

Ford Focus Insurance Cost for 2013-2018 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2018 Ford Focus$1,526$763$127
2017 Ford Focus$1,480$740$123
2016 Ford Focus$1,340$670$112
2015 Ford Focus$1,182$591$99
2014 Ford Focus$1,126$563$94
2013 Ford Focus$1,156$578$96

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 29, 2022
Ford Focus Insurance Cost by Model Year

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 $554 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 $3,906 for a 19-year-old female driver to a high of $5,736 for a 16-year-old male driver.

Ford Focus insurance for a 17-year-old driver will average from $4,738 for females to $5,288 for males, while 18-year-old drivers will cost around $4,254 for a female driver and $4,910 for a male driver.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for a 2018 model year Ford Focus with $500 physical damage deductibles. Rates are averaged across all U.S. states and all Ford Focus trim levels.Data last updated on August 29, 2022
Ford Focus Insurance Rates for Teenagers
Ford Focus Insurance Cost for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$5,736$5,288$4,910$4,390
Female$5,064$4,738$4,254$3,906

Which locations have the cheapest Focus insurance?

Depending on the city you live in, the insurance cost for a Focus can range from lower rates like $950 a year in Raleigh, NC, or $1,092 in Charlotte, NC, to more expensive rates such as $2,540 a year in Philadelphia, PA, and $2,534 in Las Vegas, NV.

The cost to insure a Focus in some additional cities include Mesa, AZ, averaging $1,534 per year, Chicago, IL, at $1,658, El Paso, TX, at $1,404, and Albuquerque, NM, at an estimated $1,512.

The chart below details typical Ford Focus insurance rates for 15 larger metro areas in America. After the chart, you will see an expanded table that shows estimated rates for the top 50 cities.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2018 Ford Focus, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Ford Focus trim levels.Data last updated on August 29, 2022
Ford Focus Insurance Rates in Large U.S. Cities
Ford Focus Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$5,976$498
New Orleans, LA$3,570$298
Miami, FL$2,948$246
New York, NY$2,882$240
Philadelphia, PA$2,540$212
Las Vegas, NV$2,534$211
Los Angeles, CA$2,530$211
Louisville, KY$2,424$202
San Francisco, CA$2,176$181
Jacksonville, FL$2,164$180
Oakland, CA$2,162$180
Sacramento, CA$2,046$171
Baltimore, MD$1,998$167
Long Beach, CA$1,980$165
Tulsa, OK$1,938$162
Oklahoma City, OK$1,922$160
Kansas City, MO$1,922$160
Denver, CO$1,884$157
Memphis, TN$1,884$157
Atlanta, GA$1,858$155
Colorado Springs, CO$1,840$153
Fresno, CA$1,814$151
San Jose, CA$1,802$150
Phoenix, AZ$1,750$146
Portland, OR$1,730$144
San Diego, CA$1,716$143
Boston, MA$1,712$143
Wichita, KS$1,664$139
Chicago, IL$1,658$138
Dallas, TX$1,628$136
Houston, TX$1,620$135
Seattle, WA$1,618$135
Minneapolis, MN$1,606$134
Birmingham, AL$1,600$133
Nashville, TN$1,550$129
Milwaukee, WI$1,542$129
Mesa, AZ$1,534$128
Indianapolis, IN$1,532$128
Albuquerque, NM$1,512$126
Tucson, AZ$1,478$123
San Antonio, TX$1,460$122
Omaha, NE$1,416$118
Fort Worth, TX$1,410$118
El Paso, TX$1,404$117
Austin, TX$1,388$116
Cleveland, OH$1,208$101
Columbus, OH$1,148$96
Charlotte, NC$1,092$91
Virginia Beach, VA$1,024$85
Raleigh, NC$950$79

How much is Focus insurance in my state?

When evaluating Ford Focus insurance cost at the state level, states like Maine ($1,056) and Iowa ($1,102) tend to have cheaper Focus insurance rates, while states like Michigan ($2,428), Louisiana ($2,210), and Rhode Island ($1,796) tend to be higher.

States like West Virginia, South Dakota, and Oregon tend to have insurance prices that are closer to average, with Ford Focus insurance rates of $1,372, $1,382, and $1,278 per year, respectively.

Ford Focus Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,244$622$104
Alaska$1,338$669$112
Arizona$1,360$680$113
Arkansas$1,632$816$136
California$1,748$874$146
Colorado$1,626$813$136
Connecticut$1,478$739$123
Delaware$1,550$775$129
Florida$2,228$1,114$186
Georgia$1,476$738$123
Hawaii$1,036$518$86
Idaho$1,206$603$101
Illinois$1,230$615$103
Indiana$1,140$570$95
Iowa$1,102$551$92
Kansas$1,532$766$128
Kentucky$1,774$887$148
Louisiana$2,210$1,105$184
Maine$1,056$528$88
Maryland$1,378$689$115
Massachusetts$1,248$624$104
Michigan$2,428$1,214$202
Minnesota$1,342$671$112
Mississippi$1,438$719$120
Missouri$1,618$809$135
Montana$1,488$744$124
Nebraska$1,458$729$122
Nevada$1,674$837$140
New Hampshire$918$459$77
New Jersey$1,438$719$120
New Mexico$1,220$610$102
New York$1,624$812$135
North Carolina$970$485$81
North Dakota$1,270$635$106
Ohio$888$444$74
Oklahoma$1,484$742$124
Oregon$1,278$639$107
Pennsylvania$1,284$642$107
Rhode Island$1,796$898$150
South Carolina$1,406$703$117
South Dakota$1,382$691$115
Tennessee$1,208$604$101
Texas$1,436$718$120
Utah$1,260$630$105
Vermont$1,012$506$84
Virginia$984$492$82
Washington$1,160$580$97
West Virginia$1,372$686$114
Wisconsin$1,036$518$86
Wyoming$1,400$700$117

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Ford Focus, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Ford Focus trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on August 29, 2022
Ford Focus insurance rates by U.S. state