Ford Focus Insurance Rates and Comparisons for 2023

• Ford Focus insurance averages $1,700 per year or around $142 per month, depending on the trim level.
• The Focus ranks 27^th 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 $1,542 per year.
• Eliminating full coverage on an older Ford Focus could save the average driver $602 annually, depending on how high the deductibles were and the driver age.

How much are Ford Focus insurance rates?

Ford Focus insurance rates average $1,700 yearly, or about $142 monthly, for a full coverage policy. You can expect to pay approximately $193 more annually to insure a Ford Focus as compared to the average rate for small cars, and $28 less per year than the overall all-vehicle national average of $1,728.

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 $6,438 while a 16-year-old female would pay about $5,686. At age 17, males would pay around $5,928 and females $5,316.

How does Focus insurance cost compare?

When compared directly to other small cars, insurance for a 2018 Ford Focus costs $212 more per year than the Honda Civic, $136 more than the Toyota Corolla, $228 more than the Nissan Sentra, and $22 less than the Hyundai Elantra.

The Ford Focus ranks 27^th out of 31 total vehicles in the 2018 small car category. The Focus costs an average of $1,700 per year for insurance and the class median average cost is $1,507 per year, a difference of $193 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.

What is the cheapest Ford Focus insurance?

With Ford Focus insurance rates ranging from $1,542 to $1,990 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 $1,554 per year. On average, plan on paying around $129 per month to insure a Focus for full coverage.

The two most expensive models of Ford Focus to insure are the RS Hatchback at $1,990 and the Titanium Sedan at $1,766 per year. Those will cost an extra $448 and $224 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.

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 $418 on a yearly basis. Even choosing a newer 2016 model may save the average driver $216 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 $1,240 for a 2014 Ford Focus to a high of $1,700 for a 2018 model.

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 $602 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 $4,372 for a 19-year-old female driver to a high of $6,438 for a 16-year-old male driver.

Ford Focus insurance for a 17-year-old driver will average from $5,316 for females to $5,928 for males, while 18-year-old drivers will cost around $4,764 for a female driver and $5,500 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 $1,074 a year in Raleigh, NC, or $1,208 in Charlotte, NC, to more expensive rates such as $2,628 a year in Philadelphia, PA, and $2,624 in Las Vegas, NV.

The cost to insure a Focus in some additional cities include Mesa, AZ, averaging $1,644 per year, Chicago, IL, at $1,764, El Paso, TX, at $1,514, and Albuquerque, NM, at an estimated $1,624.

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 ($1,034) and Iowa ($1,146) tend to have cheaper Focus insurance rates, while states like Michigan ($2,290), Louisiana ($2,004), and Rhode Island ($2,092) tend to be higher.

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