Cheap Ford Focus car insurance

Ford Focus drivers pay an average of $126 a month for full coverage and $55 a month for state minimum. Ford stopped selling the Focus after 2018, so most drivers shopping today are insuring a used, often paid-off car. Jerry compares 100+ insurers in minutes to find your rate, with no spam calls.

$37

Lowest state minimum quote Jerry has found in the last 30 days, from GEICO

$125

Lowest full coverage quote Jerry has found in the last 30 days, from Bluefire

$227

Average monthly savings for drivers who switch and find savings

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Over the past year, Jerry helped 31,416 Ford Focus drivers find better coverage. The averages on this page come from real Focus policies pulled through our app. Your own rate varies based on your ZIP code, driving history, model year, and trim.

How much does Ford Focus car insurance cost?

Ford Focus drivers spend an average of $94 per month on state minimum car insurance and $176 per month for full coverage. That runs about 17% more than comparable compacts like the Honda Civic and Toyota Corolla, and below the national average of $265 per month across all Jerry drivers. What you actually pay for car insurance depends on your model year, trim, and driving record, broken down in the sections below.

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Which Ford Focus do you drive?

The Focus you’re insuring is almost certainly used, since Ford discontinued this model in the U.S. in 2018, so the trim and powertrain you own affects both your repair costs and the coverage worth carrying. Here’s how the main trims differ.

• Base and mid-level trims (S, SE, SEL, Titanium). Most Focus drivers own one of these. They’re standard compacts with widely available parts, which keeps repair costs and premiums toward the lower end for the model.
• Focus ST. This is the performance trim, with a higher-output engine and pricier parts. Insurers generally quote performance trims higher than comparable base trims.
• Focus Electric (BEV). This battery-electric version was sold in limited quantities from 2012 to 2018. EV repairs and battery components carry their own costs, so BEV quotes can differ from the gas trims in either direction.
• 2012 to 2016 models with the PowerShift transmission. These years used Ford’s DPS6 dual-clutch automatic, sold as PowerShift. Ford settled a class action over it in 2020 following complaints of slipping, shuddering and hesitation. This doesn’t affect your insurance rate, but it can lower resale value and raise repair costs, both of which factor into whether full coverage is still worth buying on an older Focus.

Recent Ford Focus quotes

Jerry makes it simple to see what real drivers with your model and profile are paying today. Here are recent Ford Focus quotes pulled through our app.

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What does the cheapest Ford Focus insurance cost right now?

The lowest Ford Focus quote we’ve found for drivers in the last 30 days is $29 per month for state minimum (GEICO) and $86 per month for full coverage (Nationwide).

That said, even in the same ZIP, two Focus drivers can see rates differ by hundreds a year. Jerry compares car insurance quotes from 100+ leading insurers so you find the best fit for your coverage and budget. Here’s how some of our top carriers compare when it comes to average monthly premiums.

What’s the best car insurance company for a Ford Focus?

There’s no single best car insurance for every Focus owner. Rates are personalized, and the same driver can get very different quotes from one company to the next, so the best company is the one that gives you the lowest price for the coverage you want. This is what makes comparing quotes from multiple carriers so important.

The carriers Jerry quotes most often for Focus drivers include GEICO, Progressive, Allstate, Bristol West, Root, National General and Liberty Mutual. Price is one factor; claims handling and customer service vary between companies too. Each carrier’s review page breaks down how it scores on coverage, cost, and service.

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Ford Focus insurance for young and senior drivers

Teen drivers between 16 and 19 face the highest costs of any age group, as they’re less experienced behind the wheel and are more likely to get into accidents. The average Focus premium for this age group is about $244 per month, which is 23% higher than the average for all Focus drivers. For a teen in a newer Focus, full coverage offers better financial protection.

Car insurance rates for seniors claim again when drivers reach their mid-70s. The average Focus premium for drivers 65 and older is $183 per month, which is 18% higher than the average for all Focus drivers.

Cheapest Ford Focus insurance with a violation

A clean driving record earns the lowest premiums on a Focus. A violation raises your rate by an amount that depends on the type and the carrier. Here’s the average Focus premium by record, versus drivers with a spotless record.

How much does a speeding ticket raise Ford Focus insurance?

A speeding ticket brings the average Focus premium to about  $80 a month. Minor speeding (1 to 10 mph over) raises rates less than going 21+ mph over, and a single minor ticket often has a smaller effect than an accident or DUI.

How much does a DUI raise Ford Focus insurance?

A DUI raises the average Focus premium to an average of  $318 month, or about 3.2x above a clean record, one of the steepest increases of all common violations. Because DUI pricing varies widely between carriers, comparing quotes matters even more with one on your record.

How much does an at-fault accident raise Ford Focus insurance?

An at-fault accident raises the average Focus premium to about $154 a month, which is 21% higher than Focus drivers without an accident. An accident with injuries typically affects your rate more than one without.Other violations such as reckless driving or driving on a suspended license raise rates, too, but the increase varies by state and carrier.

Here are some recent quotes that Jerry has helped find for Focus drivers with an at-fault accident on their record.

How much car insurance do you need for a Ford Focus?

The average cost of Ford Focus insurance is $176 per month for full coverage and $94 for state minimum coverage for Jerry drivers, though your quote varies with model year, trim, record and coverage limits.

State minimum is the least amount of coverage you can legally carry and usually includes bodily injury and property damage liability, sometimes uninsured motorist or PIP. Full coverage adds comprehensive and collision for damage to your own car; a lender will require this on a financed or leased Focus, though few Focuses today are still financed or leased.

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Is a Ford Focus expensive to insure?

No, at an average of $94 per month for Jerry drivers with clean records, a Ford Focus is actually comparable in price to other small sedans. Compared to the national average for other compact models from a similar price range, it is 17% more expensive to insure a Ford Focus, but 23% less expensive than the overall average for all drivers and all vehicles.

Insurers weigh MSRP, trim, model year and repair costs when calculating premiums, which is why two similar-looking compacts can be priced very differently.

Learn more: Average cost of car insurance

Ford Focus safety ratings and features

Insurers factor in crash-test performance and safety equipment. The two main rating bodies are the IIHS, which scores crash protection and crash-avoidance technology, and the NHTSA, whose 5-Star rating reflects frontal, side and rollover tests. The 2012 to 2018 Focus model years scored well with the IIHS.

What affects how much you pay to insure a Ford Focus?

Your Focus premium comes down to your car and your driver profile.

The Focus is a compact vehicle, which keeps its base rates below the all-vehicle average. From there, your model year and trim set how much you pay, and as a high-volume car with widely available parts, its repair costs stay pretty moderate.

The rest depends on your personal profile: things like your age, ZIP code, coverage level and driving record al get factored in. A young or senior driver — or one with a speeding ticket, accident or DUI — generally pays more than a clean-record Focus driver.

Learn more: Cheap car insurance

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Should you keep full coverage on an older Ford Focus?

Whether to keep full coverage on an older Ford Focus comes down to the car’s value against what the coverage costs. If collision and comprehensive run more than about 10 percent of the car’s value each year, many drivers drop them and keep liability. Two cases override that math: a financed or leased Focus requires full coverage, and so does any car you couldn’t afford to replace out of pocket.

To run the check on your own Focus, find its current value with a free tool like Kelley Blue Book, then look up the collision-and-comprehensive portion of your premium on your policy’s declarations page. Divide that annual cost by the car’s value. If the result is roughly 10% or more, dropping those coverages is worth a closer look.

A quote through Jerry can shows your full-coverage and liability-only prices side by side, so you can see the difference for yourself before deciding.

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

• Shop around. Jerry compares quotes from 100+ insurers finds the best price for the same coverage. Once you find one you life, Jerry can lock in a new policy and cancel the old one for you.
• Raise your deductible. A higher deductible lowers your monthly payment, as long as you can cover it if you file a claim.
• Drop full coverage if it no longer pays. On an older, paid-off Focus, see the section above. This is usually the biggest single savings opportunity for this car.
• Research discounts: Nearly all insurance companies offer discounts, but they’re not always advertised and your eligibility may vary from provider to provider. Jerry automatically checks for all available discounts so you don’t miss out on savings.
• Bundle your insurance policies: Bundling your homeowners and auto insurance can unlock additional discounts and lower your overall bill. Jerry can help you buy both policies and save up to 40%, even if you go with two different carriers.

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Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

Our experts

R.E. Fulton

• Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

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Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

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Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

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