Cheap Ford Focus car insurance

Ford Focus drivers pay an average of $274 a month for full coverage and $154 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$37

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

$129

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

$217

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. By analyzing real Focus policies, we know what owners actually buy and what you can expect to pay at each level of protection. These are benchmarks, but your exact rate depends on factors like your ZIP code, driving history, model year and trim.

How much does Ford Focus car insurance cost?

On average, Ford Focus drivers spend $94 per month on state minimum car insurance and $176 per month for full coverage. Compared to other compact cars like the Honda Civic, Acura Integra, and Kia Sportage, the Ford Focus is 17% more expensive to insure, but it still sits below the national average of $265 per month for all Jerry drivers.

Your car insurance pricing depends heavily on your driver profile. Many factors play a role in determining your Ford Focus insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes.

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.

Drivers who switch with Jerry save an average of $54/mo on car insurance.

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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.

Looking for another model or curious how Focus pricing compares? See our overall Ford page to learn more.

Jerry makes it hassle-free to save on car insurance.

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What’s the best insurance for a Ford Focus?

There’s no single best insurance company for all Ford Focus owners, as car insurance rates are highly personalized and every insurance company uses a slightly different algorithm to calculate your premiums. But that said, Jerry can still find the best car insurance company for you.

Jerry conducted the largest survey in the nation to help drivers compare car insurance companies. Check out how drivers rated different insurance companies below.

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, but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels and more.

It’s important to note that if your Focus is financed or leased, your lender will typically require you to carry full coverage. And even on a paid-off car, Jerry recommends considering at least 100/300/100 liability with collision and comprehensive.

• Minimum coverage insurance is the lowest amount of insurance coverage you can legally have on your vehicle in your state. In most states, minimum coverage includes bodily injury liability and property damage liability insurance, but others may also require uninsured motorist and personal injury protection (PIP) coverage.
• Full coverage insurance includes additional coverages on top of your liability insurance that aren’t required by the state. Most full coverage policies include comprehensive and collision coverage to pay for damages to your vehicle in collision and non-collision related events—and may be required by lenders if you’re leasing or financing your vehicle.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Jerry pulls up to 20 quotes from top rated carriers.

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Is a Ford Focus expensive to insure?

Ford Focus insurance costs an average of $94 per month for Jerry drivers with clean records. Compared to the national average for other compact models from a similar price range, it is 17% more expensive to insure a Ford Focus.

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

More: Average cost of car insurance

Ford Focus safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums.

The two best-known vehicle safety rating organizations are:

• Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
• National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests.

See the tables below for a detailed look at safety ratings for the Ford Focus.

Ford Focus safety features

The safety features of a model will also impact your insurance costs. A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.

The 2012 to 2018 model years scored well on safety ratings through the Insurance Institute for Highway Safety (IIHS).

The Ford Focus has a variety of safety features. Learn more about them below.

What factors affect Ford Focus insurance rates?

Many factors influence your car insurance rate, such as:

• The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
• Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
• Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

More: Cheap car insurance

Ford Focus insurance costs for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

The average cost to insure a Ford Focus for drivers between 16 and 19 is $244 per month, which is 23% higher than the average for all Focus drivers.

Ford Focus insurance costs for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again, and car insurance rates for seniors tend to be higher for several reasons. First, older drivers are more likely to be involved in accidents. They are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

The average cost to insure a Ford Focus for drivers age 65+ is $183 per month, which is 18% higher than the average for all Focus drivers.

Cheapest Ford Focus insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes, and those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Car insurance for Ford Focus drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1 to 5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

The average cost to insure a Ford Focus for drivers with a speeding ticket on their records is $151 per month, which is 11% higher than average for all Focus drivers.

Cheapest car insurance for Ford Focus drivers with a DUI

The average cost to insure a Ford Focus for drivers with a DUI on their records is $383 per month, which is 37% higher than average for all Focus drivers.

A DUI is a serious driving offense that can affect your car insurance rates for many years to come. If you have a DUI on your record, shopping around and comparing car insurance rates is even more important, as prices can vary significantly from one insurance company to another.

Cheapest car insurance for Ford Focus drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. If you were involved in an at-fault accident in recent years, your car insurance rates are likely affected. And the average cost to insure a Ford Focus for drivers with an at-fault accident on their records is $284 per month, which is 21% higher than average for all Focus drivers.

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

Cheapest car insurance for Ford Focus drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Ford Focus drivers with these violations save on their car insurance.

Jerry helps you bundle home and auto for less in just minutes.

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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: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from 100+ top insurance companies, so you can compare prices in minutes. If you find a better deal, Jerry can help you lock in your new policy and cancel your old one.
• Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments, but avoid raising it higher than you can afford to pay if a claimable situation arises.
• Reduce your coverage: If you have an older car, you can reduce coverage to lower your bill. This may be a good idea if your car’s value is less than 10 times the premium you’re paying.
• Research discounts: Nearly all insurance companies offer discounts, but they’re not always advertised and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
• 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, 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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