Ford Focus auto insurance at a glance:

  • Average car insurance price for a 40-year-old driver: $1,978 a year
  • Most affordable insurance companies for Ford Focus auto insurance: Erie, USAA*, Auto Owners
  • Cheapest state for Focus insurance: Maine
  • Most expensive state for Focus insurance: Louisiana

Ford Focus Insurance Rates by Company

By getting car insurance quotes from a variety of insurers, Ford Focus owners can potentially save hundreds of dollars each year. In our analysis of top insurance companies, Erie was the most economical option for insuring a Focus. USAA* was also a cost-competitive option.

Related: The best car insurance companies

Ford Focus Insurance Costs by State

The differences in Ford Focus insurance rates across the country are generally because of factors such as historical claims data, the cost of medical expenses, vehicle repair costs and state laws. When it comes to insuring a Focus, Louisiana tops the list as the most expensive, while Maine claims the title for the most affordable.

Cost of Insurance for a Ford Focus Based on Driver Age

According to a price analysis by Forbes Advisor, the least expensive age for insuring a Ford Focus is 60.

Conversely, the most expensive age to insure a Focus is age 20.

There are multiple factors that go into calculating your own car insurance quotes. These typically include your driving record, your garaging address (where you keep the vehicle), annual mileage, your credit-based insurance score (poor credit risks pay more), your past car insurance claims, the model of the car, any recent lapse in your vehicle insurance and the types and amount of coverage you have.

Related: 9 Factors That Affect Your Car Insurance Rates

How to Save Money on Ford Focus Car Insurance

There are several ways you can lower car insurance costs, such as:

  • Compare auto insurance quotes. Car insurance companies each have their own formula for pricing insurance for a Ford Focus. The best way to find a low rate is to compare car insurance quotes from several companies.
  • Buy the right amount of car insurance. While you want to make sure you have enough insurance, you also don’t want to overpay for insurance you don’t need for a Focus. Here’s a guide to determining how much car insurance you need.
  • Maintain a good credit score. Insurers in most states can use your credit-based insurance score as a factor in setting rates. But not all insurers weigh this factor the same, which is why it’s good to get several quotes.
  • Raise your deductible. Generally the higher your car insurance deductible, the less you pay in premiums. Common deductible amounts range from $250 to $2,000 and up.

Methodology

Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.

*USAA car insurance is available only to military members, veterans and their families.

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