Car insurance for a Ford Focus

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Although discontinued after 2018, the Ford Focus remains a popular car. This economy car may be popular for regular commuters looking to purchase a used vehicle, or for the new teen driver who needs a first car. When it comes to the insurance cost for a Ford Focus, rates are similar to the national average for a 2019 Toyota Camry.

The U.S. average cost of full coverage auto insurance is $1,674 annually, according to Bankrate’s 2021 study of quoted annual premiums (based on a 2019 Toyota Camry). For a 2018 Ford Focus, the average annual cost of full coverage is $1,633, which is nearly equal.

Individual rates can vary significantly, however, as they are based on numerous points of personalized data. Specifically, details about both the car and driver are factored into premium costs. Make, model of vehicle, safety features, crash ratings, and more can all affect auto insurance rates. Understanding the nuances of how rates may be calculated for the Ford Focus can help you to find the best policy for it.

Models included in this review:

  • 2018 Ford Focus

How much does it cost to insure a Ford Focus?

First, it is important to see the numerous variables that are considered when insurance companies determine Ford Focus insurance costs. While the U.S. average cost of car insurance for full coverage may be $1,674 per year, costs for individual drivers can be much higher or lower. Some of what determines these rates is the vehicle itself. For instance, crash ratings, price of parts, and safety features can have a notable impact on premiums. As a result, individual vehicles can have significantly different cost factors when it comes to insurance.

The Insurance Institute for Highway Safety (IIHS) provides crash ratings for numerous vehicles, including the 2018 Ford Focus. Overall, the Focus scored well on crashworthiness, receiving a rating of ‘good’ in all but one category. Better crash ratings may represent a reduced financial risk when it comes to insuring a vehicle. This is true for the insurer, and as a result, it is often true for the driver.

The cost of parts for a car can also have a significant impact on how expensive it is to repair. The more expensive a car’s parts are, the more it will generally cost to insure.

Since the Ford Focus is discontinued, some parts may be scarce. However, as most Ford vehicles are manufactured in the U.S., parts that are still newly made are likely to be cheaper than imported vehicle parts. For vehicles that have been discontinued for many years, parts can become scarcer and more expensive.

Safety features can further reduce the financial risk associated with insuring a vehicle. The safer the car, the less likely the driver is to file a claim. For instance, the Ford Focus has airbags and optional lane departure warning, lane departure prevention, and blind spot detection. While the airbags reduce the chance of an injury, the optional features may help prevent an accident or fatality. By keeping people and vehicles safe, these features may result in lower insurance costs.

Car insurance for a Ford Focus

While rates do vary between drivers, vehicles and providers, it can be helpful to know the average costs for a particular make and model, especially if you are considering a vehicle purchase based on financial considerations. By comparing real quotes to averages, it may be easier to see if you are getting a competitive rate for auto insurance. Below are the average costs of car insurance for Ford Focus. Individual quotes may vary significantly, however, as they factor in highly personalized variables.

Ford Focus car insurance Average annual premium
Minimum coverage $535
Full coverage $1,633

Cheapest car insurance companies for Ford Focus

Experts generally recommend shopping around between multiple insurance companies when looking for car insurance for a Ford Focus, or any model vehicle. As you can see below, rates can vary widely among providers, even with the same vehicle and driver profile. These differences are due, in part, to how each insurance provider uses its own system to determine rates. The providers in the below table were selected from Bankrate’s best car insurance companies for 2021 based on market share for the sake of comparison.

Average annual premium for full coverage by model

Car insurance company Ford Focus
Amica $1,294
Erie $1,202
Geico $1,338
State Farm $1,392
USAA $1,169

Ford Focus features that impact insurance costs

Among the factors that can potentially influence the cost of Ford Focus insurance, these safety features may help mitigate risk to insurers and result in more affordable premiums compared to similar economy cars.

  • Front and curtain airbags: Robust airbag systems provide greater safety to drivers and passengers, reducing the risk of bodily injury. Such safety features can reduce the chances of medical claims, which may allow providers to offer lower rates.
  • Blind spot warning: These systems can help to reduce the risk of an auto accident, making the vehicle cheaper to insure. Blind spots can contribute to the risk of an accident, and mitigating that risk may result in lower auto rates.
  • Lane departure warning: This sensor and warning system can reduce the risks of an accident by helping a driver keep their vehicle in the appropriate lane.
  • Lane departure prevention: This device can reduce the odds of having an accident by helping to keep the car driving in the proper lane.

Other car insurance coverage for a Ford Focus

While most states require minimum liability coverage for all drivers, there are many other types of auto coverage to consider. Liability coverage applies to damages or injuries to other people and properties when you, as a driver, are at-fault for those damages. It will not pay for any injuries or damages that you or your vehicle sustain, however.

Collision and comprehensive insurance are two of the most popular optional coverages, as they are designed to protect against damages sustained to your vehicle. Collision insurance will help with covering the cost to repair damages your car sustains while in motion: whether hitting a tree or another vehicle (with the exception of animal collisions).

Comprehensive coverage helps with damages to your car in non-collision instances. For example, comprehensive coverage could help with the costs of vandalism or a fallen tree, as well as damage from hitting an animal, as that is considered not preventable. The combination of these two policies is often referred to as “full coverage.”

Medical insurance provides an extra layer of protection against the costs of bodily injury. These policies help pay the medical expenses of the driver and passengers, even if the driver is at fault for the accident. When considering that minimum coverage will not help with your own medical bills if you are at-fault for an accident, it is easy to see why some drivers maintain separate medical coverage policies.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2018 Ford Focus, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Joshua Cox-Steib
Joshua Cox-Steib has two years of experience in writing for insurance domains such as,,,, and more. His work has also been featured on such sites as and His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.
Edited by
Insurance Editor