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Car insurance for a Ford Focus

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The last Ford Focus rolled off the factory line in 2018. While new Ford Focus vehicles are no longer available, used Focus cars remain a popular choice for drivers who want a sedan or hatchback. Before buying a vehicle of this type, however, you may want to familiarize yourself with its average insurance costs to ensure that your purchase fits within your overall budget.

Full coverage car insurance for a 2018 Ford Focus costs $1,633 per year, according to Bankrate’s 2022 study of quoted annual premiums. However, rates vary based on a number of different factors. Bankrate can help you understand what features of the Ford Focus may affect car insurance premiums and which companies may offer the cheapest rates.

Models included in this review:

  • 2018 Ford Focus

How much does it cost to insure a Ford Focus?

The average cost of car insurance in the U.S., which is based on a 2019 Toyota Camry, is $1,674 per year for full coverage. However, the make and model of your vehicle is one of the biggest factors to impact your car insurance premium. A 2018 Ford Focus costs an average of $1,633 per year for the same full coverage, which is just slightly less than the national average. The trim package of your Focus, as well as the insurance company you choose, will also affect rates. Here are some features of the Focus that could affect insurance premiums:

  • Crash rate stats per make/model – The 2018 Ford Focus gets mostly “good” ratings from the Insurance Institute for Highway Safety (IIHS), although a few features are rated “average.” The IIHS recorded a moderate death rate for Ford Focus drivers; the rate is not nearly as low as the Volkswagen Golf, but not as high as the Chevy Sonic.
  • Price of parts Ford vehicles are made in the U.S. As such, parts are often readily available and generally do not need to be imported, making them cheaper on average than parts for some other brands.
  • Safety features The 2018 Ford Focus has optional safety features including blind spot monitoring, lane keeping assist and lane departure warning, but only on the higher-end trim packages.

Crash ratings, safety features and affordable replacement parts may result in fewer or less costly claims filed by Ford Focus owners, which may have a positive impact on rates.

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 economic or financial goals. By comparing your quotes to recent averages, you may get a better idea of whether or not you are getting a competitive rate for auto insurance. Bankrate gathered average premium data from Quadrant Information Services for ZIP codes across the country. 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 2022 with large market share for the sake of comparison.

Average annual premium for full coverage

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 air bags: Robust air bag 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, potentially 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 that drivers purchase at least minimum liability coverage, there are many other types of auto coverage to consider that can add to your financial protection. 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.

Collision coverage and comprehensive coverage are designed to protect your finances against damages sustained to your vehicle, regardless of fault. Collision coverage will help with covering the cost to repair damages your car sustains due to covered collisions, while comprehensive pays for damages caused by non-collision losses, such as theft, storm damage and vandalism. The combination of these two coverage types is often referred to as “full coverage.”

Medical payments coverage provides coverage for medical expenses for you and any passengers in your vehicle, assuming the injuries result from a covered loss. Personal injury protection (PIP) is similar to medical payments coverage, but provides for more scenarios. PIP is typically required in no-fault states. Depending on your state, you will likely only have the option to buy medical payments coverage or PIP, but a few states offer both.


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 coverage that meets 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
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor