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Ford Focus Car Insurance: Cost & Cheap Quotes (2021)

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Ford Focus has been around since the early 2000s. Initially, it was a small four-door sedan that was designed to rival other small sedans such as the Dodge Neon or the Honda Civic. However, in 2011, the Ford Focus got an entirely new revamped design. The car went from being your grandma's commuter to a sporty-looking four-door hatchback. They even released a sport version with a turbocharged engine!

Over the course of the past decade, the Ford Focus has continued to become one of the most popular vehicles on the market- especially among younger drivers who appreciate its more "athletic" appeal.

Whether you're looking at purchasing a Ford Focus or you already a Ford Focus owner, you're going to need car insurance. We will help you compare car insurance quotes for Ford Focus, as well as give you a breakdown of its average car insurance cost. Thankfully Ford Focus car insurance isn't quite as expensive as some people make it out to be. While the car certainly looks sporty, the Ford Focus is actually a sedan in technical terms and you can find it among our list of the cheapest cars to insure.

In this article, we're going to take a look at Ford Focus insurance cost, answer some common questions about Ford Focus car insurance, compare Focus car insurance rates based on the model year you're looking at and help you compare Ford Focus insurance quotes online through this page. So fasten your seat belts, because we're getting started!

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How Much is Insurance for a Ford Focus?

Let's get down to the numbers, shall we? 

Ford Focus Insurance Rates by Model Year

While average insurance rates are not precise and your insurance rates will always differ based on your own unique risk profile, please find below a breakdown of the average Ford Focus insurance cost per month and per year based on model year. In order to get accurate Ford Focus insurance quotes, simply hit the get quotes button at this page and follow through.

Model YearCost Per MonthCost Per Year
2021$125$1,498
2020$117$1,405
2019$115$1,384
2018$113$1,360
2017$111$1,331
2016$109$1,308
2015$106$1,275
2014$104$1,242
2013$99$1,193
2012$95$1,144
2011$94$1,126
2010$92$1,106
2009$90$1,077
2008$87$1,042

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2008 Ford Focus Insurance Cost

The average insurance cost of a 2008 Ford Focus is $87 per month, or $1,042 yearly.

2009 Ford Focus Insurance Cost

The insurance cost of a 2009 Ford Focus is $90 monthly, or $1,077 annually, on average.

2010 Ford Focus Insurance Cost

A 2010 Ford Focus insurance cost is $92 a month, or $1,106 a year - on average.

2011 Ford Focus Insurance Cost

The average 2011 Ford Focus insurance cost is $94 monthly, or $1,126 yearly.

2012 Ford Focus Insurance Cost

A 2012 Ford Focus insurance cost is $95 per month or $1,144 a year, on average.

2013 Ford Focus Insurance Cost

A 2013 Ford Focus will cost you either $99 a month or $1,193 a year to insure on average.

2014 Ford Focus Insurance Cost

A 2014 Ford Focus costs $104 monthly, or $1,242 yearly, to insure, on average.

2015 Ford Focus Insurance Cost

2015 Ford Focus costs, on average, $106 per month, or $1,275 per year, to insure.

2016 Ford Focus Insurance Cost

In order to insure a 2016 Ford Focus you should be prepare to spend about $109 on a monthly basis, or $1,308 annually, on your insurance costs, on average.

2017 Ford Focus Insurance Cost

A 2017 Ford Focus costs approximately $111 per month or $1,331 a year to insure, on average.

2018 Ford Focus Insurance Cost

If you're looking to insure a 2018 Ford Focus, you should be prepared to spend around $113 monthly or $1,360 annually on your auto insurance costs.

2019 Ford Focus Insurance Cost

To insure a 2019 Ford Focus you should prepare around $115 per month or $1,384 per year to cover its insurance costs.

2020 Ford Focus Insurance Cost

In order to insure a 2020 Ford Focus you should expect to pay about $117 monthly or $1,405 yearly on average.

2021 Ford Focus Insurance Cost

If you're wondering how much is insurance for a 2021 Ford Focus, then the answer is about $125 a month or $1,498 a year on average.

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Ford Focus Insurance for 18 Year Old

In order to insure an 18 year old driver on a Ford Focus you should be ready to spend about $417 per month or $5,000 a year on his/her insurance costs, on average.

Ford Focus Insurance for 17 Year Old

Ford Focus insurance cost for 17 year old drivers is around $500 per month or $6,000 per month on average. Rates always vary based on individual factors, but you should expect to pay high premium rates.

Ford Focus ST Insurance: What You Need To Know

Like we mentioned, Ford also released their ST model of the Focus. This model is capable of generating 252 bhp with its small 2.0-Liter 4-cylinder engine and features advanced chassis control, a sporty body kit, and is available in bright racing colors such as yellow, blue, and bright red.

Why is Ford Focus ST Insurance More Expensive Than The Average Ford Focus Insurance?

Car insurance companies generally charge a little bit more for this model since it's more expensive and it's classified as a racing sedan. As a result, these Ford Focus insurance rates are going to be significantly more pricey than your typical Ford Focus car insurance.

Ford Focus ST Insurance Cost

The average cost of ST auto insurance is more than $2,900 per year for a full coverage policy. That's more than double the average cost of the average Ford Focus auto insurance.

Ford Focus ST Insurance for 18-year-old

If you're looking for Ford Focus ST insurance for 18-year-old drivers, then it's very likely that you'll pay very high premium rates. On average, you should expect to pay at least $625 a month, or $7,500 per year to cover full coverage car insurance costs. 

Since they're younger drivers, they're statistically more likely to be involved in accidents and be considered "at fault" in those accidents.

The prefrontal cortex (which governs risk-taking) is not fully developed until most teens are past the age of 25, which is one of the main reasons why they exhibit more dangerous driving behaviour. In turn, this makes auto insurance rates significantly more expensive for any car, and especially for a Focus ST model (despite its numerous safety features).

Once a driver passes the age of 25, though, auto insurance rates almost always decrease and become a lot more affordable. Once the driver hits their 30s, then insurance will continue to decrease as long as they maintain a good driving record.

Ford Focus RS Insurance Cost

Ford Focus RS insurance price is about $125 per month or $1,500 per year on average. That's slightly above the average Ford Focus insurance rates, but not significantly like the Ford Focus ST.

Ford Focus Insurance FAQ

As mentioned, the Ford Focus is incredibly popular among younger drivers who don't need the extra storage and large seats that come with a larger sedan like the Toyota Camry or the Chevy Cruze. It's sporty, compact, fuel-efficient, and it's easy to park on a campus or in a bustling city street. It is also among the cheapest cars to insure for teenage drivers. Here are some of the top questions we get regarding Focus car insurance rates and how to get the best deal.

Is Ford Focus Expensive to Insure?

The Ford Focus is a relatively affordable vehicle to purchase auto insurance for. The average cost to insure a Ford Focus is just under $1,350 per year for a full coverage policy that includes the following coverage plans:

  • Personal injury liability coverage.

  • Property damage liability coverage.

  • Personal injury protection.

  • Collision coverage.

  • Comprehensive coverage.

  • Uninsured/Underinsured motorist coverage.

All in all, that evens out to an average monthly premium payment of around $110 per month, not including any sign-up fees.

What is the Cheapest Ford Focus to Insure? (by Year Model)

Generally speaking, the older and more basic the car is, the cheaper your auto insurance will be. In this case, one of the cheapest Ford Focus insurance costs can be found in the 2008 Ford Focus. It has an average annual insurance cost of $870 per year for a full coverage policy. That's pretty affordable!

Is Ford Focus a Reliable Car?

One of the main reasons why the Ford Focus has become such a popular vehicle is that it's incredibly reliable. This is true in regards to safety features, engine durability, and gas mileage. The Ford Focus crash test results show nothing but supreme durability and the small 4-cylinder engines are known to last upwards of 200,000 miles or more before they experience significant issues.

Does Ford Focus Have Good Crash Test Ratings?

One of the best reasons to purchase a Ford Focus is that they're incredibly safe vehicles. It's been awarded a 5/5 rating by the National Highway and Transport Safety Administration. This means that if you're involved in a crash, there's a high likelihood that you and your passengers will survive.

What does this mean for your insurance costs? Well, because it's a safer car, it means that your average annual insurance premium should be slightly cheaper.

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