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 sports 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 are 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!
Let's get down to the numbers, shall we?
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 Year | Cost Per Month | Cost Per Year |
|---|---|---|
| 2022 | $143 | $1,716 |
| 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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The average insurance cost of a 2008 Ford Focus is $87 per month, or $1,042 yearly.
The insurance cost of a 2009 Ford Focus is $90 monthly, or $1,077 annually, on average.
A 2010 Ford Focus insurance cost is $92 a month, or $1,106 a year - on average.
The average 2011 Ford Focus insurance cost is $94 monthly, or $1,126 yearly.
A 2012 Ford Focus insurance cost is $95 per month or $1,144 a year, on average.
A 2013 Ford Focus will cost you either $99 a month or $1,193 a year to insure on average.
A 2014 Ford Focus costs $104 monthly, or $1,242 yearly, to insure, on average.
2015 Ford Focus costs, on average, $106 per month, or $1,275 per year, to insure.
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.
A 2017 Ford Focus costs approximately $111 per month or $1,331 a year to insure, on average.
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.
To insure a 2019 Ford Focus you should prepare around $115 per month or $1,384 per year to cover its insurance costs.
In order to insure a 2020 Ford Focus you should expect to pay about $117 monthly or $1,405 yearly on average.
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.
The average cost of insurance for a 2022 Ford Focus is about $143 a month or $1,716 a year on average.
2023 Ford Focus Insurance Cost
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 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.
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.
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.
$2,900 per year
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 behavior. 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 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.
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.
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.
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!
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.
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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By Vauxford - Own work, CC BY-SA 4.0, https://commons.wikimedia.org/w/index.php?curid=86796948
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On May 10, 2023, I was involved in an accident with one of USAA's clients. Everything proceeded smoothly until they decided to give me the runaround in repairing my car or compensating me for its worth. The adjuster was nowhere to be found, and it took me a couple of months to receive any response from them. They informed me that my car was a total loss and provided a specific amount they were willing to pay for it via email, stating that I could dispute it if I could find a car in the same category with the same mileage within a 100-mile radius. Unfortunately, I couldn't find an exact match, but I did find a vehicle that was one year older and one year newer, so I disputed the price they were offering. They assured me they would get back to me in a couple of weeks, but I never heard from them again. Frustrated, I took the step of filing a complaint against them with the Texas Department of Insurance and the Office of the Attorney General. However, I received no assistance beyond the insurance company responding to me and denying my dispute without providing any tangible reasoning. This was after three months of back-and-forth since my car accident, with no access to a replacement vehicle or rental car. Now, it has been five months, and they are attempting to push the responsibility onto my own insurance. These actions indicate that these individuals are playing games with people's lives, and there seems to be no one holding them accountable. It is disheartening to realize that we live in a country that is supposed to protect average citizens from being taken advantage of by large companies like USAA, but this has proven to be far from the truth. I have lost trust in the entire system, and I am determined to stop paying insurance premiums to these corporate entities that seem only interested in taking our hard-earned money every day, without delivering the support they promise.
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I have dealt with many auto insurance companies in my life time but none as deceitful as AAA!! I signed up with a AAA insurance agent back in March. The premium I was would be $138/month-(all good). The agent told me I had to pay 4 months in advance so I gave my credit card to pay for the 4 months including the current month. One month later I received my monthly invoice for payment. The amount due had jumped from $138 (monthly) to $276. I called AAA and they said this was because of an accident that occurred 5 months prior where the other driver was at fault, though the case was still had yet to be closed. AAA would not accept the quoted premium of $138/month. So I shopped for a new insurance policy. A division of Farmers Insurance (Toggle) sold me their auto policy which was superior to AAA at $118/month with only $500 deductible. I canceled AAA and jumped onto the Farmers policy. I contacted AAA to cancel the policy and requested the 3 months paid in advance be reimbursed to me. I was told that I would not be reimbursed and in fact I was still responsible for the premium payment of $276 - that this payment would not be forgiven. I have since filed a claim with the BBB (Better Business Bureau) and if this fails I will take AAA to small claims court. Prior to this experience I respected the AAA name. I've learned that this company is simply TOO BIG and feel they can take advantage of their customers at will. I have since canceled EVERYTHING AAA (roadside service and an insurance policy). This big business corporation is NOT TO BE TRUSTED!!!!
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Not all those who wander are lost.
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