Toyota Corolla vs Ford Focus Insurance Cost
The Ford Focus is cheaper to insure by about $425 a year for full coverage by our estimate ($1,705 vs. $1,280), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Corolla | Ford Focus | Difference |
|---|---|---|---|
| State minimum | $710 | $615 | +$95 |
| Standard (100/300/100) | $1,025 | $890 | +$135 |
| Full coverage | $1,705 | $1,280 | +$425 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Corolla minus Focus.
Why one costs more to insure
| Factor | Toyota Corolla | Ford Focus |
|---|---|---|
| Segment | Compact car | Compact car |
| Powertrains | Gasoline, Hybrid | Gasoline, Electric, Flex-fuel |
| HLDI collision (100 = avg) | 102 | — |
| HLDI comprehensive | 89 | — |
| HLDI property damage liability | 114 | — |
| HLDI bodily injury liability | 137 | — |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 13 |
Corolla vs Focus insurance by state
By driver profile (full coverage)
| Driver | Corolla | Focus |
|---|---|---|
| Teen driver (18, own policy) | $4,695 | $3,515 |
| Young adult (22) | $2,730 | $2,045 |
| Adult in their 30s | $1,705 | $1,280 |
| Adult in their 50s | $1,570 | $1,175 |
| Senior (72) | $1,910 | $1,430 |
| 30s, one at-fault accident | $2,475 | $1,855 |
| 30s, DUI on record | $3,155 | $2,365 |
More comparisons
Frequently asked questions
Is the Toyota Corolla or the Ford Focus cheaper to insure?
By our estimate the Ford Focus is cheaper, by about $425 a year for full coverage ($1,705 vs. $1,280) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Corolla and Ford Focus?
Mostly because of insurance-loss history: HLDI collision indices of 102 vs. n/a and comprehensive indices of 89 vs. n/a (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.