Volkswagen Golf vs Ford Focus Insurance Cost

The Ford Focus is cheaper to insure by about $85 a year for full coverage by our estimate ($1,365 vs. $1,280), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Volkswagen Golf	Ford Focus	Difference
State minimum	$615	$615	—
Standard (100/300/100)	$890	$890	—
Full coverage	$1,365	$1,280	+$85

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Golf minus Focus.

Why one costs more to insure

Factor	Volkswagen Golf	Ford Focus
Segment	Compact car	Compact car
Powertrains	Gasoline, Electric, Diesel	Gasoline, Electric, Flex-fuel
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	5★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	13

Golf vs Focus insurance by state

State	Golf	Focus	Difference
Alabama	$1,165	$1,080	+$85
Alaska	$1,190	$1,110	+$80
Arizona	$1,440	$1,350	+$90
Arkansas	$1,165	$1,070	+$95
California	$1,315	$1,220	+$95
Colorado	$1,535	$1,425	+$110
Connecticut	$1,480	$1,395	+$85
Delaware	$1,575	$1,500	+$75
District of Columbia	$1,710	$1,590	+$120
Florida	$2,040	$1,950	+$90
Georgia	$1,740	$1,650	+$90
Hawaii	$925	$860	+$65
Idaho	$920	$860	+$60
Illinois	$1,170	$1,090	+$80
Indiana	$960	$890	+$70
Iowa	$890	$810	+$80
Kansas	$1,055	$970	+$85
Kentucky	$1,155	$1,085	+$70
Louisiana	$1,905	$1,790	+$115
Maine	$855	$790	+$65
Maryland	$1,550	$1,455	+$95
Massachusetts	$1,340	$1,250	+$90
Michigan	$1,475	$1,375	+$100
Minnesota	$1,115	$1,030	+$85
Mississippi	$1,285	$1,190	+$95
Missouri	$1,220	$1,135	+$85
Montana	$1,050	$960	+$90
Nebraska	$1,055	$970	+$85
Nevada	$1,640	$1,570	+$70
New Hampshire	$960	$890	+$70
New Jersey	$1,700	$1,615	+$85
New Mexico	$1,215	$1,130	+$85
New York	$1,880	$1,780	+$100
North Carolina	$985	$900	+$85
North Dakota	$825	$745	+$80
Ohio	$960	$890	+$70
Oklahoma	$1,195	$1,100	+$95
Oregon	$1,260	$1,195	+$65
Pennsylvania	$1,165	$1,075	+$90
Rhode Island	$1,685	$1,595	+$90
South Carolina	$1,495	$1,415	+$80
South Dakota	$980	$885	+$95
Tennessee	$1,110	$1,025	+$85
Texas	$1,595	$1,475	+$120
Utah	$1,270	$1,200	+$70
Vermont	$855	$780	+$75
Virginia	$1,175	$1,095	+$80
Washington	$1,215	$1,150	+$65
West Virginia	$1,110	$1,020	+$90
Wisconsin	$915	$845	+$70
Wyoming	$1,000	$905	+$95

By driver profile (full coverage)

Driver	Golf	Focus
Teen driver (18, own policy)	$3,760	$3,515
Young adult (22)	$2,190	$2,045
Adult in their 30s	$1,365	$1,280
Adult in their 50s	$1,260	$1,175
Senior (72)	$1,530	$1,430
30s, one at-fault accident	$1,985	$1,855
30s, DUI on record	$2,530	$2,365

More comparisons

Frequently asked questions

Is the Volkswagen Golf or the Ford Focus cheaper to insure?

By our estimate the Ford Focus is cheaper, by about $85 a year for full coverage ($1,365 vs. $1,280) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Volkswagen Golf and Ford Focus?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a 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.

Sources used on this page