Estimates, not quotes

Ford Focus Insurance Cost

Full coverage for a Ford Focus costs about $1,280 a year ($107/month) by our estimate — ▼ −19% versus the average vehicle.

Ford Focus exterior (photo from Wikimedia Commons)
Photo: Vauxford, CC BY-SA 4.0
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

Ford Focus insurance cost at a glance

Full coverage
$1,280
$107/mo · $1,050–$1,510
Minimum liability
$615
$51/mo
Segment
Compact car
Gasoline, Electric, Flex-fuel
NHTSA overall
★★★★★
2018 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2018 model year. Our vehicle data covers the 2005–2018 model years of the Ford Focus, which is no longer in production.

Estimated Ford Focus premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $615 $51 $505–$725
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $890 $74 $730–$1,050
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,280 $107 $1,050–$1,510

What drives the cost of insuring a Ford Focus

HLDI does not publish loss results for the Ford Focus, so our estimate uses the typical losses of its segment (Compact car): 1.00× average for liability, 0.95× for collision and 0.90× for comprehensive.

  • Repair and parts costs: Compact car — mainstream parts availability keeps repairs moderate.
  • Electric drivetrain: battery packs, high-voltage systems and specialized repair shops make EV collision claims more expensive on average; comprehensive can be lower if theft is rare.
  • Safety: 5-star NHTSA overall rating (frontal 5★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
  • Recalls & complaints: 13 NHTSA recall campaigns and 2,929 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Ford Focus trims and configurations (2018)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

ConfigurationDriveEngineMPGe (comb.)Range
Focus ElectricFWDElectric107115 mi
Focus FWDFWD1.0L 3-cyl Turbo34—
Focus FWDFWD2.0L 4-cyl31—
Focus RS AWDAWD2.3L 4-cyl Turbo22—
Focus ST FWDFWD2.0L 4-cyl Turbo25—

Ford Focus insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model yearEnginesDriveMPGeEst. full / yr
20181.0L 3-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl TurboAWD, FWD22–34$1,280
20171.0L 3-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl TurboAWD, FWD22–34$1,250
20161.0L 3-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl TurboAWD, FWD22–34$1,220
20151.0L 3-cyl Turbo, 2.0L 4-cyl, 2.0L 4-cyl TurboFWD26–34$1,215
20142.0L 4-cyl, 2.0L 4-cyl Turbo, ElectricFWD26–32$1,215
20132.0L 4-cyl, 2.0L 4-cyl Turbo, ElectricFWD26–32$1,215
20122.0L 4-cyl, ElectricFWD29–32$1,215
20112.0L 4-cylFWD28–29$1,215
20102.0L 4-cylFWD28$1,215
20092.0L 4-cylFWD27–28$1,215
20082.0L 4-cylFWD28$1,215
20072.0L 4-cyl, 2.3L 4-cylFWD23–27$1,215
20062.0L 4-cyl, 2.3L 4-cylFWD23–26$1,215
20052.0L 4-cyl, 2.3L 4-cylFWD23–26$1,215

Ford Focus insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Focus page for that state.

StateFull coverageMinimumvs. nationalFocus page
Alabama$1,080$480−16%Focus in AL
Alaska$1,110$625−13%Focus in AK
Arizona$1,350$660+5%Focus in AZ
Arkansas$1,070$450−16%Focus in AR
California$1,220$570−5%Focus in CA
Colorado$1,425$650+11%Focus in CO
Connecticut$1,395$710+9%Focus in CT
Delaware$1,500$800+17%Focus in DE
District of Columbia$1,590$740+24%Focus in DC
Florida$1,950$1,080+52%Focus in FL
Georgia$1,650$870+29%Focus in GA
Hawaii$860$435−33%Focus in HI
Idaho$860$400−33%Focus in ID
Illinois$1,090$500−15%Focus in IL
Indiana$890$405−30%Focus in IN
Iowa$810$310−37%Focus in IA
Kansas$970$405−24%Focus in KS
Kentucky$1,085$525−15%Focus in KY
Louisiana$1,790$790+40%Focus in LA
Maine$790$425−38%Focus in ME
Maryland$1,455$750+14%Focus in MD
Massachusetts$1,250$590−2%Focus in MA
Michigan$1,375$765+7%Focus in MI
Minnesota$1,030$470−20%Focus in MN
Mississippi$1,190$530−7%Focus in MS
Missouri$1,135$510−11%Focus in MO
Montana$960$395−25%Focus in MT
Nebraska$970$405−24%Focus in NE
Nevada$1,570$865+23%Focus in NV
New Hampshire$890$400−30%Focus in NH
New Jersey$1,615$935+26%Focus in NJ
New Mexico$1,130$520−12%Focus in NM
New York$1,780$930+39%Focus in NY
North Carolina$900$450−30%Focus in NC
North Dakota$745$275−42%Focus in ND
Ohio$890$405−30%Focus in OH
Oklahoma$1,100$470−14%Focus in OK
Oregon$1,195$625−7%Focus in OR
Pennsylvania$1,075$425−16%Focus in PA
Rhode Island$1,595$820+25%Focus in RI
South Carolina$1,415$730+11%Focus in SC
South Dakota$885$315−31%Focus in SD
Tennessee$1,025$450−20%Focus in TN
Texas$1,475$690+15%Focus in TX
Utah$1,200$655−6%Focus in UT
Vermont$780$315−39%Focus in VT
Virginia$1,095$625−14%Focus in VA
Washington$1,150$590−10%Focus in WA
West Virginia$1,020$435−20%Focus in WV
Wisconsin$845$370−34%Focus in WI
Wyoming$905$325−29%Focus in WY

Ford Focus insurance by driver profile

Estimated annual Ford Focus premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,685 $2,445 $3,515 $293
Young adult (22) $980 $1,425 $2,045 $170
Adult in their 30s $615 $890 $1,280 $107
Adult in their 50s $565 $820 $1,175 $98
Senior (72) $685 $995 $1,430 $119
30s, one at-fault accident $890 $1,290 $1,855 $155
30s, DUI on record $1,135 $1,645 $2,365 $197

Ford Focus vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Ford Focus$1,280———
Honda Civic$1,79012188Compare
Toyota Corolla$1,70510289Compare
Volkswagen Golf$1,365——Compare

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Frequently asked questions

How much is insurance for a Ford Focus?

We estimate about $1,280 a year ($107 a month) for full coverage and $615 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 19% less than the average vehicle.

Which state is cheapest to insure a Ford Focus?

North Dakota has the lowest estimate (about $745 a year for full coverage) and Florida the highest (about $1,950).

What is the Ford Focus's NHTSA safety rating?

The 2018 Ford Focus earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Ford Focus cheaper to insure than the Honda Civic?

By our estimate the Ford Focus costs about $1,280 a year versus $1,820 for the Honda Civic, making it the cheaper of the two to insure.

How much is Ford Focus insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,515 a year at national-average rates by our estimate.

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