Ford Focus Insurance Cost in Vermont
Insuring a Ford Focus in Vermont costs about $780 a year ($65/month) for full coverage by our estimate — −39% versus the same car nationally — the 2nd cheapest of 51 states for this model.
Ford Focus insurance in Vermont at a glance
The Ford Focus is 25% cheaper than the average vehicle to insure in Vermont. Vermont's own base rates are 30% lower than the national average, which carries through to every model.
Vermont factors that affect Focus premiums
- Uninsured drivers: 11.8% of Vermont drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your Focus.
- Theft: 48 vehicle thefts per 100,000 residents (U.S. 197).
- Weather: FEMA rates Vermont's expected annual losses as very low for hail, relatively low for tornado, very low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
- Crash risk: 0.82 traffic deaths per 100 million miles (U.S. 1.19).
- Fault system: At-fault (tort).
Ford Focus insurance cost in Vermont cities
| City | Full coverage | Minimum | vs. state |
|---|---|---|---|
| Burlington | $910 | $370 | +17% |
| South Burlington | $845 | $345 | +8% |
| Rutland | $850 | $345 | +9% |
| Essex Junction | $885 | $360 | +13% |
| Winooski | $955 | $390 | +22% |
| Barre | $870 | $355 | +12% |
| Montpelier | $820 | $335 | +5% |
| St. Albans | $930 | $380 | +19% |
Ford Focus insurance in Vermont by driver
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $875 | $1,265 | $2,145 | $179 |
| Young adult (22) | $510 | $735 | $1,250 | $104 |
| Adult in their 30s | $315 | $460 | $780 | $65 |
| Adult in their 50s | $290 | $425 | $720 | $60 |
| Senior (72) | $355 | $515 | $875 | $73 |
| 30s, one at-fault accident | $460 | $670 | $1,130 | $94 |
| 30s, DUI on record | $585 | $850 | $1,445 | $120 |
Coverage levels
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $315 | $26 | $260–$375 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $460 | $38 | $375–$545 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $780 | $65 | $640–$920 |
Vermont minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.
Rivals in Vermont
| Model | Full coverage in VT | vs. Focus |
|---|---|---|
| Honda Civic | $1,175 | +51% |
| Toyota Corolla | $1,090 | +40% |
| Volkswagen Golf | $1,000 | +28% |
| Toyota Prius | $1,060 | +36% |
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Ford Focus insurance cost in every state · All Ford models
Frequently asked questions
How much is Ford Focus insurance in Vermont?
About $780 a year ($65 a month) for full coverage and $315 for Vermont's minimum liability, for a driver in their 30s with a clean record. That is 39% less than the national estimate for the same car.
Is the Ford Focus cheaper to insure than the average car in Vermont?
The average vehicle in Vermont is about $1,035 a year for full coverage in our model, so the Ford Focus is 25% cheaper than average.
Where in Vermont is Ford Focus insurance cheapest?
Among the largest Vermont cities, Montpelier has the lowest estimate (about $820) and Winooski the highest (about $955).
What insurance do I need for a Ford Focus in Vermont?
Vermont requires at least 25/50/10 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.
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.
- Vermont DFR: Auto Insurance
- 23 V.S.A. 800 (maintenance of financial responsibility)
- 23 V.S.A. 941 (uninsured, underinsured or unknown motorist coverage)
- Vermont DMV: Insurance
- Vermont DMV: Why is a filing of Financial Responsibility Insurance required
- Vermont DFR: Insurance Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- FEMA National Risk Index
- U.S. Census Bureau, American Community Survey