The Cheapest Car Insurance for a Ford Focus

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Drivers of the most recent Ford Focus model pay an average of $1,477 per year for car insurance, but you might find cheaper coverage if you shop around.

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Nerdy takeaways
  • The cheapest insurance company for a 2019 Ford Focus is State Farm at $809 per year, on average.

  • The Ford Focus costs an average of $1,477 per year to insure.

  • That works out to a car insurance rate of $123 per month.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every ZIP code in the country where coverage is offered and data is available. Read our methodology.

Jump to your Model Year

The vehicle you drive plays a big role in determining how much you pay for auto insurance. Insurers set rates based on factors like how expensive a vehicle’s repair costs are, how often a car is broken into or stolen, and even the likelihood of a vehicle getting into an accident. The cheapest cars to insure usually don’t cost as much to repair after a claim, while those with higher repair costs — like luxury vehicles and sporty models — tend to be more expensive to insure.

Auto insurance rates vary by company, so shopping around and comparing quotes from multiple insurers is the best way to find cheap car insurance.

How much does Ford Focus insurance cost?

The average cost for Ford Focus insurance in 2019 is $123 per month, according to NerdWallet’s most recent analysis of full coverage insurance rates. But each model year will likely have different insurance costs. Check out the table below to see the average insurance cost by model year.

Year
Cost
2019$1,477
2018$1,466
2017$1,443
2016$1,411
2015$1,387
2014$1,364
2013$1,341

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Cheapest insurance for a 2019 Ford Focus

The average cost of car insurance for Ford Focus is $1,477 per year, but you may be able to find cheaper rates if you shop around and compare quotes from multiple insurance companies.

Here are the cheapest car insurance companies for a 2019 Ford Focus.

Company
Cost
NerdWallet Rating
State Farm$809
NerdWallet rating 

5.0

/5
American Family$1,040
NerdWallet rating 

5.0

/5
Travelers$1,071
NerdWallet rating 

5.0

/5
Geico$1,305
NerdWallet rating 

4.5

/5
Progressive$1,367
NerdWallet rating 

5.0

/5

>> MORE: Estimate car insurance

Cheapest insurance for a 2018 Ford Focus

Our analysis found that the average auto insurance cost for a Ford Focus is $1,466 per year, which is 0.77% less to insure than the 2019 model. But shopping around and comparing quotes from multiple insurers may help you get an even lower rate.

Here are the cheapest insurance companies for a 2018 Ford Focus.

Company
Cost
NerdWallet Rating
USAA$890
NerdWallet rating 

4.0

/5
Erie$972
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,050
NerdWallet rating 

5.0

/5
American Family$1,163
NerdWallet rating 

5.0

/5
Geico$1,262
NerdWallet rating 

4.5

/5

>> MORE: Types of car insurance

Cheapest insurance for a 2017 Ford Focus

The average car insurance rate for a 2017 Ford Focus is $1,443 per year, but you might find even cheaper rates by shopping around and comparing quotes from multiple insurance companies.

Here are the cheapest insurers for a 2017 Ford Focus.

Company
Cost
NerdWallet Rating
USAA$862
NerdWallet rating 

4.0

/5
Erie$951
NerdWallet rating 

4.0

/5
Auto-Owners Insurance$1,019
NerdWallet rating 

5.0

/5
American Family$1,146
NerdWallet rating 

5.0

/5
Geico$1,233
NerdWallet rating 

4.5

/5

>> MORE: Car insurance quotes: How to shop and compare online

Cheapest insurance for a 2016 Ford Focus

NerdWallet’s analysis found that the average cost of insurance for a 2016 Ford Focus is $1,411. But you can typically find cheaper rates by shopping around and comparing quotes from multiple companies.

Here are the cheapest car insurance companies for a 2016 Ford Focus.

Company
Cost
NerdWallet Rating
State Farm$806
NerdWallet rating 

5.0

/5
American Family$995
NerdWallet rating 

5.0

/5
Travelers$1,032
NerdWallet rating 

5.0

/5
Geico$1,242
NerdWallet rating 

4.5

/5
MetLife$1,296
NerdWallet rating 

4.5

/5

>> MORE: The average cost of car insurance

Cheapest insurance for a 2015 Ford Focus

The average cost to insure a 2015 Ford Focus is $1,387. But you might find even cheaper rates if you compare car insurance quotes from multiple companies.

Here are the cheapest insurers for a 2015 Ford Focus.

Company
Cost
NerdWallet Rating
State Farm$800
NerdWallet rating 

5.0

/5
American Family$978
NerdWallet rating 

5.0

/5
Travelers$1,022
NerdWallet rating 

5.0

/5
Geico$1,220
NerdWallet rating 

4.5

/5
MetLife$1,275
NerdWallet rating 

4.5

/5

>> MORE: The cheapest full coverage car insurance

Cheapest insurance for a 2014 Ford Focus

Nerdwallet’s analysis found that the average cost to insure a 2014 Ford Focus is $1,364. But you can likely get even cheaper rates if you compare quotes from a few different insurance companies.

Here are the cheapest insurers for a 2014 Ford Focus.

Company
Cost
NerdWallet Rating
State Farm$793
NerdWallet rating 

5.0

/5
American Family$960
NerdWallet rating 

5.0

/5
Travelers$1,012
NerdWallet rating 

5.0

/5
Geico$1,200
NerdWallet rating 

4.5

/5
MetLife$1,256
NerdWallet rating 

4.5

/5

>> MORE: The best cheap car insurance

Cheapest insurance for a 2013 Ford Focus

A 2013 Ford Focus costs an average of $1,341 to insure, per year. But you might find cheaper rates by shopping around and comparing quotes from multiple companies.

Here are the cheapest insurers for a 2013 Ford Focus.

Company
Cost
NerdWallet Rating
State Farm$784
NerdWallet rating 

5.0

/5
American Family$940
NerdWallet rating 

5.0

/5
Travelers$1,003
NerdWallet rating 

5.0

/5
Geico$1,187
NerdWallet rating 

4.5

/5
MetLife$1,240
NerdWallet rating 

4.5

/5

>> MORE: Cheap car insurance companies

Methodology

NerdWallet averaged insurance estimates for this vehicle in all ZIP codes in any of the 50 states and Washington, D.C., where rates are available. Our sample profile is a 35-year-old driver with good credit and no tickets or violations. Our “good” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

We averaged rates between male and female drivers and assumed 12,000 annual miles driven. These are average rates, and your rate will vary based on your personal details, state and insurance provider.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

The analysis included the largest insurance companies in each state; smaller insurers were also included when rates were available. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

These are rates generated through Quadrant Information Services. Your own rates will be different.