The Cheapest Car Insurance for a Ford Focus
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.
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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.
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.
>> MORE: The best car insurance companies
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 |
>> MORE: Compare auto insurance
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
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 5.0 /5 |
| Progressive | $1,367 | NerdWallet rating 4.5 /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 5.0 /5 |
| Erie | $972 | NerdWallet rating 3.5 /5 |
| Auto-Owners | $1,050 | NerdWallet rating 5.0 /5 |
| American Family | $1,163 | NerdWallet rating 5.0 /5 |
| Geico | $1,262 | NerdWallet rating 5.0 /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 5.0 /5 |
| Erie | $951 | NerdWallet rating 3.5 /5 |
| Auto-Owners | $1,019 | NerdWallet rating 5.0 /5 |
| American Family | $1,146 | NerdWallet rating 5.0 /5 |
| Geico | $1,233 | NerdWallet rating 5.0 /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 5.0 /5 |
| MetLife | $1,296 | Not yet rated |
>> 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 5.0 /5 |
| MetLife | $1,275 | Not yet rated |
>> 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 5.0 /5 |
| MetLife | $1,256 | Not yet rated |
>> 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 5.0 /5 |
| MetLife | $1,240 | Not yet rated |
>> 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.
