The Ford Focus is a compact car that first debuted in the U.S. with the 2000 model year. While Ford officially discontinued the Focus after 2025, it remains a popular vehicle. The Focus was sold as a hatchback, sedan, coupe, and wagon to satisfy a wide range of car enthusiasts. No matter what kind of Ford Focus you drive, it needs to be protected with the right car insurance.
When it's time to find the best Ford Focus insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford Focus by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Focus Car Insurance
Ford Focus insurance costs an average of $2,100 per year, or approximately $175 per month, for full coverage in 2026.
Ford Focus insurance costs vary widely by state, with drivers in Wyoming paying an average of only $30 monthly for minimum coverage, while those in Louisiana pay $180.
American Family, USAA, and Progressive are the cheapest carriers for model-year 2018 Ford Focus insurance this year.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Focus insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Focus model.
What Is Ford Focus Insurance?
Ford Focus insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a compact car, the Focus is unlikely to require any additional coverage beyond that needed by standard sedans. Further, the Focus's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Ford Focus drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Ford Focus:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Working with a local independent insurance agent is a great way to ensure you meet your state's minimum requirements for auto insurance for your Ford Focus.
How Much Does Ford Focus Insurance Cost?
The average cost of car insurance for a Ford Focus is $2,100 per year, or approximately $175 per month, for full coverage. Minimum coverage for a Ford Focus costs an average of $1,090 annually, or approximately $91 monthly. However, several factors can influence the cost of Ford insurance, including:
- The specific type of Focus you drive
- The types and amount of coverage you need
- Your claims history
- Your location
- Your credit score (where allowed)
- Vehicle safety features
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Focus full coverage insurance or a basic Ford Focus liability insurance policy.
Is the Ford Focus Expensive to Insure?
No, the Ford Focus isn't expensive to insure on average when compared to other vehicles. The Focus's average monthly rate is actually the same as the average for all other cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Ford Focus | $175 |
| All Cars | $175 |
Average Ford Focus Insurance Rates Compared to Similar Vehicles
The Ford Focus's average monthly insurance rates are quite comparable with those of many similar vehicles, including the Chevrolet HHR, the Pontiac Vibe, and the Suzuki Aerio. The table below compares the Focus's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Chevrolet HHR | $106 |
| Pontiac Vibe | $106 |
| Suzuki Aerio | $107 |
| Ford Focus | $108 |
| Scion xB | $112 |
| Volvo V60 | $112 |
| Suzuki Forenza | $114 |
Ford Focus Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Focus and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2018 Ford Focus | $1,873 |
| 2017 Ford Focus | $1,803 |
| 2016 Ford Focus | $1,761 |
| 2015 Ford Focus | $1,686 |
| 2014 Ford Focus | $1,616 |
| 2013 Ford Focus | $1,582 |
| 2012 Ford Focus | $1,551 |
| 2011 Ford Focus | $1,503 |
Cheapest Ford Focus Car Insurance Companies for 2026
Many different carriers across the U.S. offer affordable Ford Focus auto insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2018 Focus insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost |
| American Family | $1,397 |
| USAA | $1,412 |
| Progressive | $1,457 |
| Erie | $1,669 |
| Nationwide | $2,209 |
| Allstate | $2,669 |
Ford Focus Car Insurance Rates by State
Car insurance premiums are heavily influenced by your location. Here are some average auto insurance rates for the Ford Focus by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $74 | $137 |
| Alaska | $65 | $136 |
| Arizona | $107 | $199 |
| Arkansas | $69 | $155 |
| California | $85 | $172 |
| Colorado | $82 | $196 |
| Connecticut | $129 | $221 |
| Delaware | $131 | $219 |
| Florida | $125 | $289 |
| Georgia | $141 | $231 |
| Hawaii | $48 | $107 |
| Idaho | $48 | $97 |
| Illinois | $82 | $153 |
| Indiana | $56 | $110 |
| Iowa | $46 | $111 |
| Kansas | $61 | $141 |
| Kentucky | $111 | $188 |
| Louisiana | $180 | $390 |
| Maine | $44 | $91 |
| Maryland | $145 | $245 |
| Massachusetts | $91 | $191 |
| Michigan | $133 | $255 |
| Minnesota | $71 | $147 |
| Mississippi | $74 | $146 |
| Missouri | $97 | $193 |
| Montana | $57 | $135 |
| Nebraska | $62 | $142 |
| Nevada | $165 | $299 |
| New Hampshire | $62 | $108 |
| New Jersey | $152 | $251 |
| New Mexico | $71 | $159 |
| New York | $113 | $202 |
| North Carolina | $71 | $139 |
| North Dakota | $47 | $102 |
| Ohio | $69 | $133 |
| Oklahoma | $78 | $173 |
| Oregon | $115 | $200 |
| Pennsylvania | $74 | $174 |
| Rhode Island | $113 | $200 |
| South Carolina | $94 | $174 |
| South Dakota | $43 | $130 |
| Tennessee | $69 | $139 |
| Texas | $114 | $233 |
| Utah | $99 | $167 |
| Vermont | $37 | $88 |
| Virginia | $86 | $139 |
| Washington | $85 | $158 |
| West Virginia | $74 | $151 |
| Wisconsin | $56 | $123 |
| Wyoming | $30 | $93 |
Average Ford Focus Insurance Rates by Trim Level
Your Focus's specific trim can also affect its car insurance costs. Here are some average Ford Focus insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Zx3 Hatchback 2d | $66 | $126 |
| Zx5 Hatchback 4d | $66 | $126 |
| Lx Sedan 4d | $66 | $126 |
| Zx4 Se Sedan 4d | $67 | $129 |
| Zts Sedan 4d | $67 | $129 |
| Zx3 Svt Hatchback 2d | $67 | $130 |
| Ztw Wagon 4d | $68 | $131 |
| Se Wagon 4d | $69 | $133 |
| Zx4 S Sedan 4d | $72 | $138 |
| Zx3 S Hatchback 2d | $75 | $144 |
| Zx3 Se Hatchback 2d | $77 | $147 |
| Zxw Se Wagon 4d | $77 | $149 |
| Zx4 Ses Sedan 4d | $79 | $152 |
| Se Sedan 4d | $80 | $155 |
| Zxw Ses Wagon 4d | $81 | $155 |
| Zx5 S Hatchback 4d | $81 | $156 |
| Zx5 Se Hatchback 4d | $82 | $157 |
| Zx4 St Sedan 4d | $82 | $158 |
| Zx5 Svt Hatchback 4d | $83 | $159 |
| S Hatchback 2d | $84 | $161 |
| Zx3 Ses Hatchback 2d | $86 | $165 |
| S Sedan 4d | $86 | $166 |
| Svt Hatchback 2d | $86 | $166 |
| Electric Hatchback 4d | $88 | $170 |
| S Hatchback 4d | $88 | $169 |
| S Coupe 2d | $89 | $172 |
| Zx5 Ses Hatchback 4d | $90 | $173 |
| Se Hatchback 2d | $91 | $175 |
| Se Hatchback 4d | $92 | $177 |
| Ses Hatchback 2d | $93 | $178 |
| Ses Hatchback 4d | $94 | $181 |
| Se Coupe 2d | $95 | $182 |
| St Sedan 4d | $95 | $183 |
| Titanium Sedan 4d | $97 | $187 |
| Ses Sedan 4d | $98 | $188 |
| Ses Wagon 4d | $100 | $191 |
| Ses Coupe 2d | $102 | $197 |
| Svt Hatchback 4d | $102 | $197 |
| Titanium Hatchback 4d | $102 | $198 |
| Sel Sedan 4d | $103 | $198 |
| Sel Hatchback 4d | $119 | $230 |
| St Hatchback 4d | $152 | $293 |
| Rs Hatchback 4d | $249 | $482 |
Average Ford Focus Insurance Rates by Driver Age
Your age also greatly impacts your car insurance costs. Teens and young drivers pay the most, on average, for Ford Focus insurance. Auto insurance rates tend to decline considerably starting around age 25. Here are some average insurance rates for a 2018 Ford Focus by driver age and insurance company for 2026.
| Insurance Company | Age 16 | Age 17 | Age 18 | Age 19 | Age 20 | Age 21 | Age 22 | Age 23 | Age 24 | Age 25 |
| Travelers | $1,272 | $915 | $720 | $555 | $488 | $364 | $332 | $306 | $282 | $246 |
| Progressive | $1,677 | $1,351 | $1,119 | $623 | $543 | $439 | $391 | $349 | $321 | $275 |
| Nationwide | $1,103 | $1,010 | $931 | $789 | $666 | $432 | $401 | $374 | $353 | $316 |
Best Ford Focus Insurance Discounts: How to Lower Your Ford Focus Insurance Premiums
Looking to save even more money on Ford Focus insurance? Follow any of the easy steps below to increase your savings today:
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Ford Focus insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Compare quotes from multiple carriers: Comparing Ford Focus insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Focus insurance from a trusted carrier near you.
Your local independent insurance agent knows where to find the most affordable Ford Focus insurance. They can also recommend even more ways to help reduce your premiums.
An Independent Insurance Agent Can Help You Get the Best Ford Focus Insurance Quotes
When it's time to find the most affordable Ford Focus insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Focus insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Focus Insurance
How much does Ford Focus insurance cost per year?
The average annual cost of full coverage for a Ford Focus is $2,100 per year, or approximately $175 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Focus insurance premiums?
Living in a high-theft rate area, having traffic violations or accidents on your record, filing claims in the past, and having poor credit can all lead to higher Ford Focus insurance premiums.
Is the Ford Focus expensive to insure?
No, the Ford Focus isn't expensive to insure on average. The Ford Focus's average monthly insurance costs are the same as those for other vehicles.
What are the best and cheapest carriers for Ford Focus insurance in 2026?
We found that American Family, USAA, and Progressive are the best and cheapest car insurance companies for model-year 2018 Ford Focus insurance this year.
Is insurance cheaper for the Ford Focus than for other Ford vehicles?
No, the Ford Focus's average monthly insurance rate of $175 is more expensive than that for other Ford vehicles, which average $163.
How can I get cheaper Ford Focus insurance?
Finding cheaper Ford Focus insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.thezebra.com/auto-insurance/vehicles/ford/focus/
https://www.moneygeek.com/insurance/auto/ford-focus-insurance/
https://www.insuranceopedia.com/auto-insurance/ford-expedition-car-insurance