Focus Insurance

(And how to get the lowest premiums)

Ford Focus

The Ford Focus is an economical and practical four-door car with a few extras that making driving more fun. Ford completely redesigned the 2020 Focus, which is available in the US as a raised hatchback. 

Whether you are shopping for a new or used Ford Focus or wondering if you could get a better car insurance rate for the Focus you currently drive, it's important to understand what factors influence your premiums. You need an insurance agent and company that can help you get the right combination of value and coverage. Not sure where to look? has a find-an-agent tool that can match you with a local independent insurance agent who will walk you through your options and help you find the best possible coverage for your Ford Focus. 

What Kind of Insurance Do You Need for Your Ford Focus?

Bodily Injury Liability

If you are in an accident and someone else is hurt, your bodily injury liability coverage will handle the costs associated with their injuries. 

Property Damage Liability

Property damage liability covers damage to someone else's home, vehicle, or building. You are liable if you are the driver who caused the accident. 

In many states, there are minimum amounts of liability insurance you must carry. Talk with your agent about how much coverage you need. If the damage exceeds the limits of your insurance, you could be personally financially responsible. 

Medical Payments/Personal Injury Protection

Medical payments or personal injury protection can help cover the costs of recovering from an accident for you and your passengers. Check with your agent to understand the key differences between the policy types, and also because not every state has medical payments insurance as an option. 

Uninsured Motorist Coverage

Even if you are adequately insured, the drivers around you may not have enough coverage to pay the costs of an accident they cause. In most states it's illegal to drive without auto insurance, but people do it anyway. Uninsured and underinsured motorist coverage offers an extra layer of protection that pays the costs of an accident if the at-fault driver comes up short. 

Optional Coverage:


If you have collision coverage, the insurance company pays to repair or replace your Focus. You'll pay the deductible, and they'll handle the rest of the bill for a covered accident. If your Ford Focus is more than a few years old, it may not be worth the extra cost to add collision coverage to your auto insurance policy. However, if you have a loan on your car, the lienholder may require you to carry minimum amounts of insurance. 


If your vehicle sustains damage not covered by your collision policy, your comprehensive coverage may pick up the costs, minus your deductible. If your car is vandalized, hit by a falling object, or you hit an animal, comprehensive insurance coverage will pay the costs of repairing your Focus, up to the fair market value of the vehicle. 

Glass Coverage

A broken windshield requires your immediate attention, but it can be an expensive fix. Glass coverage handles that cost so you don't have to pay to replace your windshield out of pocket. Your agent can help you understand how a zero-deductible glass policy works. 

Gap Insurance

If you have a lease or loan on your Ford Focus and you are in an accident that the insurance company considers a total loss, you (or your lienholder) will receive a check for the vehicle's fair market value. If you owe more on the car than it's worth, you are personally responsible to pay off the loan or lease. Gap coverage is designed to cover the gap between what you owe and what the car is worth. 

What Affects the Cost of Insurance for Your Ford Focus?

Annual mileage: Driving your Ford Focus more than 10,000 to 15,000 miles per year could cause your insurance rates to go up slightly.

Your driving record: Ford Focus owners with spotless driving records could save as much as 40% on their insurance rates. 

The value of your vehicle: 2020 Ford Focus prices start at about $19,000. You could pay thousands more if you choose higher trim levels, however. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Average Ford Focus Insurance Costs

While the average 40-year-old Ford Focus driver with a good driving record pays $1,160 per year, it's important to get a personalized quote so you can understand how your situation affects your insurance rates. 

Those with an at-fault accident or driving violations on their record, younger drivers, and some drivers who live in densely populated areas should expect to pay higher-than-average rates. 

The Safety of Your Ford Focus

The 2020 Ford Focus is completely redesigned, with new standard safety features that could help reduce your insurance rates. Co-Pilot 360 comes with every 2020 Ford Focus sold in the United States. Drivers get automatic emergency braking with pedestrian detection, lane keeping assist, automatic high beams, blind spot warning, and forward collision warning. 

The National Highway Traffic Safety Administration (NHTSA) gave the 2018 Ford Focus an overall five-star safety rating. It hasn't issued a report on the 2020 model. The Insurance Institute for Highway Safety (IIHS) gave it a "good" rating in nearly every crash test category. The IIHS ratings apply to the 2012-2018 Ford Focus models. They gave the 4-door sedan an "acceptable" overall safety rating, which is a step below their "good" designation. 

How Location Affects Your Ford Focus Insurance 

Ford Focus drivers in Los Angeles pay an average of $2,286 per year for car insurance. In Columbus, that number drops to $1,118. Here's the breakdown of average Ford Focus insurance costs by city:

Average annual insurance costs for a Ford Focus
LA $2,286
New York City $2,112
Houston $2,096
Jacksonville $1,940
Philadelphia $1,786
Chicago $1,786
Phoenix $1,554
Seattle $1,303
Indianapolis $1,137
Columbus $1,118

Additional Factors that Affect Your Ford Focus Insurance Premiums

  • Safety features like anti-theft devices
  • Age
  • Gender
  • Deductible
  • Credit

Average Cost to Insure a Ford Focus

Average annual cost to insure a Ford Focus with full coverage: $1,724
Teens: $5,100
High-Risk drivers: $2,920
High Deductibles: $1,160
Low Deductibles: $1,684
Top three most expensive states for Ford Focus insurance:
Missouri, New Hampshire, Vermont $1,030
Top three most affordable states for Ford Focus insurance: 
 Michigan, New York, Louisiana $1,910

Top Independent Insurance Carriers That Insure the Ford Focus

According to a recent US Independent Insurance Agent Satisfaction Study by JD Power, the following companies provide excellent service to their insurance customers: 

  1. Progressive
  2. Safeco
  3. Travelers

Each insurance company has its own method of calculating insurance rates. An independent insurance agent can help you choose a company that offers a competitive rate and also has a reputation for excellent customer service. 

Get a Ford Focus Quote

Reach out to a agent today to get a quote for insurance on your Ford Focus. An independent insurance agent can shop dozens of insurance companies, so you'll get the most value with the right type of auto insurance.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn Article | Reviewed by Greg Safford

©2023, Consumer Agent Portal, LLC. All rights reserved.

IIHS, Consumer Reports, Quote Inspector,, JD Power, Car and Driver