Ford Focus Insurance: by Model Year & Company

Ford Focus insurance costs an average of $826 for a 6-month full coverage policy. American Family offers the cheapest rate for the latest Ford Focus at $116/mo or $698 for a 6-month full coverage policy.

Shopping around? Use our calculator to compare average insurance rates by vehicle.
Know your vehicle? Get a personalized quote by entering your zip code.

What to know about insuring a Ford Focus:

The Focus costs less to insure than most sedans. Averaging $138/mo for the Focus versus $203/mo for typical sedans.
If you're considering a vehicle similar to the Focus, like the Ford C-MAX Hybrid ($145/mo), Ford Edge ($142/mo), or Ford Expedition EL ($145/mo), your insurance costs will be cheaper.
USAA ($100/mo), American Family ($105/mo), Progressive ($112/mo) offer the cheapest full coverage rates.

The rates displayed are based on a full coverage 30-year-old male driver with no violations in 2025. Customizations to your vehicle (trim or modifications) and your driving history will impact your insurance costs. Consider these rates as a jumping off point for your search.

Compare Ford Focus insurance costs vs other vehicles

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2018 Ford Focus

Av. Cost Per Year$1,873

Av. Per Month$156

Cheapest Companies

USAA$87/m

American Family$94/m

Progressive$101/m

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How much does it cost to insure my Ford Focus?

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2018 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
American Family	$1,397
USAA	$1,412
Progressive	$1,457
State Farm	$1,628
Erie	$1,669
GEICO	$1,758
Nationwide	$2,209
Farmers	$2,431
Allstate	$2,669

Compare all 2018 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,873

2017 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,268
American Family	$1,343
Progressive	$1,447
State Farm	$1,603
Erie	$1,617
GEICO	$1,698
Nationwide	$2,319
Farmers	$2,335
Allstate	$2,408

Compare all 2017 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,803

2016 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,246
American Family	$1,331
Progressive	$1,436
State Farm	$1,524
Erie	$1,624
GEICO	$1,658
Nationwide	$2,148
Farmers	$2,298
Allstate	$2,438

Compare all 2016 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,761

2015 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,197
American Family	$1,300
Progressive	$1,374
State Farm	$1,440
Erie	$1,561
GEICO	$1,611
Nationwide	$1,979
Farmers	$2,231
Allstate	$2,360

Compare all 2015 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,686

2014 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,164
American Family	$1,248
Progressive	$1,298
State Farm	$1,354
Erie	$1,527
GEICO	$1,608
Nationwide	$1,848
Farmers	$2,122
Allstate	$2,226

Compare all 2014 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,616

2013 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,121
American Family	$1,199
Progressive	$1,289
State Farm	$1,349
Erie	$1,484
GEICO	$1,569
Nationwide	$1,825
Farmers	$2,075
Allstate	$2,164

Compare all 2013 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,582

2012 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,110
American Family	$1,171
Progressive	$1,266
State Farm	$1,300
Erie	$1,438
GEICO	$1,510
Nationwide	$1,761
Farmers	$2,004
Allstate	$2,212

Compare all 2012 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,551

2011 Ford Focus

Cheapest Insurance Companies	Average Annual Cost
USAA	$1,040
American Family	$1,133
Progressive	$1,209
State Farm	$1,248
Erie	$1,346
GEICO	$1,447
Nationwide	$1,723
Farmers	$1,875
Allstate	$2,257

Compare all 2011 Ford Focus insurance rates.

Average Cost to Insure Per Year

$1,503