Cheap Ford Focus Car Insurance in 2024 (Earn Savings With These 10 Companies!)
Progressive, Erie, and AIG offer cheap Ford Focus car insurance, starting at just $42 monthly. These companies excel in providing affordability and comprehensive coverage, making them the top choices for Ford Focus owners seeking exceptional value and security in their vehicle insurance needs.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Oct 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Min. Coverage for Ford Focus
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
1,814 reviewsCompany Facts
Min. Coverage for Ford Focus
A.M. Best Rating
Complaint Level
Pros & Cons
1,814 reviews
163 reviewsCompany Facts
Min. Coverage for Ford Focus
A.M. Best Rating
Complaint Level
Pros & Cons
163 reviews
The top providers of cheap Ford Focus car insurance are Progressive, Erie, and AIG, known for their competitive rates and robust coverage options.
These companies have been rigorously evaluated based on their affordability, customer service, and comprehensive policy offerings. By choosing one of these providers, Ford Focus owners can enjoy substantial savings while securing robust protection for their vehicle. Learn more in our article titled “Ford Car Insurance Discount.”
Our Top 10 Company Picks: Cheap Ford Focus Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $42 A+ Competitive Rates Progressive
#2 $43 A+ Customer Service Erie
#3 $44 A Flexible Policies AIG
#4 $45 B Nationwide Coverage State Farm
#5 $46 A+ Comprehensive Plans Nationwide
#6 $46 A++ Reliable Service Travelers
#7 $47 A+ Extensive Network Allstate
#8 $48 A Multiple Discounts Liberty Mutual
#9 $49 A Personalized Coverage Farmers
#10 $50 A++ Premium Protection Chubb
This guide will help you navigate the complexities of choosing the right insurance, ensuring you get the best possible deal with maximum benefits.
Searching for more affordable premiums? Insert your ZIP code above to get started on finding the right provider for you and your budget.
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#1 – Progressive: Top Overall Pick
Pros
- Affordable Premiums: Progressive offers some of the most competitive rates, starting at $42 monthly.
- Loyalty Rewards: Customers benefit from discounts and perks as long-term policyholders. Read up on the “Progressive Insurance Review & Ratings” for more information.
- Customizable Plans: Progressive allows extensive customization of policies to fit individual needs.
Cons
- Customer Service Variability: Service quality can vary significantly from one region to another.
- Claim Process Issues: Some customers report delays and complications in the claim filing process.
#2 – Erie: Best for Customer Service
Pros
- Exceptional Support: Erie is renowned for its customer-first approach and responsive service.
- Rate Lock Feature: Erie offers a rate lock option, ensuring your premium stays the same over time.
- Full Replacement Cost: Policies can include full replacement cost without depreciation. Discover insights in our article titled Erie insurance review & ratings.
Cons
- Geographical Limitations: Erie’s coverage is not available in all states.
- Fewer Online Resources: Their digital tools and online services are less robust compared to peers.
#3 – AIG: Best for Flexible Policies
Pros
- Customization Flexibility: AIG offers highly flexible policies that can be tailored to specific needs.
- Global Coverage Options: Ideal for those who need international coverage options. See more details on our article titled AIG insurance review & ratings.
- High-Value Asset Insurance: Specializes in coverage for high-value items and properties.
Cons
- Higher Premiums for Flexibility: The cost can be higher due to the flexible nature of their policies.
- Complex Policy Structures: Policies can be complex, which might confuse some customers.
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#4 – State Farm: Best for Nationwide Coverage
Pros
- Bundling Policies: Significant discounts for bundling multiple insurance policies.
- High Low-Mileage Discount: Substantial discount for low-mileage usage. More information is available about this provider in our article titled State Farm car insurance review & ratings.
- Wide Coverage: Various coverage options tailored for different business needs.
Cons
- Limited Multi-Policy Discount: Not as high compared to some competitors.
- Premium Costs: Premiums might still be relatively higher for certain coverage levels.
#5 – Nationwide: Best for Comprehensive Plans
Pros
- Broad Coverage Options: Nationwide offers a wide range of comprehensive insurance plans.
- Vanishing Deductible: Deductible decreases for each year of accident-free driving.
- SmartRide Program: Discount program for safe driving habits. Check out insurance savings in our complete Nationwide insurance review & ratings.
Cons
- Policy Costs: Comprehensive plans can be more expensive.
- Average Claims Satisfaction: Mixed reviews on the claims process efficiency.
#6 – Travelers: Best for Reliable Service
Pros
- Stable Rates: Known for stable and predictable insurance costs. Discover more about offerings in our article titled Travelers insurance review & ratings.
- High Claims Satisfaction: Generally high customer satisfaction with the claims process.
- Wide Range of Discounts: Multiple discount opportunities for various customer profiles.
Cons
- Policy Cost Variability: Rates can vary significantly between states.
- Limited Customization: Fewer options for policy customization compared to competitors.
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#7 – Allstate: Best for Extensive Network
Pros
- Widespread Availability: Extensive network with agents available nationwide.
- Innovative Tools: Offers digital apps and tools for claims and policy management.
- Safe Driving Bonuses: Bonuses and discounts for safe drivers. Access comprehensive insights into our article titled Allstate insurance review & ratings.
Cons
- Higher Rates: Generally higher premiums, especially for new customers.
- Variable Customer Service: Service quality can vary by location and agent.
#8 – Liberty Mutual: Best for Multiple Discounts
Pros
- Multiple Discount Offers: Wide variety of discounts available, enhancing affordability.
- Customizable Packages: Flexible packages to suit different insurance needs. Delve into our evaluation of Liberty Mutual review & ratings.
- Accident Forgiveness: Policies include accident forgiveness elements, preventing premium spikes.
Cons
- Inconsistent Pricing: Premiums can vary widely depending on applicant demographics.
- Customer Service Issues: Some customers report dissatisfaction with claim handling.
#9 – Farmers: Best for Personalized Coverage
Pros
- Tailored Policies: Offers highly personalized policies to meet individual customer needs.
- Dedicated Agents: Access to dedicated agents for personalized service. Unlock details in our article titled Farmers car insurance review & ratings.
- Educational Resources: Provides extensive resources to help customers understand their coverage.
Cons
- Costly Premiums: Generally higher rates compared to other insurers.
- Limited Availability: Not available in all states, limiting access for some potential customers.
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#10 – Chubb: Best for Premium Protection
Pros
- High-End Coverage: Specializes in insurance for high-value properties and possessions. If you want to learn more about the company, head to our article titled Chubb insurance review & ratings.
- Superior Claims Service: Known for an efficient and customer-friendly claims process.
- Risk Consulting Services: Offers risk consulting to help clients minimize potential losses.
Cons
- Premium Pricing: Among the most expensive, reflecting its focus on high-end coverage.
- Niche Market Focus: Less suited for standard insurance needs, focusing more on affluent clients.
Ford Focus Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AIG $44 $122
Allstate $47 $125
Chubb $50 $130
Erie $43 $118
Farmers $49 $128
Liberty Mutual $48 $127
Nationwide $46 $123
Progressive $42 $115
State Farm $45 $120
Travelers $46 $121
For Ford Focus owners, the monthly car insurance rates can vary significantly depending on the provider and the level of coverage chosen. Starting with the most affordable, Progressive offers minimum coverage at $42 and full coverage at $115. Erie follows closely with a minimum rate of $43 and a comprehensive plan at $118.
On the higher end, Chubb charges $50 for minimum and $130 for full coverage. It’s crucial for car owners to compare these rates to find a balance between cost and coverage adequacy. See more details on our article titled “Full Coverage Car Insurance: A Complete Guide.”
Each company’s rates reflect a range of insurance benefits, adjusted for risk factors and coverage extent, providing options for both essential and more comprehensive insurance needs.
Factors That Affect Ford Focus Car Insurance Rates
The cost of car insurance for a Ford Focus depends on several factors. The age and model of your vehicle significantly influence your rates—newer, more expensive models generally have higher premiums due to costlier repairs and replacements. Safety features and anti-theft devices can also affect rates, so it’s wise to consider these when choosing your Ford Focus model.
Your driving record is crucial too. Insurers look at your history of accidents, tickets, and claims to determine your rates. A clean driving record can lead to lower premiums. Where you live also matters, as urban areas with higher crime or accident rates tend to have higher insurance costs compared to rural areas.
Your credit history is another important factor; a good credit score can mean lower premiums because it signals financial responsibility. How you use your Ford Focus—whether for personal or business purposes—and the car’s annual mileage also play roles in setting your insurance rates. Cars used more frequently or for business are often more expensive to insure.
Finally, the type of coverage you choose affects your rates. Options like liability-only or comprehensive coverage vary in cost, and adding extras like roadside assistance or rental car reimbursement can increase your premium. It’s essential to balance your coverage needs with your budget when selecting your Ford Focus insurance options. Unlock details in our article titled “How does the insurance company determine my premium?”
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Understanding the Different Types of Car Insurance for a Ford Focus
When considering car insurance for your Ford Focus, it’s essential to understand the different types of coverage available. The most common types of car insurance include liability coverage, collision coverage, and comprehensive coverage. Discover insights in our article titled “Collision vs. Comprehensive Car Insurance.”
Most states require liability coverage, which covers damages or injuries your Ford Focus might cause to others, but it does not cover your own vehicle or injuries. Collision coverage is essential, especially if your vehicle is financed or leased, as it covers damages to your Ford Focus regardless of fault. Comprehensive coverage protects against non-collision incidents like theft and natural disasters, offering a broader protection scope.
When choosing car insurance for your Ford Focus, consider additional coverage options for enhanced security and convenience. Many insurers offer specialized coverages such as roadside assistance, which includes services like towing, fuel delivery, and jump-starts in case of a breakdown. Rental car reimbursement is also available to cover the cost of a temporary vehicle while your Ford Focus is being repaired after an accident.
Additionally, if you have a loan or lease on your Ford Focus, consider gap insurance, which covers the difference between your vehicle’s actual cash value and the remaining balance on your loan or lease if your car is declared a total loss. Before deciding, review each coverage option’s terms and consider your needs and budget. Consulting an insurance agent can also help you choose the right car insurance for your Ford Focus.
Case Studies: Best Car Insurance for Ford Focus Owners
Choosing the right car insurance is crucial for Ford Focus owners seeking to ensure comprehensive coverage and maximize the value they receive.
Kristine Lee Licensed Insurance Agent
The process involves more than just finding the lowest price; it requires understanding the different types of coverage available and identifying which ones align with your specific needs. The case studies below showcase how Progressive, Erie, and AIG excel in providing exceptional service and customized solutions.
- Case Study #1 – Progressive’s Cost-Effective Coverage: John opted for Progressive due to its reputation for cheap Ford Focus car insurance. When he accidentally rear-ended another car, Progressive’s efficient claims process and affordable deductible minimized his out-of-pocket expenses and stress.
- Case Study #2 – Erie’s Exceptional Customer Service: Sarah chose Erie for her Ford Focus because of their top-tier customer service. After a hailstorm damaged her car, Erie’s quick response and comprehensive coverage ensured her vehicle was repaired swiftly and thoroughly, without any hassles.
- Case Study #3 – AIG’s Flexible Policy Options: Mark appreciated AIG for its flexibility in customizing policies. He was able to add additional coverages specific to his needs as a Ford Focus owner, which came in handy when his car was vandalized, covering all repair costs under his personalized policy.
These scenarios highlight the importance of selecting a car insurance provider that offers not only competitive rates but also tailored coverage and responsive service, ensuring Ford Focus owners receive the best possible protection and support.
Understanding how insurance works can feel complicated, but finding affordable rates doesn’t have to be. Enter your ZIP code below for the best insurance rates possible.
Frequently Asked Questions
What factors affect the cost of Ford Focus car insurance?
The cost of Ford Focus car insurance can vary based on several factors such as the driver’s age, location, driving record, coverage options, deductible amount, and the insurance provider’s rates.
For additional details, explore our comprehensive resource titled “What age do you get cheap car insurance?”
Are Ford Focus cars generally more expensive to insure compared to other vehicles?
The cost of insurance for a Ford Focus is typically average compared to other vehicles in its class. However, insurance rates can vary depending on the specific model, trim level, and other factors.
Is it more affordable to insure an older Ford Focus model?
In general, older Ford Focus models may have lower insurance costs compared to newer models. This is because older cars usually have lower market values, which can result in lower insurance premiums. However, other factors such as safety features and repair costs can also influence insurance rates.
Do insurance rates for a Ford Focus vary by location?
Yes, insurance rates for a Ford Focus can vary based on the location where the car is primarily driven and parked. Areas with higher rates of accidents, theft, or vandalism may have higher insurance premiums compared to areas with lower risk factors.
Are there any specific safety features that can lower the insurance cost for a Ford Focus?
Yes, certain safety features on a Ford Focus can potentially lower the insurance cost. Features such as anti-lock brakes, airbags, electronic stability control, and advanced driver-assistance systems may qualify for discounts or lower rates from insurance providers.
To find out more, explore our guide titled “Best Safety Features Car Insurance Discounts.”
How much is insurance for a Ford Focus?
The cost of insurance for a Ford Focus depends on various factors including the model year, your driving record, and the insurance provider, but generally, premiums start as low as $42 per month for basic coverage.
Who is offering cheapest car insurance?
According to our research team’s cost analysis of national average prices for minimum coverage, Geico offers the lowest car insurance rate at approximately $38 per month. The top 10 most affordable car insurance providers include Nationwide, Geico, State Farm, Travelers, Progressive, AAA, Allstate, Chubb, Farmers, and USAA.
What type of car insurance is cheapest?
Generally, fully comprehensive insurance tends to be the most affordable option, although individual circumstances can affect the prices.
Is a Ford Focus a good first car?
The Ford Focus is a favored choice for new drivers due to its straightforward steering and control, ultimate comfort, and reliable performance. These attributes combine to deliver an enjoyable and confident driving experience, making it ideal for those who are beginning to drive independently.
To learn more, explore our comprehensive resource on “Cheapest Car Insurance for 23-Year-Old Drivers.”
What is the cheapest Ford to insure?
The Ford Ka+ and Fiesta are the most affordable models to insure on a monthly basis.
Is Ford Focus a long lasting car?
Indeed, with appropriate upkeep, a Ford Focus can reach between 200,000 and 250,000 miles. With exceptional care, some have even surpassed 400,000 miles.
See which companies have the cheapest rates for you by entering your ZIP code in our free comparison tool below.
Are Ford Focus cheap to fix?
Ford Focus vehicles are dependable and well-suited for urban living, appealing to a wide range of people from students to executives. Repair costs for a Ford Focus can vary significantly, ranging from $180 to $5,000, depending on the part that needs repair and the severity of the damage.
What insurance does Ford use?
Ford Insure is underwritten by Nationwide Insurance Company of America (NICOA) in California, Nationwide General Company in New York, and by Nationwide Mutual Insurance Company and affiliates in all other states.
Learn more by reading our guide titled “How To Get Free Insurance Quotes Online.”
What is the most common problem with Ford Focus?
The dual-clutch automatic transmission in the Ford Focus frequently encounters issues. Common problems with the Ford Focus include erratic engine RPMs, pre-ignition at low speeds, and engine stalling. Additionally, problems often arise in the exhaust, fuel system, transmission, steering, and with the ignition key.
What year did the Ford Focus have a bad transmission?
The vehicles affected include the Ford Fiesta from model years 2011 to 2016 and the Ford Focus from model years 2012 to 2016, both equipped with a PowerShift transmission.
Why is Ford discontinuing the Focus?
Ford has reiterated its commitment to having an all-electric vehicle lineup by 2030, with a milestone goal of making all its European models either electric or hybrid by 2026. As part of this environmentally friendly initiative, the American automaker has confirmed its decision to phase out the iconic Focus hatchback.
What is high mileage for a Ford Focus?
We’ve noted that a typical Ford Focus can reach 200,000 to 250,000 miles with relative ease. Thus, it’s reasonable to consider high mileage for the Ford Focus to be around 150,000 miles and higher. When the vehicle approaches this mileage, it is nearing a condition where frequent and costly repairs may become necessary.
Access comprehensive insights into our guide titled “Mileage-Based Car Insurance: A Complete Guide.”
Is a second hand Ford Focus reliable?
In the Reliability Survey, the Focus ranked ninth in its petrol version and eleventh in diesel, out of 29 family cars assessed. Accordingly, the Focus is more reliable than the 2013-2020 Volkswagen Golf but falls short of the reliability offered by the 2013-2020 Seat Leon and the 2013-2020 Skoda Octavia.
Why you should buy a Ford Focus?
The Ford Focus is a cost-effective choice because of its low purchase price and the affordability of its parts. As a highly popular model, parts for the Focus are readily available and typically low-priced. This accessibility ensures that maintaining your Focus in excellent condition remains economical.
Does insurance go down after paying off a car?
Car insurance premiums don’t necessarily decrease once your car is paid off, but you might be able to reduce your premium by eliminating coverage that’s no longer necessary. Lenders that provide financing for your vehicle purchase are known as lienholders.
Stop overpaying for your insurance by entering your ZIP code below to find the lowest rates in your area.
Compare The Best Insurance Quotes In The Country
Compare quotes from the top insurance companies and save!
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
