Buying economical car insurance for a Ford Focus depends on a whole bunch of rating criteria such as how you use your vehicle, whether or not you garage your vehicle, and your choice of deductibles. Drivers pay around $1,029 annually for Focus insurance, but that cost is an estimation based upon a 50-year-old single female driver with full physical damage coverage and $1,000 deductibles.
When projecting a rate like this, the problem is that you are not 50 years old and maybe not even female, you might be married instead of single, or maybe you are just looking for cheap liability insurance. Having different needs demonstrates why the best way to find the cheapest coverage for your Ford is to do a thorough rate comparison.
The trim level of your Focus will influence the yearly cost, so the price you pay to insure a Focus S 4-Dr Sedan will be $164 less expensive the price to insure the more expensive Focus SES 2-Dr Coupe trim level, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$150||$334||$472||$28||$142||$1,126||$94|
|Focus SE 4-Dr Sedan||$150||$334||$472||$28||$142||$1,126||$94|
|Focus SEL 4-Dr Sedan||$150||$394||$472||$28||$142||$1,186||$99|
|Focus SES 4-Dr Sedan||$150||$394||$472||$28||$142||$1,186||$99|
|Focus SE 2-Dr Coupe||$172||$394||$532||$32||$160||$1,290||$108|
|Focus SES 2-Dr Coupe||$172||$394||$532||$32||$160||$1,290||$108|
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in specific zip code location which can raise or lower insurance rates significantly.
Finding reliable, low-cost car insurance is not easy, and finding out which company quotes the cheapest car insurance rates for a Ford Focus calls for even more work.
Each insurance company has a different process for filing rates in each state, so first let’s look at the rankings for the most budget-friendly car insurance companies in Orlando. We do need to point out that Orlando car insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Improving your credit score, moving across town, or having an accident may generate price changes resulting in some rates now being higher-priced than the competition.
Find the Cheapest Car Insurance for Your Focus
USAA quotes some of the cheapest car insurance rates in Orlando at around $986 a year. Amica, Electric, Progressive, and Travelers also qualify as some of the best Orlando, FL auto insurance companies.
As depicted above, if you buy coverage from Amica and switched to USAA, you could realize a yearly price reduction of in the neighborhood of $708. Policyholders with Electric could save as much as $778 a year, and Progressive insureds might realize rate reductions of up to $861 a year.
Remember that these premiums are averages across all ages of drivers and types of vehicles and do not factor in a specific vehicle garaging location for a Ford Focus. So the car insurance company that fits your situation best may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own specific driver information and vehicle.
How careless driving impacts Orlando car insurance rates
The ideal way to score low car insurance premiums for a Focus is to pay attention while driving and not receive tickets or have accidents. The illustration below demonstrates how speeding tickets and accident claims drive up car insurance costs for each different age category. The prices are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
In the previous chart, the average cost of a car insurance policy in Florida per year with no accidents or violations is $2,577. Receive one speeding ticket and the average cost rises to $2,921, an increase of $344 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for a Ford Focus jumps again to an average of $3,914. That’s an increase of $1,336, or $111 per month, just for not maintaining a clean driving record!
Types of discounts on Orlando auto insurance rates
Car insurance companies that provide coverage for a Ford Focus may also offer premium discounts that can lower rates by as much as 40% or more if you meet specific eligibility requirements. A list of car insurance companies and a summarized list of policyholder discounts can be found below.
- GEICO offers discounts including five-year accident-free, multi-policy, multi-vehicle, air bags, seat belt use, and daytime running lights.
- Travelers offers premium reductions for continuous insurance, save driver, student away at school, multi-car, new car, hybrid/electric vehicle, and IntelliDrive.
- Farm Bureau includes discounts for driver training, youthful driver, multi-vehicle, safe driver, multi-policy, and good student.
- Liberty Mutual policyholders can earn discounts including new vehicle discount, safety features, hybrid vehicle, preferred payment discount, and new graduate.
- American Family may have discounts that include mySafetyValet, air bags, accident-free, good student, TimeAway discount, good driver, and bundled insurance.
- Progressive may offer discounts for multi-policy, multi-vehicle, online quote discount, homeowner, and online signing.
The example below shows the comparison of annual premium costs with and without discounts applied to the premium. The rate quotes are based on a male driver, a clean driving record, no claims, Florida state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with anti-theft, multiple vehicle, passive restraint, accident-free, safe-driver, and defensive driving course discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Ford Focus is 28% or $602.
The chart below shows how choosing a deductible can affect annual premium costs when searching for cheap insurance for a Ford Focus. The prices are based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could reduce rates by $394 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $590 by selecting a $1,000 deductible. Youthful drivers, like the age 20 example, could possibly save up to $1,320 or even more by using a higher deductible.
If you make the decision to raise deductibles, it’s a good idea to have additional funds in a savings account to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
The agents shown below can probably answer your questions and help you decide which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get some help when trying to find lower insurance rates for a Ford Focus. It can be complicated to find the best policy on your own, and getting advice from a licensed Florida insurance agent can provide satisfaction knowing you have adequate asset protection.
To find an agent by location nearest to you, click the link at the bottom.
Bud Redditt Insurance Agency Inc
1716 W Colonial Dr – Orlando, FL 32804 – (407) 855-6797
Jim Daniels – State Farm Insurance Agent
4759 S Conway Rd – Orlando, FL 32812 – (407) 855-6791
Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996