Finding cheaper coverage for a Ford Focus doesn’t take too much effort, but it depends on a very complex rating algorithm that uses multiple factors such as whether you are married, the likelihood of your vehicle being stolen, and if you have tickets or violations. Drivers in Ohio will pay around $763 annually for Focus insurance, but that price is a valuation calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $100 deductibles.
Odds are that you’re not a 30-year-old female, single instead of married, or maybe you just want liability only. Not everyone needs the same coverages, so the best method for finding the cheapest rates for your Ford is to just take the time to compare rates yourself.
Your Ford’s trim level tends to have a direct impact on the yearly cost, so the price to insure a Focus S 4-Dr Sedan model will be $126 lower than the cost to insure the higher-priced Focus SES 2-Dr Coupe model, as shown in the chart below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$166||$346||$232||$14||$70||$828||$69|
|Focus SE 4-Dr Sedan||$166||$346||$232||$14||$70||$828||$69|
|Focus SEL 4-Dr Sedan||$166||$408||$232||$14||$70||$890||$74|
|Focus SES 4-Dr Sedan||$166||$408||$232||$14||$70||$890||$74|
|Focus SE 2-Dr Coupe||$190||$408||$262||$16||$78||$954||$80|
|Focus SES 2-Dr Coupe||$190||$408||$262||$16||$78||$954||$80|
|Get Your Own Custom Quote Go|
Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Ohio minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in zip code location which can change rates substantially.
Deciphering which companies quote the lowest-priced insurance rates for a Ford Focus involves a bit more effort than just picking a company at random.
Each auto insurance company has a different formula to establish rates, so let’s look at the rankings for the most competitive insurance companies in Ohio. It’s a good idea to be aware that Toledo, OH insurance rates are determined by lots of factors that will increase or decrease the price you pay for coverage. Simply improving your credit, having a claim, or getting a couple of tickets can trigger rate changes that can cause some rates to be more affordable than others.
Cheapest Insurance Rates for Your Focus
Utica National generally has some of the lowest car insurance rates in Toledo at around $635 annually. Erie, Allied, Frankenmuth, and USAA also make the cut as some of the lowest-priced Toledo, OH car insurance companies.
As the example above demonstrates, if you currently have a policy with Allied and switched to Utica National, you could earn an annual savings of around $62. Insureds with Frankenmuth could save as much as $73 a year, and USAA policyholders might lower prices by up to $76 a year.
Remember that these policy prices are averaged across all drivers and vehicles in Ohio and are not factoring in an exact zip code location for a Ford Focus. So the car insurance company that fits your age and vehicle best may not even be in the top 33 companies shown above. That points out the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.
Get discount Toledo auto insurance
Auto insurance companies that offer coverage for a Ford Focus could also offer discounts that can lower rates by as much as 30% if you meet certain criteria. The best insurance companies and the discounts they provide can be read below.
- Farm Bureau discounts include renewal discount, multi-vehicle, 55 and retired, youthful driver, and multi-policy.
- Liberty Mutual has savings for good student, teen driver discount, preferred payment discount, exclusive group savings, new move discount, safety features, and multi-car.
- State Farm may offer discounts for multiple policy, safe vehicle, anti-theft, multiple autos, passive restraint, defensive driving training, and good student.
- Auto-Owners Insurance may have discounts that include good student, paperless, group or association, anti-lock brakes, teen driver, and multi-policy.
- GEICO has discounts for anti-lock brakes, federal employee, defensive driver, military active duty, membership and employees, and five-year accident-free.
- SAFECO offers discounts including teen safe driver, accident prevention training, safe driver, teen safety rewards, multi-car, and anti-lock brakes.
The example below visualizes the comparison of yearly insurance costs with and without discounts. The rate quotes are based on a female driver, no violations or claims, Ohio state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, claim-free, safe-driver, defensive driving course, anti-theft, and passive restraint discounts applied. With discounts applied, theaverage amount saved on insurance for a Ford Focus is 28% or $421.
The illustration below demonstrates how choosing different deductibles can increase or decrease annual premium costs when quoting cheap insurance for a Ford Focus. The rate quotes are based on a married female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could pocket $206 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $312 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could roll back prices up to $442 or even more by selecting a higher deductible. When increasing deductibles, it will be necessary to have emergency funds available to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Do you need full coverage?
Finding the cheapest insurance is the goal of the majority of drivers, and a good way to reduce the cost of insurance for a Ford Focus is to only buy liability coverage. The illustration below shows the comparison of car insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The rate quotes are based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.
If we average the cost for ages 20 through 70, physical damage coverage costs an extra $1,491 per year more than just insuring for liability. That proposes the question if it’s worth it to buy full coverage. There is no clear-cut rule for eliminating physical damage coverage, but there is a general school of thought. If the yearly cost of full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.