Buying economical auto insurance for a Ford Focus depends on many factors such as age of the driver, the performance level of your vehicle, and if you have tickets or violations. Drivers pay on average $682 annually for Focus insurance, but that amount is an estimation calculated based on a 40-year-old single male driver with full physical damage coverage and $1,000 deductibles.
The issue with using an average estimated rate is the likelihood you may not be 40 years old (or even male), maybe you are married instead of single, and maybe your Focus just needs liability-only coverage. Just a slight change in rating factors or requested coverage amount could result in a significant change in how much insurance for a Ford Focus costs.
Auto insurance is unique to each driver, so the best method for finding cheap insurance rates for your Ford is to put in the effort to do a thorough rate comparison.
The specific model of Focus can impact the annual cost of coverage, so the price you will be charged to insure a Focus S 4-Dr Sedan will be $108 cheaper than the price to insure the high end Focus SES 2-Dr Coupe model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$102||$234||$302||$18||$90||$746||$62|
|Focus SE 4-Dr Sedan||$102||$234||$302||$18||$90||$746||$62|
|Focus SEL 4-Dr Sedan||$102||$276||$302||$18||$90||$788||$66|
|Focus SES 4-Dr Sedan||$102||$276||$302||$18||$90||$788||$66|
|Focus SE 2-Dr Coupe||$116||$276||$340||$20||$102||$854||$71|
|Focus SES 2-Dr Coupe||$116||$276||$340||$20||$102||$854||$71|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in garaging location in Greensboro which can impact coverage rates substantially.
Insuring your vehicle with the top car insurance provider is hard considering how many different companies sell coverage in Greensboro. The company ratings shown next could help you analyze which auto insurance companies to look at when shopping car insurance rates for a Ford Focus.
These ratings are only comprised of large insurance companies, so smaller regional companies are not factored into the list. To compare price quotes from these companies and more, follow this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Greensboro car insurance
Auto insurance companies that provide coverage for a Ford Focus may also provide policy discounts that could potentially reduce rates by 35% or more if you can meet the requirements. Large car insurance companies and a selection of discounts are shown below.
- State Farm may offer discounts for good driver, accident-free, defensive driving training, passive restraint, good student, safe vehicle, and driver’s education.
- Farmers Insurance may have discounts that include electronic funds transfer, alternative fuel, homeowner, early shopping, and good student.
- GEICO has savings for air bags, federal employee, multi-policy, good student, and multi-vehicle.
- American Family offers discounts including air bags, TimeAway discount, mySafetyValet, early bird, bundled insurance, and good driver.
- Nationwide offers premium reductions for accident-free, good student, defensive driving, multi-policy, and easy pay.
- Progressive has discounts for good student, online signing, multi-vehicle, continuous coverage, and online quote discount.
The diagram below visualizes the comparison of insurance costs with and without discounts applied. The price estimates are based on a female driver, no claims, a clean driving record, North Carolina state minimum liability limits, comp and collision included, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple vehicle, safe-driver, anti-theft, multiple policy, marriage, and defensive driving course discounts applied. With discounts applied, the average savings per year on car insurance for a Ford Focus is 28% or $362.
Why you are probably overpaying for Focus insurance
Greensboro, NC car insurance rates are impacted by many factors that control the price of coverage. Improving your credit rating, buying higher coverage limits, or getting a ticket for running a stop sign may prompt premium changes that can cause some rates to be cheaper in comparison to the competition.
Additionally, insurers file new rates without warning to reflect underwriting profits or losses. Significantly higher claims may cause rate increases, while profitable underwriting can produce lower-cost Focus insurance rates.
To illustrate this example, the graph below shows the companies that have the cheapest car insurance in Greensboro, NC for a 30-year-old female driver with a clear driving record, no claims, and good credit. If we look at prices based on her current risk profile, Utica National may offer the lowest car insurance rates in Greensboro at $773 annually. This is $99 less than the average price paid by North Carolina drivers of $872. Progressive, Liberty Mutual, Penn National, and NC Farm Bureau are also on the list of the cheapest Greensboro, NC auto insurance companies.
The chart below compares rates after we give the driver from the first example a couple of claims, bad credit, and an imperfect driving record. Because every insurance company has a unique formula for setting prices, analyzing rates could now result in a slightly different list of the cheapest car insurance companies in Greensboro as shown below.
Titan now has the lowest car insurance rate in Greensboro, NC with State Farm, Auto-Owners, Erie, and Travelers also being competitive. This example illustrates why consumers need to take the time to compare as many rates as possible when trying to find the lowest auto insurance quotes for a Ford Focus. Car insurance prices consist of many different factors and can change substantially, so the most economical option when you bought your policy may now be costing you a lot of money.