Buying cheaper insurance for a Ford Focus relies on a fairly complex equation with a lot of factors such as whether you are single or married, the likelihood of your vehicle being stolen, and any prior driving offenses. Washington drivers will pay on average $791 annually for Focus insurance, but that price is an estimate using a 40-year-old married female driver with full physical damage coverage and $500 deductibles.
It’s more than likely you aren’t exactly 40 years old or even a female, you might be single instead of married, and you may just want the cheapest liability coverage you can find. Not every driver requires the same auto insurance coverages, so the best way to find cheap auto insurance rates for your Ford is to just compare rates yourself.
Vehicle trim level can impact the insurance rate, so the rate you pay to insure a Focus S 4-Dr Sedan will cost $130 less than the insurance cost for the more costly 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||$138||$304||$310||$18||$92||$862||$72|
|Focus SE 4-Dr Sedan||$138||$304||$310||$18||$92||$862||$72|
|Focus SEL 4-Dr Sedan||$138||$358||$310||$18||$92||$916||$76|
|Focus SES 4-Dr Sedan||$138||$358||$310||$18||$92||$916||$76|
|Focus SE 2-Dr Coupe||$160||$358||$350||$20||$104||$992||$83|
|Focus SES 2-Dr Coupe||$160||$358||$350||$20||$104||$992||$83|
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Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Table data does not factor in the specific area where the vehicle is garaged which can decrease or increase rates greatly.
Locating affordable insurance is challenging, and figuring out which insurers offer the lowest-priced insurance rates for a Ford Focus will take a little more work.
Every auto insurer uses their own formula for determining prices, so let’s take a look at the insurance companies with the most affordable rates in Seattle.
Find the Cheapest Car Insurance for Your Focus
|Rank||Company||Cost Per Year|
|Find Your Rate Go|
Capital may offer some of the best car insurance rates in Seattle at around $761 annually. Grange, Nationwide, PEMCO, and Travelers are also some of the cheapest Seattle, WA auto insurance companies.
As illustrated above, if you currently buy coverage from PEMCO and switched to Grange, you might achieve yearly savings of around $191. Washington drivers with Travelers might save as much as $195 a year, and Mutual Enumclaw policyholders might realize rate reductions of up to $210 a year.
Be aware that those estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a specific zip code for a Ford Focus. So the car insurance company that fits your needs best may not even be in the top 25 companies in the list above. That is why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
Rate comparison of full coverage and liability-only
Finding cheaper insurance is the goal of most people, and an effective way to find cheap insurance for a Ford Focus is to not pay for full coverage. The information below shows the difference between auto insurance costs with and without physical damage coverage. The premium estimates are based on no driving violations, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.
Averaged for all ages 20 through 70, physical damage insurance costs $1,804 per year over liability only. A very common question is if you should buy full coverage. There is no definitive formula of when to stop paying for full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
Careless Seattle drivers pay higher rates
The common sense way to maintain affordable insurance premiums in Seattle for a Focus is to be a safe driver and not have accidents or get tickets. The illustration below illustrates how speeding tickets and accidents increase insurance costs for different insured age categories. The data is based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of a car insurance policy in Washington per year with no accidents and a clean driving record is $1,804. Receive two speeding tickets and the average cost swells to $2,387, an increase of $583 each year. Now get two accidents along with the two speeding tickets and the annual cost of insurance for a Ford Focus jumps again to an average of $4,576. That’s an increase of $2,772, or $231 per month, just for not driving carefully!
How to find budget-friendly auto insurance for a Ford Focus
The list below details some of the recommended money-saving solutions that can help Seattle drivers find low-cost car insurance.
- Don’t waste money on full coverage for older vehicles
- Discounts for being claim-free can be substantial
- The safer your car, the less it costs to insure
- Buy your homeowners policy from the same company as your auto insurance
- Do not get into accidents
- Do not get tickets
- Compare rate quotes frequently
That final tip is very vital, as we hit on in the prior article. Auto insurance rates go up and down frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a lower-cost policy is available.
Many drivers prefer to stick with one company, but is isn’t recommended if your bullheadedness ends up costing you lots of money. It takes less than five minutes to shop around to find cheaper insurance for a Ford Focus in Seattle.
If you would rather have the advice of a professional agent when trying to find the best insurance rates for a Ford Focus, the insurance agencies listed below can help you decide which policy fits your needs best. To locate a Seattle car insurance agency closest to you, click the button below the list.
- State Farm: Karrie Dubose
1530 Westlake Ave N Suite 100 – Seattle, WA 98109 – (206) 971-5400
- Brent Amacher – State Farm Insurance Agent
2319 California Ave SW Ste A – Seattle, WA 98116 – (206) 935-0499
- Magnolia Insurance Agency, Inc.
3424 W McGraw St – Seattle, WA 98199 – (206) 284-4886