Buying affordable auto insurance for a Ford Focus is pretty simple for most people to do, but it hinges on a lot of factors such as whether you are married or single, the likelihood of vehicle theft, and your motor vehicle report. Texas drivers pay approximately $1,029 each year for Focus insurance, but that amount is an estimation based on a 50-year-old married male driver with full coverage and $250 deductibles.
There’s a good chance you are not 50 years old and maybe not even male, possibly single instead of married, or maybe you want different physical damage deductibles. This illustrates why the way we recommend to find the cheapest coverage for your Ford is to do a thorough rate comparison.
Cheapest Ford Focus Insurance Rates
The trim level of your vehicle tends to have a direct effect on price, so the price to insure a Focus S 4-Dr Sedan will be $168 less than the cost to insure the more expensive Focus SES 2-Dr Coupe version, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $200 | $422 | $366 | $22 | $110 | $1,120 | $93 |
| Focus SE 4-Dr Sedan | $200 | $422 | $366 | $22 | $110 | $1,120 | $93 |
| Focus SEL 4-Dr Sedan | $200 | $496 | $366 | $22 | $110 | $1,194 | $100 |
| Focus SES 4-Dr Sedan | $200 | $496 | $366 | $22 | $110 | $1,194 | $100 |
| Focus SE 2-Dr Coupe | $230 | $496 | $414 | $24 | $124 | $1,288 | $107 |
| Focus SES 2-Dr Coupe | $230 | $496 | $414 | $24 | $124 | $1,288 | $107 |
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Table data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific zip code location which can alter rates considerably.
Finding reliable, cheap auto insurance is hard enough, and deciding which companies have the best auto insurance rates for a Ford Focus may require even more rate comparisons. Each insurance company has a proprietary formula to set policy rates, so we’ll go over the auto insurance companies that tend to have lower prices in Texas.
Keep in mind that Dallas, TX auto insurance rates are calculated based on many things that control the policy premium. Things like getting older, having a teenage driver, or getting a DUI can trigger price changes resulting in some rates now being more affordable than the competition.
Cheap Insurance Rates for Your Focus
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,052 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,294 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | Mercury | $1,461 |
| 8 | State Farm | $1,465 |
| 9 | Nationwide | $1,538 |
| 10 | Safe Auto | $1,597 |
| 11 | Amica | $1,705 |
| 12 | Progressive | $1,715 |
| 13 | Allstate | $1,718 |
| 14 | Home State | $2,134 |
| 15 | GEICO | $2,135 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,396 |
| 20 | Titan | $2,594 |
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Travelers generally has some of the best car insurance rates in Dallas at around $1,052 a year. This is $852 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the lowest-priced Dallas, TX auto insurance companies.
As depicted above, if you currently buy coverage from USAA and switched to Travelers, you might achieve annual savings of approximately $32. Policyholders with Texas Farm Bureau may save as much as $159 a year, and Germania Mutual insureds might lower prices by up to $242 a year.
Bear in mind that those premium estimates are averaged for all drivers and vehicles and do not factor in a specific zip code for a Ford Focus. So the car insurance company that is best for you may not even be in the top 23 companies in the list above. That’s why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Get discounts on Dallas car insurance
Auto insurance companies that offer coverage for a Ford Focus may also give you discounts that can reduce rates by as much as 30% if you meet eligibility requirements. A few popular companies and some of the premium reductions they offer include:
- AAA has discounts for anti-theft, multi-policy, multi-car, AAA membership discount, pay-in-full, and good driver.
- Progressive may include discounts for continuous coverage, homeowner, online signing, multi-vehicle, and online quote discount.
- State Farm includes discounts for multiple policy, anti-theft, good student, Drive Safe & Save, and passive restraint.
- Esurance policyholders can earn discounts including online quote, emergency road assistance, paid-in-full, claim free, defensive driver, and multi-car.
- Nationwide has savings for multi-policy, Farm Bureau membership, anti-theft, accident-free, business or organization, and good student.
The chart below shows the difference between annual premium costs with and without policy discounts. The price estimates are based on a male driver, no accidents or driving violations, Texas state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, safe-driver, multiple vehicle, anti-theft, marriage, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for a Ford Focus is 28% or $669.
Why you should be shopping around
Dallas, TX auto insurance rates are determined by lots of factors which can significantly increase or decrease the cost of a policy. Simply having another birthday, having a teen driver, or getting a DUI can cause premium changes that can now make some companies affordable when they were higher priced. And not only may your rating factors change, but insurance companies change rates every year in order to be able to pay unexpected claims. Heavy losses may result in additional premium costs, while lower claim levels may cause more affordable Focus insurance rates.
For example, the graph below demonstrates which company has the cheapest car insurance in Dallas, TX for a 40-year-old male driver with no violations or accidents, and a decent credit rating. When quoting prices based on his current situation, Travelers quotes the lowest car insurance rates in Dallas at $1,324 per year. This is $580 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the most affordable Dallas, TX auto insurance companies.
In this example, we will give the driver from the above example a couple of claims, slightly worse credit, and a couple of points charged on his driving record. Since each auto insurer has a unique formula for determining prices, comparing insurance quotes may now present a completely different list of cheap Dallas auto insurance companies as shown below.
State Farm now has the best insurance rate in Dallas with Mercury, Nationwide, Safe Auto, and USAA also being competitive. This example proves why it is important to shop around with many companies when trying to find the most economical insurance quotes for a Ford Focus. Rates are determined by many things and can change without notice, so the best option the last time you shopped your coverage around may now be quite expensive.