Cheap Insurance Quotes for a Ford Focus in New Mexico

When the topic is auto insurance, the word cheap should never appear anywhere in the article to describe car insurance rates. Forgive the oxymoron, but cheap car insurance for a Ford Focus can be extremely hard to find. Don’t let that spoil your day, because we are going to tell you how you can still get auto insurance that works with your budget.

The likelihood of finding the cheapest car insurance for a Ford Focus in New Mexico is dependent upon a very complex rating algorithm that uses multiple factors such as whether you are male or female, where your vehicle is garaged, and the deductible amount you use. Drivers on average will pay $950 annually to buy Ford Focus insurance, but that amount is using cost data for a 50-year-old married male driver who requires full coverage and $100 deductibles.

But there is a high probability that you are not 50 and maybe not even a male, possibly single instead of married, or maybe you prefer higher deductibles. Every car insurance policy is unique to the driver, so the only way to find the cheapest insurance price for your Ford is to do a thorough rate comparison. In just a couple of minutes you will get price quotes from top-rated car insurance companies that insure vehicles in New Mexico.

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Your Ford’s trim level tends to have a direct impact on the cost of coverage, so the price to insure a Focus S 4-Dr Sedan model will be $158 lower than the cost to insure the high end Focus SES 2-Dr Coupe version, as shown in the table below.

Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and New Mexico minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, homeowner, and claim-free. Premium costs do not factor in vehicle garaging location which can modify insurance rates greatly.

Finding good, low-priced car insurance is challenging, and deciding which companies offer the most affordable car insurance rates for a Ford Focus takes even more diligence. Each auto insurance company uses a different method for determining rates in each state, so let’s take a look at the car insurance companies that tend to have lower prices in New Mexico.

Keep in mind that New Mexico car insurance rates are calculated based on many things that control the price you pay for coverage. Taking a driver safety course, moving to a new city, or getting a speeding ticket can produce rate changes that can cause some rates to be cheaper than competitors.

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USAA offers some of the cheapest car insurance rates in New Mexico at around $677 annually. Allied, Safeco, Farm Bureau Mutual, and Farmers would also make the list of some of the cheapest New Mexico auto insurance companies.

In this example, if you are a customer of Farm Bureau Mutual and switched to Allied, you might see a yearly price reduction of in the vicinity of $254. Insureds with Farmers may save as much as $367 a year, and Central Mutual policyholders might lower prices by up to $380 a year.

To see if you’re overpaying, click here to begin a quote or quote rates from the companies below.

It’s important to note that these rates are averaged across all drivers and vehicles and do not factor in a specific rate factor for a Ford Focus. So the car insurance company that fits your situation best may not even be featured in the list above. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.

Discounts on cheap insurance for a Ford Focus in New Mexico

Insurance companies that provide policies for a Ford Focus may have price discounts that can reduce rates by as much as 35% or more if you can meet the requirements. Companies and a partial list of their discounts can be found below.

The chart below visualizes the comparison of insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no accidents, no driving violations, New Mexico state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with homeowner, multiple policy, accident-free, defensive driving course, passive restraint, and anti-theft discounts applied. When taking advantage of discounts, the the amount saved on car insurance for a Ford Focus is % or $.

How much more does full coverage cost?

Finding cheap insurance for a Ford Focus in New Mexico is probably important to the majority of vehicle owners, and one easy way to reduce the cost of insurance is to only buy liability insurance. The example below compares insurance costs when comparing full coverage to liability only. The premiums assume no driving violations, no at-fault accidents, $1,000 deductibles, marital status is single, and no other discounts are factored in.

If the expense is averaged for all age categories, physical damage coverage on your policy costs $1,664 per year more than just buying liability insurance. That proposes the question if it’s a good idea to buy full coverage. There is no clear-cut formula to exclude full coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

Cheapest car insurance: Geico, Progressive, Allstate, or State Farm

When researching insurance for a Focus in New Mexico, four good companies to start with are Geico, Progressive, Allstate, and State Farm. If you combine them together, they insure almost 50% of all auto insurance policies in force. The next table points out price, claims, and customer service ratings, as well as some optional coverages that are available for customers.