The chances of buying the best cheap insurance for a Ford Focus in Washington hinges on a large number of rating criteria such as whether or not your vehicle has good safety ratings, the performance level of your vehicle, and driving violations. Drivers in Washington pay an average of $890 every 12 months to insure their Focus, but that amount is that uses a 30-year-old single female driver who purchased both comprehensive and collision coverage and $1,000 physical damage deductibles.
There is a good chance you are not 30 years old and maybe not even female, possibly married instead of single, or maybe you had a chargeable driving offense. Every driver has a different risk profile, so the only way to find the cheapest coverage for your Ford is to shop your policy around every couple of years.
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The specific trim level impacts the yearly cost, so the price you will be charged to insure a Focus S 4-Dr Sedan trim level will be $142 cheaper than the cost to insure the more well-appointed Focus SES 2-Dr Coupe version, as demonstrated by the prices below.
Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
---|---|---|---|---|---|---|---|
Focus S 4-Dr Sedan | $136 | $296 | $398 | $24 | $120 | $974 | $81 |
Focus SE 4-Dr Sedan | $136 | $296 | $398 | $24 | $120 | $974 | $81 |
Focus SEL 4-Dr Sedan | $136 | $350 | $398 | $24 | $120 | $1,028 | $86 |
Focus SES 4-Dr Sedan | $136 | $350 | $398 | $24 | $120 | $1,028 | $86 |
Focus SE 2-Dr Coupe | $156 | $350 | $450 | $26 | $134 | $1,116 | $93 |
Focus SES 2-Dr Coupe | $156 | $350 | $450 | $26 | $134 | $1,116 | $93 |
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in garaging location in Washington which can alter rates noticeably.
Selecting a good quality auto insurance provider is hard considering how many companies sell insurance in Washington. The information in the next section may help you decide which insurers to look at when comparing rate quotes. These rankings are only made up of large, nationwide insurance companies, so companies that focus mainly on Washington business are not factored into this list.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
American Family | 98 | 89 | 100 | 86% | A | 95.4 |
State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
The General | 89 | 91 | 89 | 88% | A- | 90 |
Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
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Data Source: Insure.com Best Car Insurance Companies
Insurance providers that provide the cheapest insurance for a Ford Focus in Washington may additionally offer policy discounts that may potentially lower prices by as much as 25% or more if you meet eligibility requirements. A list of insurance companies and some of the premium reductions they offer are outlined below.
The chart below compares car insurance costs with and without discounts. The data assumes a female driver, no claims or driving citations, Washington state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with defensive driving course, claim-free, homeowner, safe-driver, vehicle safety, and multiple policy discounts applied. With discounts applied, the the amount saved on insurance for a Ford Focus is 28% or $547.
Washington insurance rates are influenced by many factors which can substantially change the price of coverage. Turning one year older, adding a teenager to your policy, or getting a speeding ticket may prompt premium changes that can cause some rates to be cheaper than competitors.
In addition, insurers change their prices at least once a year in order to protect their financial rating. Higher than usual claims may cause increased policy costs, while a better loss history may cause cheaper Focus insurance rates.
As an example, the chart below compares the cheapest car insurance in Washington for a 30-year-old female driver with no violations or accidents, and excellent credit. If we compare prices based on her personal profile, Capital might quote the best car insurance rates in Washington at $777 per year. This is $635 less than the average rate paid by Washington drivers of $1,412. Grange, PEMCO, Nationwide, and Travelers are also on the list of the cheapest Washington auto insurance companies.
The chart below compares rates after we give the driver in the first example a claim surcharge, poor credit, and a few blemishes on her driving record. Because each company has their own formula to determine rates, getting updated rate quotes most likely will result in a different set of the cheapest car insurance companies in Washington as shown below.
Mutual Enumclaw now has the cheapest car insurance in Washington with Chubb, USAA, Allied, and Grange also having competitive pricing. This example shows why consumers need to take the time to spend some time comparing rates when trying to find the cheapest car insurance quotes for a Ford Focus.
Auto insurance prices consist of many factors and change substantially, so the best price six months ago may now cost much more than other companies.
The list below details some of the recommended thrifty suggestions that can help Washington drivers locate cheap auto insurance.
That last piece of advice is extremely critical, as was affirmed in this piece. Car insurance rates fluctuate constantly, so don’t be tentative to buy a policy from a new company if a lower price can be found. Having brand loyalty is commendable, but it’s not recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. Take a few minutes and shop around and find cheaper car insurance for a Ford Focus.