How Much Does Insurance Cost for a Ford Focus in Ohio?

Buying the best cheap auto insurance for a Ford Focus in Ohio relies on factors such as whether you are a new or experienced driver, your profession, and driving citations. Drivers pay approximately $640 each year to insure a Focus, but that policy rate is calculated using a 40-year-old single female driver who needs full comprehensive and collision coverage and $1,000 policy deductibles.

There is a very good chance that you are not exactly 40 years old and possibly not even female, possibly married instead of single, and you want different coverage limits than the example. Every car insurance policy is unique to the driver, so the way we recommend to find cheap insurance rates for your Ford is to start the habit of comparing rates at least once a year.

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Your Ford’s trim level will most likely have an effect on price, so the rate you pay to insure a Focus S 4-Dr Sedan model will be $104 lower than the cost to insure the high end Focus SES 2-Dr Coupe trim level, as shown in the prices below.

Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rates do not factor in specific location which can affect insurance rates greatly.

Best car insurance in Ohio

Picking the best insurance provider can be rather challenging considering how many companies sell coverage in Ohio. The information shown below can help you decide which coverage providers you want to consider comparing rates from. These ratings are only made up of companies that write coverage in many states, so companies that only write business in Ohio or surrounding areas are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Providers Overall in Ohio

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Top 10 Major Auto Insurance Providers in Ohio Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Erie Insurance
5. State Farm
6. Liberty Mutual
7. Safeco Insurance
8. Allstate
9. 21st Century
10. Travelers

Top Companies for Ford Focus Insurance in Ohio

The chart below illustrates how choosing a deductible can influence insurance costs when getting quotes for cheap insurance for a Ford Focus. The price estimates are based on a single female driver, full coverage, and no discounts are applied to the premium.

As shown above, a 40-year-old driver could pocket $206 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $312 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, have the ability to save $534 each year by choosing larger deductibles on their policy.

When insureds make the decision to increase the deductibles on their policy, it is important to have enough spare savings to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Do you need full coverage?

Finding cheap insurance for a Ford Focus in Ohio is probably important to the majority of people, and one easy way to find cheaper insurance is to not buy full coverage. The information below compares auto insurance costs when comparing full coverage to liability only. The premium estimates are based on no claims or driving citations, $100 deductibles, drivers are not married, and no discounts are factored in.

On average, comp and collision coverage costs $1,638 per year more than carrying just liability coverage. That proposes the question if buying full coverage is a waste of money. There is no exact formula for eliminating full coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your vehicle’s book value is $11,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $10,000 after paying your policy deductible. If you are paying more than $1,000 a year for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where eliminating full coverage is not recommended. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not drop full coverage.