Cheapest Insurance for a Ford Focus in Utah

The likelihood of finding cheaper insurance for a Ford Focus in Utah is contingent on a large number of factors such as if you are single or married, if you have ever had a gap in coverage, and any driving offenses on your record. Drivers on average will pay $850 a year to insure a Ford Focus, but that rate is a valuation based on rates for a 50-year-old single male that wants full coverage including both comprehensive and collision and $250 deductibles.

It’s more than likely you are not a 50-year-old male, possibly married instead of single, or maybe you are just looking for cheap liability insurance. Just a slight change in rating criteria can produce large changes in price quotes.

Every car insurance policy is unique to the driver, so the way we recommend to find cheap auto insurance rates for your Ford is to comparison shop your policy at every renewal or at least every couple of years. Quotes only take a couple of minutes and you can get prices from some of the cheapest companies that sell coverage in Utah.

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The trim level of your Ford can impact the cost of coverage, so the rate you pay to insure a Focus S 4-Dr Sedan trim level will be $142 lower than the price to insure the high end Focus SES 2-Dr Coupe model, as shown in the prices below.

Ford Focus Insurance Rates in Utah
Model	Comp	Collision	Liability	Medical	UM/UIM	Annual Premium	Monthly Premium
Focus S 4-Dr Sedan	$154	$360	$302	$18	$90	$924	$77
Focus SE 4-Dr Sedan	$154	$360	$302	$18	$90	$924	$77
Focus SEL 4-Dr Sedan	$154	$424	$302	$18	$90	$988	$82
Focus SES 4-Dr Sedan	$154	$424	$302	$18	$90	$988	$82
Focus SE 2-Dr Coupe	$178	$424	$342	$20	$102	$1,066	$89
Focus SES 2-Dr Coupe	$178	$424	$342	$20	$102	$1,066	$89
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Utah minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Information does not factor in specific garaging location which can influence rates significantly.

What is the best car insurance company in Utah?

Buying coverage from the best auto insurance provider can be difficult considering how many companies there are in Utah. The information displayed below could help you decide which insurers to look at shopping prices with.

These rankings are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into the list. If you wish to compare rates from these and other competitive companies, simply click here.

Top 10 Large Auto Insurance Providers in Utah Ranked by A.M. Best Rating

USAA – A++
Travelers – A++
GEICO – A++
State Farm – A++
The Hartford – A+
Esurance – A+
Nationwide – A+
Allstate – A+
Progressive – A+
The General – A-

Top Companies for Ford Focus Insurance in Utah

Should you buy full coverage?

Finding the cheapest insurance for a Ford Focus in Utah is important to most drivers, and one of the easiest ways to buy cheaper insurance is to buy only liability coverage. The diagram below shows the difference between insurance rates when comparing full coverage to liability only. The rates are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

If the expense is averaged for all age categories, full coverage costs $1,790 per year over and above liability coverage. That is a large expense and it proposes the question when is it a good idea to stop buying full coverage. There is no exact rule to eliminate full coverage, but there is a general convention. If the yearly cost for physical damage coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying the physical damage deductible. If you are currently paying more than $300 annually for physical damage coverage, then it may be the right time to buy liability only.

Is the best company Progressive, Geico, State Farm, or Allstate?

If you are shopping around for insurance for a Focus, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. They all have a distinct set of features and optional coverages that drivers can select from. The data below shows ratings and policy coverage options that are available for customers.

Largest U.S. Car Insurance Company Ratings
	Progressive	Geico	State Farm	Allstate
Claims Handling	4th	3rd	2nd	1st
Price Rank	3rd	1st	2nd	4th
Overall Satisfaction	3rd	1st	4th	2nd
Discounts Offered	4th	2nd	3rd	1st
Rating from A.M. Best	A+	A++	A++	A+
S&P financial rating	AA	AA+	AA	AA-
Usage-based insurance	Yes	No	Yes	Yes
Roadside service	Yes	Yes	Yes	Yes
Mechanical breakdown insurance	Yes	Yes	No	No
Accident forgiveness coverage	Yes	Yes	No	Yes
Rideshare coverage	Yes	Yes	Yes	Yes
New car replacement	No	No	No	Yes
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How to find the cheapest insurance for a Ford Focus in Utah

The list below shows many penny-pinching solutions that can help you get cheaper coverage.

Vehicles with safetly features generally cost less to insure
Avoid getting citations and tickets
Being accident-free can lower rates significantly
Good credit scores may make rates cheaper
Higher deductibles mean lower rates
Full coverage is expensive so only insure older vehicles for liability only
Keep rates low by comparing prices once a year

The final tip is very necessary, as was emphasized in this piece. Rates vary greatly, so don’t be tentative to buy a policy from a new company if a better deal can be had. Brand loyalty is not necessarily bad, but it isn’t a good idea if that inflexibility results in costing you a lot of money every month. In just a couple of minutes you could shop around and find cheaper insurance for a Ford Focus.