Who Has Cheap Insurance for a Ford Focus in Oregon?

Who Has Cheap Insurance for a Ford Focus in Oregon?

Finding the cheapest coverage for a Ford Focus in Oregon depends upon a very complex rating algorithm that uses multiple factors such as your vehicle’s safety rating, if you have maintained coverage continuously, and any prior driving offenses you have. Drivers in Oregon will pay around $1,070 per year for Focus insurance, but that is calculated using a 30-year-old married female that purchased full comprehensive and collision coverage and $100 deductibles.

There is a high likelihood that you’re not a 30-year-old female, you might be single instead of married, or maybe you prefer liability limits higher than required by Oregon state law. Every driver has different characteristics, so the best way to quote the cheapest insurance price for your Ford is to compare as many rates as possible. Do a quick rate comparison now and you will receive price comparisons from some of the best companies that insure vehicles in Oregon.

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Your Ford’s trim level will influence price, so the price you will pay to insure a Focus S 4-Dr Sedan trim level will be $178 less than the price to insure the more expensive Focus SES 2-Dr Coupe model, as demonstrated by the prices below.

Ford Focus Insurance Rates in Oregon
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $232 $486 $326 $20 $98 $1,162 $97
Focus SE 4-Dr Sedan $232 $486 $326 $20 $98 $1,162 $97
Focus SEL 4-Dr Sedan $232 $574 $326 $20 $98 $1,250 $104
Focus SES 4-Dr Sedan $232 $574 $326 $20 $98 $1,250 $104
Focus SE 2-Dr Coupe $266 $574 $368 $22 $110 $1,340 $112
Focus SES 2-Dr Coupe $266 $574 $368 $22 $110 $1,340 $112
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Prices based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can impact prices greatly.

Determining which companies have the most affordable auto insurance rates for a Ford Focus involves a bit more effort than just comparing a company or two. Every insurance provider has a different process to determine premium rates, so we’ll take a look at the auto insurance companies that tend to be cheaper in Oregon.

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Cheapest auto insurance in Oregon ranked by cost per year
Rank Company Cost Per Year
1 Grange $715
2 Oregon Mutual $819
3 Country $847
4 USAA $941
5 Travelers $942
6 State Farm $1,029
7 Amica $1,125
8 Allied $1,167
9 Mutual Enumclaw $1,188
10 GEICO $1,190
11 California Casualty $1,194
12 Progressive $1,222
13 MetLife $1,327
14 21st Century $1,364
15 American Family $1,431
16 Encompass $1,622
17 Allstate $1,654
18 Farmers $2,013
19 Safeco $2,150
20 Liberty Mutual $2,508
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Grange generally has some of the cheapest car insurance rates in Oregon at around $715 annually. Oregon Mutual, Country, USAA, and Travelers would also be considered some of the cheaper Oregon insurance companies.

As shown in the table above, if you are insured with Country and switched to Grange, you might see yearly savings of approxmiately $132. Customers with USAA could save as much as $226 a year, and Travelers customers might realize rate reductions of up to $227 a year.

If you want to see how much you could save, click here to begin a quote or quote rates from the companies below.

Bear in mind that those rates are averaged for all insureds and vehicles and and are not figured with a specific rate value for a Ford Focus. So the auto insurance company that has the cheapest price for you may not even be included in the chart above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.

Get discounts on Oregon car insurance

Discounts on auto insurance for a Ford FocusInsurers that offer cheap insurance for a Ford Focus in Oregon may provide premium discounts that could reduce prices by as much as 35% or more if you are eligible to receive them. A few popular companies and a selection of discounts can be read below.

Car Insurance Discounts for Popular Insurance Companies
Discount Geico State Farm Progressive Allstate Farmers Liberty Mutual Nationwide
Bundle discount Yes Yes Yes Yes Yes Yes Yes
Multi-vehicle Yes Yes Yes No Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Anti-lock brakes Yes Yes No Yes No Yes No
Passive restraint Yes Yes No Yes Yes Yes Yes
Running lights Yes Yes No No Yes No No
New car No Yes No Yes Yes No Yes
Accident-free Yes Yes Yes Yes Yes No Yes
Defensive driver Yes Yes Yes Yes Yes No Yes
Low miles No Yes Yes Yes No Yes Yes
Active duty military Yes Yes Yes No Yes No No
Occupational Yes No No No Yes Yes Yes
Full payment Yes No Yes Yes Yes Yes Yes
Email statements Yes No Yes Yes Yes Yes Yes
Brand loyalty No Yes Yes No Yes No Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Student at college No Yes Yes Yes Yes Yes Yes
Homeowner No No Yes No Yes No No
Use seat belts Yes No No No No No No
Online quote No No Yes No No No No
Teen driver No No Yes No No Yes No
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The chart below visualizes the comparison of auto insurance costs with and without discounts applied to the policy rates. The premiums assume a male driver, no violations or claims, Oregon state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, vehicle safety, marriage, claim-free, and passive restraint discounts applied. In this example, the average amount saved each year on auto insurance for a Ford Focus is 38% or $785.

The chart below illustrates how your choice of deductibles can change insurance costs when quoting cheap insurance for a Ford Focus. The data assumes a married male driver, full physical damage coverage, and no discounts are factored in.

As shown above, a 40-year-old driver could cut expenses by $256 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $386 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could shave as much as $862 every year by choosing a larger deductible amount. When raising deductibles, it’s a good idea to have plenty of money set aside to enable you to pay the extra out-of-pocket expense that comes with higher deductibles.