Cheapest Insurance for a Ford Focus in West Virginia

Finding cheap coverage for a Ford Focus in West Virginia depends upon a complex calculation that is influenced by things such as when you were born, whether or not you have had gaps between policies, and blemishes on your driving record. Drivers on average pay around $1,240 each year to insure a Ford Focus, but that price is a valuation using a 30-year-old married male driver who needs both comprehensive and collision coverage and $100 policy deductibles.

When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even male, you might be single instead of married, or maybe you prefer to not insure for full coverage. Even a slight difference in rating factors or requested coverage amount can lead to a big change in the price of a policy.

Every policy is rated specifically for the driver, so the way we recommend to find cheap insurance prices for your Ford is to comparison shop your policy at every renewal or at least every couple of years. In just a couple of minutes you will receive prices from top-rated companies in West Virginia.

Compare Ford Focus Insurance Rates

The specific model of Focus will most likely have an effect on the yearly cost, so the cost to insure a Focus S 4-Dr Sedan trim level will be $206 lower than the insurance cost for the higher-end Focus SES 2-Dr Coupe version, as demonstrated by the prices below.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and West Virginia minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price estimates do not factor in West Virginia location which can change rates greatly.

Trying to buy cheap auto insurance is not always easy, and deciding which company quotes the best auto insurance rates for a Ford Focus will take even more diligence.

Each auto insurance company has a unique formula to set premium rates, so we’ll take a look at the overall cheapest auto insurance companies in West Virginia.

Find Cheaper Auto Insurance for Your Focus

Compare Rates Now

Erie generally has some of the cheapest car insurance rates in West Virginia at around $931 per year. The Hartford, State Auto, USAA, and Westfield also are some of the cheaper West Virginia car insurance companies.

As shown in the rates above, if you buy coverage from USAA and switched to Erie, you may see savings of in the neighborhood of $356. Drivers with Westfield might save as much as $370 a year, and Progressive policyholders might see rate reductions of $548 a year.

To discover how much you can save, click here to start your custom quote or visit several of the following companies.

Bear in mind that those policy rates are averaged across all drivers and vehicles and and are not calculated with a specific rate factor for a Ford Focus. So the car insurance company that can offer you the lowest price may not even be featured in the list of companies above. That illustrates why you need to get rate quotes from many companies using your own personal information and vehicle type.

Reckless driving habits raise West Virginia auto insurance rates

The common sense way to obtain the most affordable auto insurance premiums in West Virginia for a Focus is to be a cautious driver and avoid accidents and keep your driving record clean. The diagram below demonstrates how speeding tickets and at-fault collisions can affect auto insurance costs for each different age category. The data is based on a married male driver, comp and collision included, $100 deductibles, and no additional discounts are factored in.

The chart shows that the average cost of an auto insurance policy in West Virginia per year with no violations or accidents is $2,243. Receive two speeding tickets and the average cost rises to $3,111, an increase of $868 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Ford Focus increases to an average of $6,176. That’s an increase of $3,933, or $328 per month, just for not driving carefully!

Progressive, Geico, State Farm, or Allstate: Who is cheapest?

When comparing insurance for a Focus, four companies to consider are Progressive, Geico, State Farm, and Allstate. When added together, they insure about 50% of all auto insurance written. The table below shows pricing and service ratings, as well as optional policy coverages that are available for buyers.