Best Cheap Insurance Quotes for a Ford Focus in Florida

Our editors have a joke that when writing about car insurance, the word affordable should not be used anywhere in the article to describe car insurance rates. Please forgive the oxymoron, but cheap car insurance for a Ford Focus does not exist. But fear not, because there may be ways you can still find auto insurance that you can fit into your budget.

The odds of finding the best cheap coverage for a Ford Focus in Florida is dependent upon many factors like how old the vehicle is, your occupation, and if you have any chargeable driving offenses. Drivers on average pay approximately $1,300 every 12 months to insure their Focus, but that is an approximation using cost data for a 50-year-old single female that includes full coverage including both comprehensive and collision and $250 deductibles.

This brings up the issue that more than likely you are not 50 years old and maybe not even female, married instead of single, or maybe you want different physical damage deductibles. Car insurance coverage is unique to each driver, so this is why your best shot at finding cheap insurance rates for your Ford is to regularly compare rates at renewal.

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Your vehicle’s trim level tends to have a direct impact on the annual cost of coverage, so the rate you will pay to insure a Focus S 4-Dr Sedan will be $214 less than the price to insure the more costly Focus SES 2-Dr Coupe model, as shown below.

Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Table data does not factor in specific location information which can influence rates considerably.

Trying to buy budget car insurance is difficult, and finding out which company offers the cheapest auto insurance rates for a Ford Focus calls for even more rate comparisons.

Each insurance company uses their own calculation for establishing rates, so we’ll take a look at the auto insurance companies that tend to have lower prices in Florida.

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USAA has some of the most affordable car insurance rates in Florida at around $957 a year. Electric, Amica, Progressive, and Travelers would also be considered some of the best Florida car insurance companies.

In the above example, if you are a policyholder with Amica and switched to USAA, you may see annual savings of about $789. Policyholders with Progressive might save as much as $890 a year, and Travelers customers might reduce rates by $969 a year.

Understand that those prices are averages for all types of insureds and vehicles and and are not calculated with a specific rate value for a Ford Focus. So the insurer that fits you best may not even be in the above rate chart. That emphasizes why you need to get quotes using your own specific driver and vehicle information.

Discounts on the best cheap insurance for a Ford Focus in Florida

Insurers that offer cheap quotes for a Ford Focus could also offer premium discounts that may potentially lower prices by 25% or more if you meet certain criteria. Large auto insurance companies and their offered discounts can be found below.

The diagram below illustrates the difference between car insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, no violations or accidents, Florida state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with multiple vehicle, safe-driver, claim-free, anti-theft, vehicle safety, and marriage discounts applied. In this example, the the average amount saved on auto insurance for a Ford Focus is % or $.

Which auto insurance company is best?

When comparing insurance for a Focus in Florida, four of the larger companies to compare rates for are Progressive, Geico, Allstate, and State Farm. All of them have different features and discounts that may influence your choice. The data below rates some of the ratings and options that may be available in your state.