Finding cheap car insurance for a Ford Focus in California is pretty simple, but it hinges on a pretty complex algorithm that uses a lot of factors such as your marital status, your credit history, and citations on your driving record. California drivers pay approximately $1,159 each year to insure their Focus, but that cost is an estimation based on a 40-year-old married male driver with full coverage and $500 deductibles.
Most likely you may not be 40 years old (or even male), single instead of married, or maybe you want more liability coverage than is required by law in California. The different assumptions illustrate why the only real way to find cheap insurance rates for your Ford is to put in the effort to do a thorough rate comparison.
The trim level of your Focus will likely have an effect on the cost of coverage, so the price you will pay to insure a Focus S 4-Dr Sedan model will be $188 cheaper than the cost to insure the higher-end Focus SES 2-Dr Coupe trim level, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $220 | $426 | $456 | $26 | $136 | $1,264 | $105 |
| Focus SE 4-Dr Sedan | $220 | $426 | $456 | $26 | $136 | $1,264 | $105 |
| Focus SEL 4-Dr Sedan | $220 | $502 | $456 | $26 | $136 | $1,340 | $112 |
| Focus SES 4-Dr Sedan | $220 | $502 | $456 | $26 | $136 | $1,340 | $112 |
| Focus SE 2-Dr Coupe | $252 | $502 | $514 | $30 | $154 | $1,452 | $121 |
| Focus SES 2-Dr Coupe | $252 | $502 | $514 | $30 | $154 | $1,452 | $121 |
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can change price quotes significantly.
Ratings for Los Angeles auto insurance companies
Choosing the best car insurance provider is difficult considering how many companies there are in California. The ranking data displayed below may help you analyze which providers to look at when buying insurance for a Ford Focus.
The rankings below are only made up of companies that insure vehicles across America, so smaller companies that only insure vehicles in California will not be included in these rankings. To compare price quotes from these and other top-rated companies, click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how choosing a deductible can increase or decrease insurance premiums when searching for cheap insurance for a Ford Focus. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could lower rates by $492 a year by changing from a $100 deductible up to a $500 deductible, or save $738 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could reduce their rates $1,640 every year just by choosing higher deductibles.
If you do decide to increase your deductibles, it will be important to have enough in a savings account to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
How to get discounts on Los Angeles auto insurance rates
Car insurance companies that provide policies for a Ford Focus may have price discounts that can reduce rates by as much as 30% if you qualify. Companies and their possible discounts are detailed below.
- State Farm may offer discounts for multiple autos, student away at school, defensive driving training, good student, multiple policy, good driver, and passive restraint.
- GEICO has discounts for multi-vehicle, daytime running lights, driver training, good student, membership and employees, anti-lock brakes, and seat belt use.
- Liberty Mutual has savings for hybrid vehicle, new graduate, multi-policy, new move discount, good student, and newly married.
- The Hartford offers premium reductions for anti-theft, driver training, good student, air bag, defensive driver, and vehicle fuel type.
- MetLife may have discounts that include good driver, good student, claim-free, defensive driver, accident-free, and multi-policy.
- Progressive offers discounts including good student, continuous coverage, online quote discount, homeowner, multi-policy, multi-vehicle, and online signing.
The chart below shows the comparison of car insurance costs with and without discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, marriage, claim-free, anti-theft, multiple vehicle, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Ford Focus is 28% or $675.
How to find budget-friendly auto insurance for a Ford Focus
The list below summarizes some thrifty ideas that can help you find lower-cost car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Safe vehicles cost less to insure
- Better credit scores save money
- Tickets and violations raise rates
- Increase your deductibles
- Save money by insuring older vehicles for liability only
- Shop around for cheaper prices
That last idea is particularly significant, as was discussed in the prior article. Auto insurance rates fluctuate constantly, so you should be ready to buy from a new company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty results in overpaying a lot of money every month. Spend a few minutes and compare rates and find cheaper insurance for a Ford Focus in Los Angeles.