Finding economical insurance for a Ford Focus in North Carolina is dependent upon lots of different factors such as when you were born, whether or not you have filed claims in the past, and citations or violations on your driving record. Drivers will pay on average $706 annually to insure their Focus, but that is a projection calculated based on a 50-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
There is a good probability you’re not a 50-year-old male, married instead of single, or maybe you want more liability coverage than is required by law in North Carolina. Not everyone needs the same coverages, so the way we recommend to find cheap auto insurance rates for your Ford is to do your own rate comparisons.
The specific model of Focus can impact the cost of coverage, so the cost to insure a Focus S 4-Dr Sedan will cost $114 less than the insurance cost for the more expensive Focus SES 2-Dr Coupe trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $118 | $270 | $282 | $16 | $84 | $770 | $64 |
| Focus SE 4-Dr Sedan | $118 | $270 | $282 | $16 | $84 | $770 | $64 |
| Focus SEL 4-Dr Sedan | $118 | $318 | $282 | $16 | $84 | $818 | $68 |
| Focus SES 4-Dr Sedan | $118 | $318 | $282 | $16 | $84 | $818 | $68 |
| Focus SE 2-Dr Coupe | $134 | $318 | $318 | $18 | $96 | $884 | $74 |
| Focus SES 2-Dr Coupe | $134 | $318 | $318 | $18 | $96 | $884 | $74 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and North Carolina minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price estimates do not factor in specific zip code location which can change premium rates substantially.
Deciphering which company offers the cheapest insurance rates for a Ford Focus takes more work than just picking a company at random. Each auto insurance company has a different formula to determine rates, so we will examine the overall cheapest insurance companies in Raleigh.
It’s important that readers know that Raleigh insurance rates are based on many factors that will increase or decrease the price you have to pay for coverage. Turning one year older, buying higher coverage limits, or getting a speeding ticket can cause premium changes that can cause some rates to be cheaper than before.
Best Cheap Insurance Rates for Your Focus
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Progressive | $658 |
| 2 | Utica National | $662 |
| 3 | GEICO | $728 |
| 4 | Liberty Mutual | $728 |
| 5 | NC Farm Bureau | $730 |
| 6 | Titan | $737 |
| 7 | Penn National | $739 |
| 8 | State Farm | $749 |
| 9 | Auto-Owners | $844 |
| 10 | National General | $890 |
| 11 | Allied | $892 |
| 12 | Erie | $895 |
| 13 | Travelers | $900 |
| 14 | Peerless | $992 |
| 15 | Unitrin | $1,002 |
| 16 | MetLife | $1,038 |
| 17 | Encompass | $1,041 |
| 18 | Nationwide | $1,041 |
| 19 | Safeco | $1,044 |
| 20 | Allstate | $1,054 |
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Progressive generally has some of the most affordable car insurance rates in Raleigh at around $658 a year. Utica National, GEICO, Liberty Mutual, and NC Farm Bureau also rank well as some of the best Raleigh, NC insurance companies.
In the rate table above, if you are a policyholder with Liberty Mutual and switched to Progressive, you might realize a yearly savings of around $70. Drivers with NC Farm Bureau might save as much as $72 a year, and Titan policyholders might reduce prices by as much as $79 a year.
Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and do not take into consideration an exact location for a Ford Focus. So the auto insurance company that has the cheapest price for you may not even be in the top 20 companies shown above. That’s why you need to get rate quotes from many companies using your own driver data and vehicle information.
Cautious drivers save money
The common sense way to earn the best insurance prices for a Focus is to be a careful driver and avoid accidents and violations. The diagram below shows how violations and accidents raise auto insurance costs for each age group. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the previous example, the average cost of car insurance in Raleigh per year with no accidents and a clean driving record is $1,529. Get written up for two speeding tickets and the average cost rises to $2,117, an increase of $588 each year. Then throw in one accident along with the two speeding tickets and the annual cost of insurance for a Ford Focus jumps again to an average of $2,729. That’s an increase of $1,200, or $100 per month, just for not driving responsibly!
Why you should shop around for Focus insurance
Raleigh, NC insurance rates are calculated based on many things which can significantly increase or decrease the price of coverage. Improving your credit score, increasing deductibles, or getting caught speeding can produce rate changes resulting in some rates now being cheaper than competitors. Not only that, but insurers modify rates as often as every three months in order to be able to pay unexpected claims. Heavier than normal losses may cause rate hikes, while a better loss history may cause more affordable Focus insurance rates.
As an example, the chart below analyzes the cheapest car insurance in Raleigh, NC for a 30-year-old female driver with no accidents, a clean driving record, and excellent credit. If we look at prices based on her current situation, Progressive may have the best car insurance rates in Raleigh at $718 annually. This is $154 less than the average premium paid by North Carolina drivers of $872. Utica National, Liberty Mutual, Penn National, and NC Farm Bureau are the rest of the most affordable Raleigh, NC auto insurance companies.
In this next rate comparison, we will give the driver from the above example an at-fault accident, poor credit, and an imperfect driving record. Since every car insurance company uses their own calculation for determining rates, comparing insurance quotes will most likely result in a different set of affordable companies as shown below.
Titan now has the best insurance rate in Raleigh with State Farm, Auto-Owners, Allied, and Erie completing the list. This example illustrates why consumers need to take the time to perform an extensive rate comparison when trying to get the lowest auto insurance rates for a Ford Focus. Rates are made up of many risk factors and change frequently, so the cheapest option three years ago may now cost much more than other companies.
Ideas for finding the cheapest insurance for a Ford Focus
Below you’ll find some of the better penny-pinching solutions that can help Raleigh drivers find cheap auto insurance.
- Better credit scores save money
- Save money by obeying traffic laws and keeping a clean driving record
- If possible, pay for small claims out-of-pocket
- Save money by bundling your home and auto policies
- Raise comprehensive and collision coverage deductibles
- Staying accident-free helps keep rates low
- Keep rates low by comparing prices once a year
The final tip is remarkably critical, as we hit on in this piece. Car insurance prices in Raleigh go up and down frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if you can find a cheaper rate.
Loyalty to a specific company is fine, but it’s not recommended if your bullheadedness ends up costing you a wad of cash every year. In just a few minutes you could compare prices to find cheaper insurance for a Ford Focus.