Best Car Insurance for Ford Focus SEL 2022

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Best insurance for Ford Focus SEL

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 28% per year insuring their Ford Focus SEL when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Ford Focus SEL drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-07-1468105NEOmaha25Progressive$2,640$1,452
2021-06-1685021AZPhoenix35Gainsco$2,268$2,160
2021-01-0168144NEOmaha23Progressive$2,022$1,692
2021-10-1561603ILPeoria30Bristol West$960$732
2021-06-1937091TNLewisburg22Progressive$2,148$1,020
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Ford Focus SEL

The average annual cost to insure a Ford Focus SEL is $2,578, which is $301 lower than the average annual cost to insure Fords. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Ford Focus SEL

While the mandatory liability coverage will be the cheapest option to insure your Focus SEL, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Ford Focus SEL

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Ford Focus SEL will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Ford Focus SEL than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Ford Focus SEL:
Age Groups
Average Cost
Annual Savings with Jerry
18-20$5,207$1,961
21-24$5,246$1,183
25-34$2,748$892
35-44$2,008$474
45-54$2,951$1,076
55-64$1,587$258

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Ford Focus SEL will be lower for an older car. These are real quotes Jerry has found for drivers of a Ford Focus SEL based on model year:
Model year
Average Cost
Annual Savings with Jerry
2018$3,142$1,183
2017$3,906$973
2012$2,610$833
2011$2,260$368
2010$6,666$1,545
2009$1,892$722

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Ford Focus SEL with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Assurance America$2,390$1,206
ClearCover$3,200$1,172
Commonwealth Insurance$3,000$1,168
Electric$2,844$945
Travelers$2,516$841
Mercury$2,140$565
State Auto$2,148$501
Allstate$1,582$286
Kemper$1,600$247
Nationwide$1,392$12

Trim levels and vehicle materials

The Ford Focus SEL comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Ford Focus SEL.

How can I save money when insuring my Ford Focus SEL

Follow these tips and tricks to keep your insurance bill low.

Comparison shop

Since every insurance provider uses different formulas to calculate your insurance rates, your insurance costs are dependent on which provider you choose. Finding the cheapest price can be a hassle, requiring you to give out your information to multiple insurance companies.
Now, one quick sign-up with insurance broker Jerry is *all you need. Jerry provides dozens of competitive quotes from up to 50 top insurance providers so you can find the cheapest price with ease.
It also allows you to filter for specific policy types and options, so you don’t have to compromise on the protection you want.
Jerry takes care of everything—from finalizing your new policy to canceling your old one to finding new rates each time your policy is up for renewal. With Jerry, you’ll enjoy all the savings without any of the usual hassles that come with comparison shopping.
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.

Opt for an older model

While a 2018 SEL is tempting, choosing a slightly older model is a good way to save money. Not only will your initial bill be cheaper, but your monthly insurance bill will be lower too!
The cost to repair is factored into your insurance costs, so the cheaper the car is to repair, the lower your insurance rates will be.

Invest in anti-theft and safety features

Adding additional anti-theft features (like an aftermarket alarm system) can help reduce your insurance premium.
Likewise, having better safety features in the vehicle minimize your risk of collision and tend to help you secure lower rates.

Keep a clean record

Driving responsibly is not only a good idea for keeping you and others safe… it’ll also save you money!
Accidents, tickets, and DUIs go on your driving record, which insurance providers consider when deciding on your rates. The riskier you are as a driver, the more likely you are to make a claim. To offset this, insurance companies will raise your rates.
Drive safe and save!

Look for discounts

Insurance companies offer a variety of discounts for their users. Most providers allow you to stack your discounts, so check with your provider to see how many you qualify for.
Many insurance companies offer discounts for good grades, safe driving, responsible paying, and bundling policies.

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