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Jerry Data & Research
Cheapest 2008 Ford Focus Car Insurance (Nov 2024)
Cheapest 2008 Ford Focus Car Insurance (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2008 Ford Focus
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How much does car insurance cost for a 2008 Ford Focus ?
- Compare the cheapest 2008 Ford Focus car insurance quotes
- The best car insurance companies for 2008 Ford Focus owners
- How expensive is 2008 Ford Focus insurance compared to other years?
- Are 2008 Ford Focuss expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2008 Ford Focus ?
The average cost of car insurance for a 2008 Ford Focus is $1,104 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2008 Ford Focus are --.
The cost of car insurance
is based on car make, model, and trim, along with safety features and driver information. To find an accurate estimate of your insurance costs for a 2008 Ford Focus, use Jerry
to get a detailed car insurance price comparison
. Compare the cheapest 2008 Ford Focus car insurance quotes
Thousands of smart Ford Focus drivers come to Jerry every month to find the best rates from top-rated providers. Jerry’s customers save an average of $7,148 per year on car insurance. Below are cheap quotes Jerry found for 2008 Ford Focus drivers.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
November 18, 2024 | 2008 Ford Focus SE | National General | $76 | Chase, 35 | • State Minimum Liability |
November 14, 2024 | 2008 Ford Focus SE | Nationwide | $72 | Dale, 30 Onancock, VA | • 50,000/100,000 Liability |
November 13, 2024 | 2008 Ford Focus SE | AAA | $104 | Herman, 37 | • 100,000/300,000 Liability |
November 7, 2024 | 2008 Ford Focus S/SE | Travelers | $116 | Addie, 54 | • State Minimum Liability • Comp / Collision |
November 3, 2024 | 2008 Ford Focus SE | Allstate | $67 | Beulah, 26 Seven Springs, NC | • State Minimum Liability |
Last Updated Nov 18, 2024However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates. The best car insurance companies for 2008 Ford Focus owners
There’s no best company for all 2008 Ford Focus drivers.
Insurance premiums are calculated
based on a wide range of factors, including driver age, driving record, and insurance history—and every company uses a slightly different algorithm to make those calculations. Jerry has conducted the largest insurance shopping survey in the nation to help people compare car insurance companies and find the best fit for them—not just in terms of price, but customer service and claims experience as well.
The table below shows how 2008 Ford Focus drivers rated different insurance companies in these three categories, as well as overall.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2008 Ford Focus insurance costs
After analyzing data from many 2008 Ford Focus drivers, we discovered that the typical monthly expense for minimum liability coverage is $92, which adds up to $1,104 annually. As for full coverage insurance, the average monthly cost for 2008 Ford Focus drivers is $171, or $2,052 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $92 | $1,104 |
Full coverage | $171 | $2,052 |
State minimum coverage
refers to the minimum amount of car insurance required by state laws, which typically includes some amount of liability insurance
. In some states, uninsured/underinsured motorist coverage
and/or personal injury protection
are also required by law. Full coverage car insurance
, on the other hand, includes collision
and comprehensive coverage
, which are not required by law. Unlike minimum coverage, full coverage provides robust protection for your vehicle against damage from accidents, auto theft, vandalism, severe weather, and more. Compare insurance information for other Fords
2008 Ford Focus insurance costs by trim level
The cost of car insurance for a 2008 Ford Focus is also influenced by trim level. Upper trims tend to come with more tech and luxury features, which raises the cost of both repairs and insurance coverage.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2008 S/SE | $177 | $104 |
2008 SE | $170 | $89 |
How expensive is 2008 Ford Focus insurance compared to other years?
Newer cars are usually more expensive to insure than older models. New technology and other components typically cost more to repair or replace, which drives up the cost of coverage.
On the other hand, new models tend to have better safety features and higher safety ratings, which can lower insurance costs. Some insurers also offer discounts for cars less than three model years old.
The table below compares the average insurance cost of a Ford Focus manufactured in 2008 with that of the four closest model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
2000 Ford Focus | $86 | $106 |
2001 Ford Focus | $80 | $133 |
2002 Ford Focus | $94 | $199 |
2003 Ford Focus | $86 | $143 |
2005 Ford Focus | $97 | $154 |
2006 Ford Focus | $86 | $146 |
2007 Ford Focus | $83 | $136 |
2008 Ford Focus | $92 | $171 |
2009 Ford Focus | $98 | $172 |
2010 Ford Focus | $87 | $167 |
2011 Ford Focus | $98 | $159 |
2012 Ford Focus | $98 | $165 |
2013 Ford Focus | $102 | $172 |
2014 Ford Focus | $99 | $171 |
2015 Ford Focus | $95 | $187 |
2016 Ford Focus | $111 | $177 |
2017 Ford Focus | $99 | $196 |
2018 Ford Focus | $98 | $200 |
Are 2008 Ford Focuss expensive to insure?
On average, car insurance for a 2008 Ford Focus costs $92. Compared with other models in a similar price range, it costs -- to insure a 2008 Ford Focus.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2008 Mini Cooper | $57 | $124 |
2008 Ford Focus | $92 | $171 |
2008 Buick LaCrosse | $94 | $147 |
2008 Jeep Liberty | $99 | $147 |
2008 Toyota 4Runner | $112 | $136 |
Insurance companies look at more than your car’s make and model to determine the cost of coverage. They’ll take into account the age of the vehicle, its MSRP and actual cash value, the size of its engine, and the likelihood of claims after a crash.
What other factors affect 2008 Ford Focus insurance rates?
Car insurance companies consider the following factors when generating quotes:
- The kind of car you have: Collision and comprehensive coverage cost more for luxury vehicles, sports cars, and any high-performance vehicle.
- Your age: Young drivers (below age 25) pay higher insurance rates based on their lack of driving experience compared to older drivers. Drivers above age 75 also see higher rates based on declining road safety.
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets in the past five years.
- Where you keep your car: Insurance rates vary from state to state and even between different ZIP codes based on theft rates, accident statistics, and weather patterns in your area.
2008 Ford Focus insurance costs for young drivers
Teen drivers
typically pay the most for car insurance on account of their inexperience on the road. These spiked rates can stay on the higher side until a driver is at least 25 years old.
Clearcover
Mattie (24 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$215
per month
2008 Ford Focus insurance costs for senior drivers
On the whole, senior drivers pay some of the lowest car rates—they’re more established motorists and providers take note of that when determining insurance premium costs.
But that doesn’t necessarily extend to every senior. Insurance costs will actually rise for seniors over the age of 70 on account of increased driver error and the likelihood of more serious injuries in the event of a crash.
Curtis (74 years old)
$121
per month
2008 Ford Focus insurance cost for drivers with driving violations
Drivers with recent violations on their record will typically see higher insurance costs. Common violations can range from speeding tickets and driving without insurance to at-fault accidents and DUIs.
Here’s how much real policyholders pay for insurance if they have violations on their record.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $131 | Eddie, 27 | • State Minimum Liability | |
Careless Driving | Bristol West | $108 | Theresa, 33 | • State Minimum Liability | |
Driving on Sus. License | National General | $68 | Abbie, 35 | • State Minimum Liability | |
Failure to Obey Signal | Nationwide | $72 | Dorothy, 29 Onancock, VA | • 50,000/100,000 Liability | |
Improper Passing | Dairyland | $156 | Connor, 23 | • State Minimum Liability |
Last Updated Nov 23, 2024How can I lower the cost of insurance for my 2008 Ford Focus?
Smart shopping strategies
and car insurance discounts
can help you lower the cost of coverage for a 2008 Ford Focus. Here’s how: - Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.Jerrymakes the comparison process quick and easy!
- Use a broker: Unlike captive agents and even most independent agents,car insurance brokersearn commissions without adding to your insurance costs or pushing you towards a more expensive policy.
- Bundle multiple policies: If you also pay for home or renters insurance, you can bundle your policies with a single provider to save money.Home and auto bundlessave drivers an average of 15% or more!
- Check for discounts: Most insurers offer discounts for everything from good grades to staying accident-free—or even for buying a new vehicle!
- Enroll in a usage-based insurance program: Almost every major insurer offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts—and you’ll often get a discount just for signing up!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.