Services
Insurance
Loans
Repairs
Advice
About

Cheapest 2009 Ford Focus Car Insurance (Dec 2023)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2009 Ford Focus
compare
Find Insurance Savings (100% Free!)
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does car insurance cost for a 2009 Ford Focus

The average cost of car insurance for a 2009 Ford Focus is $1,176 to meet state minimum requirements. Compared to other models in a similar price range, insurance costs for the 2009 Ford Focus are 17% less
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 2009 Ford Focus, use
Jerry
to get a detailed
car insurance price comparison

Compare the cheapest 2009 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 $1,629 per year on car insurance. Below are cheap quotes Jerry found for 2009 Ford Focus drivers.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
November 28, 2023
Travelers
$97
• State Minimum Liability
• Comp / Collision
November 18, 2023
Nationwide
$162
• 50,000/100,000 Liability
• Comp / Collision
November 16, 2023
Safeco
$88
• 100,000/300,000 Liability
November 14, 2023
Allstate
$116
• 50,000/100,000 Liability
• Comp / Collision
November 13, 2023
Progressive
$152
• State Minimum Liability
coverageLast Updated Nov 28, 2023
However, 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 2009 Ford Focus owners

There’s no best company for all 2009 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 2009 Ford Focus drivers rated different insurance companies in these three categories, as well as overall.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer 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
Highlighticon

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.

Average 2009 Ford Focus insurance costs

From working with lots of 2009 Ford Focus drivers, we found that the average cost of minimum liability coverage is $98 per month, or $1,176 per year. The average cost for full coverage insurance for 2009 Ford Focus drivers is $172 per month or $2,064 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$98
$1,176
Full coverage
$172
$2,064
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.

2009 Ford Focus insurance costs by trim level

The cost of car insurance for a 2009 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 & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
$278
$68
$164
$101
$167
$99
$167
$100

How expensive is 2009 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 2009 with that of the four closest model years.

Are 2009 Ford Focuss expensive to insure? 

On average, car insurance for a 2009 Ford Focus costs $98. Compared with other models in a similar price range, it costs 17% less to insure a 2009 Ford Focus.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
$59
$155
$64
$147
$98
$172
$102
$153
$102
$182
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 2009 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.

2009 Ford Focus insurance costs for young drivers

The Ford Focus is a popular car with many young drivers—but don’t expect insurance to come cheap. Drivers between the ages of 16 and 25 pay some of the highest rates for car insurance. 
Teen drivers
in particular can expect to pay high rates due to a high rate of accidents and violations. 
Rosetta (23 years old)
coverageCoverage
State Minimum
$152
per month
Lola (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$213
per month
George (24 years old)
coverageCoverage
State Minimum
$151
per month
Micheal (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
$133
per month
Sam (20 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
$165
per month

2009 Ford Focus insurance costs for senior drivers

On the other end of the spectrum,
senior drivers
typically enjoy some of the lowest rates for 2009 Ford Focus insurance. 
That’s because drivers over age 55 have more experience than just about anyone else on the road. 
The catch: around your mid-70s, you’ll likely see your car insurance rates start to climb again due to increased driver error and a higher likelihood of serious injuries. 
Milton (65 years old)
coverageCoverage
State Minimum
$163
per month

2009 Ford Focus insurance cost for drivers with driving violations 

Speeding, DUIs, and at-fault accidents aren’t the only incidents on your driving record that can raise rates. 
The table below compares quotes for 2009 Ford Focus drivers with a range of violations in their past.
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Defective Equipment
Progressive
$113
• State Minimum Liability
Failure to Obey Signal
Safeco
$132
• State Minimum Liability
Careless Driving
Bristol West
$190
• State Minimum Liability
Driving on Sus. License
AAA
$87
• State Minimum Liability
Failure to Yield
National General
$188
• State Minimum Liability
coverageLast Updated Dec 1, 2023

How can I lower the cost of insurance for my 2009 Ford Focus?

Smart shopping strategies
and
car insurance discounts
can help you lower the cost of coverage for a 2009 Ford Focus. Here’s how: 
  • Compare at least three quotes: Never buy car insurance without comparing quotes from at least three different insurance providers.
    Jerry
    makes the comparison process quick and easy!    
  • Use a broker: Unlike captive agents and even most independent agents,
    car insurance brokers
    earn 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 bundles
    save 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

avatar
R.E. Fulton
Expert Insurance Writer and Editor
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.
avatar
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.
avatar
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.