Buying the best cheap insurance for a Ford Focus in California can be really easy, but it relies on a lot of things such as whether you are married or single, where you live, and your choice of deductibles. California drivers pay approximately $1,046 per year to insure their Focus, but that cost is a projection calculated based on a 40-year-old married female driver with full comprehensive and collision coverage and $1,000 deductibles.
The problem with using this number is the good chance you are not 40 years old and maybe not even female, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Just a minor difference in rating criteria could result in a significant change in the price of coverage.
Not every driver requires the same auto insurance coverages, so the only real way to find cheap insurance prices for your Ford is to just compare rates yourself. To cut your rates now, get a free quote and you can get prices from the cheapest companies that insure Ford vehicles in California.
The trim level of your Focus tends to have a direct effect on the insurance rate, so the price you pay to insure a Focus S 4-Dr Sedan trim level will be $170 less than the insurance cost for the higher-end Focus SES 2-Dr Coupe model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Focus S 4-Dr Sedan | $158 | $354 | $464 | $28 | $138 | $1,142 | $95 |
| Focus SE 4-Dr Sedan | $158 | $354 | $464 | $28 | $138 | $1,142 | $95 |
| Focus SEL 4-Dr Sedan | $158 | $418 | $464 | $28 | $138 | $1,206 | $101 |
| Focus SES 4-Dr Sedan | $158 | $418 | $464 | $28 | $138 | $1,206 | $101 |
| Focus SE 2-Dr Coupe | $182 | $418 | $524 | $32 | $156 | $1,312 | $109 |
| Focus SES 2-Dr Coupe | $182 | $418 | $524 | $32 | $156 | $1,312 | $109 |
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Premium costs do not factor in specific location information which can lower or raise price quotes greatly.
Finding reliable, cheap insurance is not easy, and finding out which insurers offer the cheapest car insurance rates for a Ford Focus may require even more shopping around.
Each company has their own formula for determining prices, so let’s begin by examining the car insurance companies with the overall best prices in Bakersfield, CA.
Find Cheaper Auto Insurance for Your Focus
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,433 |
| 8 | Mercury | $1,488 |
| 9 | GEICO | $1,513 |
| 10 | Progressive | $1,542 |
| 11 | Allstate | $1,543 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,623 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,750 |
| 17 | Esurance | $1,756 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $1,966 |
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USAA has some of the lowest car insurance rates in Bakersfield at around $1,121 each year. This is $530 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA would also make the list of some of the cheapest Bakersfield, CA car insurance companies.
In the rate table above, if you currently have a policy with Century National and switched to Wawanesa, you could earn annual savings of in the neighborhood of $45. Insureds with CSAA might save as much as $53 a year, and 21st Century policyholders might reduce prices by as much as $157 a year.
It’s important to note that these premium estimates are averages across all ages of drivers and types of vehicles and and are not calculated with a specific zip code for a Ford Focus. So the insurer that can offer you the best rate may not even be in the top 24 companies in the list above. That helps illustrate why you need to get quotes using your own personal information and vehicle type.
Difference between full coverage and liability only rates
Lowering the price of car insurance is important to the majority of vehicle owners, and an easy way to buy cheap insurance for a Ford Focus is to buy liability only. The chart below visualizes the comparison of insurance premiums with full coverage compared to only the California minimum liability coverage. The premium estimates are based on no claims or driving violations, $500 deductibles, marital status is single, and no other discounts are factored in.
As an average for all age groups, physical damage insurance costs an additional $2,414 per year over having just liability coverage. That brings up the question if paying for full coverage is a waste of money. There is no clear-cut formula of when to eliminate full coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then you may need to consider dropping full coverage.
Safe drivers Bakersfield pay cheaper rates
A great way to earn cheap car insurance prices for a Focus is to drive cautiously and avoid accidents and violations. The example below illustrates how traffic citations and fender-benders influence yearly insurance costs for each different age group. Data assumes a single male driver, full physical damage coverage, $250 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of an auto insurance policy in Bakersfield per year with no accidents and a clean driving record is $2,879. Receive one speeding ticket and the average cost rises to $3,245, an increase of $365 each year. Now add in one accident along with the one speeding ticket and the yearly cost of car insurance for a Ford Focus increases to an average of $4,294. That’s an increase of $1,415, or $118 per month, just for being a careless driver!
How to find budget-friendly auto insurance for a Ford Focus
It’s not impossible to find cheaper rates, and here are many penny-pinching suggestions that can help drivers quote lower-cost coverage.
- Improve your credit rating
- Drive a car with a high safety rating
- Try to remain claim-free
- Do not get tickets or violations
- Avoid having at-fault accidents
- Shop your coverage around for the best deal
That last idea is notably crucial, as was noted in this article. Auto insurance prices can be adjusted at any time, so you should be ready to switch to a new company if a lower-cost policy is available.
Many drivers tend to have loyalty to a certain company, but we do not recommend it if it’s costing you money that could be going to better use. Now is a great time to shop around and find cheaper auto insurance for a Ford Focus in Bakersfield.