Red Ford Focus car driving on freeway, motion blur. View of road with auto in motion

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Compare Ford Focus car insurance in the UK

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How much does it cost to insure a Ford Focus?

Annual Ford Focus car insurance premiums typically range from around £570 to more than £2,200. Exact costs depend on variables such as the driver’s age and the car’s model and parking location.

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How are Ford Focus insurance costs calculated?

Insurers primarily consider the following factors when calculating insurance costs:

Driving record

Having a clean record often lowers your insurance costs. At-fault accidents, traffic violations and disqualifications all contribute to rate increases.

Vehicle use

Your annual mileage impacts your insurance premiums. A standard policy costs more than a low-mileage policy, which you could qualify for if you use your car occasionally for recreation or very short trips.

Vehicle security

Insurers offer discounts for approved security devices and for safe garaging. These could minimise theft and damage claims.

What factors could increase my Ford Focus insurance rates?

  • Engine size: models with larger engines, such as the 2.3-litre turbocharged Focus RS, have higher premiums than cars with smaller 1.0-litre engines
  • Performance model: premiums are higher for Ford Focus ST models than they are for the Zetec and Titanium models
  • Driver age: young drivers aged 20 and under pay higher insurance rates because premiums decrease as drivers’ ages increase until they turn 55. After that, their premiums start increasing
  • No-claims bonus (NCB): motorists who go many years without making claims are rewarded with NCBs
  • Location: car insurance is more expensive for people who live in high-crime urban areas than it is for residents of lower-risk rural areas. And it matters to insurers whether you park your Focus on a public road or in a secure garage or private car park
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Tips for reducing Ford Focus insurance premiums

To help you find the best insurance plan, shop around by using price comparison websites to get quotes from different providers. You could also:

  • Find providers who offer discounts for multi-car policies and advanced driving course completion
  • Set a high voluntary excess of £500 or more to lower your premiums if you can afford the extra costs you’ll incur when claiming
  • Consider adding a second motorist (such as a partner or parent) to your policy if you’re young. Their good driving record might reduce your rates
  • Limit the use of your Focus to occasional recreational driving so you can qualify for low-mileage insurance
  • Improve security with devices your insurer has approved, such as an alarm and an immobiliser, and park in a safe garage

Ford Focus insurance FAQs

The insurance group a car falls into depends on factors such as model, engine specifications and trim level. Different types of Ford Focus cars are categorised under groups with numbers from 6 to 43.

The Focus has a reputation as a dependable family car that is reasonably affordable to maintain and repair.

The newest-generation Focus has a five-star Euro NCAP safety rating with high scores for adult and child occupant protection.

The Ford Focus’s fuel consumption is 36-81mpg, which varies among different models depending on what type of engines they have and whether they run on petrol or diesel.

The now-discontinued Ford Focus Electric didn’t sell in the UK, where hardly any of these vehicles currently remain on the road. But there are mild hybrid Ford Focus models, which have battery-driven electric motors that assist their conventional engines.

Connor Campbell new profile April 2024

Connor Campbell

Senior Finance Writer

Connor Campbell is an experienced personal and business finance writer who has been producing online content for almost a decade. 

Connor is the personal finance expert for Independent Advisor, guiding readers through everything they need to know about car insurance and home insurance. From how much it costs to the best insurance providers in the UK, he’s here to help you find the right policy for your needs. 

In his capacity as writer and spokesperson at NerdWallet, Connor explored a number of topics close to his heart, such as the impact of our increasingly cashless society, and the hardships and heroics of British entrepreneurs. His commentary was featured in sites such as The Mirror, the Daily Express and Business Insider

At financial trading firm Spreadex, meanwhile, his market commentary was featured in outlets such as The Guardian, BBC, Reuters and the Evening Standard

Connor is a voracious reader with an MA in English, and is dedicated to making life’s financial decisions a little bit easier by doing away with jargon and needless complexity.