Who Has Cheap Insurance for a Ford Focus in Minnesota?

Your chances of buying the cheapest car insurance for a Ford Focus in Minnesota depends on a calculation that uses factors such as how you use your vehicle, whether or not you garage your vehicle, and any prior driving offenses. Drivers will pay around $940 each year for Focus insurance, but that rate is an estimate using rate data for a 40-year-old married male who needs comprehensive and collision coverage and $250 deductibles.

More than likely, you may not be 40 years old (or even male), single instead of married, or maybe you had a chargeable driving offense. What seems to be a minor change in rating factors can generate big changes in how much insurance for a Ford Focus costs.

Auto insurance is not “one size fits all”, so the most reliable method for finding cheap car insurance rates for your Ford is to take your time and compare rates from as many companies as possible.

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Your vehicle’s trim level has an effect on the insurance rate, so the rate you pay to insure a Focus S 4-Dr Sedan will be $154 less expensive the cost to insure the more costly Focus SES 2-Dr Coupe trim level, as shown by the rates below.

Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Minnesota minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Information does not factor in your specific Minnesota location which can revise insurance rates significantly.

Choosing the top auto insurance provider can be challenging considering how many choices there are in Minnesota. The company rank data in the next section could help you choose which auto insurance companies you want to consider comparing rate quotes with.

These rankings are for companies who write in the majority of U.S. states, so companies that only write business in Minnesota or surrounding areas are not factored into the list. To get price quotes and find cheaper insurance for a Ford Focus, just click here.

Top 10 Major Auto Insurers in Minnesota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Top 10 Major Auto Insurers in Minnesota Ranked by Claims Service

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Top Companies for Ford Focus Insurance in Minnesota

Impact of careless driving on insurance rates

The easiest method to enjoy cheap insurance rates in Minnesota for a Focus is to be a cautious driver and not have accidents or get tickets. The example below highlights how speeding tickets and accident claims can drive up insurance prices for different age groups of insureds. The premium estimates are based on a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

In the previous chart, the average cost of car insurance in Minnesota per year with no accidents or violations is $1,508. Get written up for one speeding ticket and the average cost rises to $1,738, an increase of $230 each year. Then throw in one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Focus jumps again to an average of $2,377. That’s an increase of $869, or $72 per month, just for not paying attention while driving!

Who has the cheapest Focus insurance?

Minnesota insurance rates are calculated based on many things which can significantly increase or decrease the policy premium. Simply improving your credit, getting married, or getting into an accident may generate price changes resulting in some companies being cheaper than competitors. Additionally, auto insurance companies modify rates as often as every quarter in order to protect their financial rating. Heavy losses can cause increased rates, while a better claims history may result in lower-cost Focus insurance rates.

To help illustrate this point, the bar chart below shows which company has the cheapest car insurance in Minnesota for a 45-year-old male driver with a clean driving record, no accidents, and a good credit history. If we estimate prices based on his current risk factors, Travelers might quote the cheapest car insurance rates in Minnesota at $661 per year. This is $760 less than the average rate paid by Minnesota drivers of $1,421. USAA, Farm Bureau Mutual, Western National, and West Bend Mutual also make the list of the top five cheapest Minnesota auto insurance companies.

In this example, we will give the driver from above an accident surcharge, a lower credit rating, and a stop sign violation. Due to the fact that every insurance company has a different formula to determine rates, comparing rates may result in a substantially altered list of the cheapest car insurance companies in Minnesota as shown below.

Farm Bureau Mutual now has the cheapest insurance rate in Minnesota with Allied, USAA, California Casualty, and State Farm also having competitive pricing. This example shows why it is crucial to spend some time comparing rates to find the most affordable insurance rates for a Ford Focus. Car insurance prices are calculated by many risk factors and can change substantially, so the cheapest rate the last time you checked may now be one of the more expensive options.

How to find economical car insurance for a Ford Focus

It’s not impossible to find cheaper rates, and here are a few thrifty solutions that can help drivers find low-cost car insurance.

• Increase your comprehensive and collision deductibles
• Drop full coverage on older vehicles
• Avoid getting tickets or violations
• Good credit can help you save money
• Safer vehicles cost less to insure
• Being accident-free can lower rates significantly
• Compare prices frequently to find the best deal

That final tip is extraordinarily necessary, as was affirmed in this piece. Coverage prices change constantly, so don’t be unwilling to switch carriers if a better deal can be had.

Having a favorite company is fine, but it isn’t a good idea if it’s costing you several hundred dollars every year. Take a few minutes and compare rates and find cheaper auto insurance for a Ford Focus.

Who has the cheapest Ford Focus insurance quotes?

There are many ways to purchase insurance in Minnesota, but the most frequently used are from an independent or non-exclusive agent, an exclusive insurance agency like Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive. Each way has the same basic steps, but it’s important to point out the distinctions in how they provide price quotes.

Independent agencies work with multiple companies and can compare rates with every one. They are appointed with more than one company and can give you more rate choices, which can give you a better chance of saving money. If a cheaper price is found, they can switch companies in-house and you don’t have to switch agencies.

An exclusive agent is only able to quote your policy with a single insurance company such as an Allstate or Liberty Mutual agent. Exclusive agencies are unable to quote rates from more than one company, so if rates are not competitive, they cannot shop around.

Buying from a direct company means bypass an agent and instead buy direct from companies such as Esurance or Geico. Buying insurance direct may be a decent choice consumers who do not need risk management and have a good understanding of what coverages, limits, and deductibles they need.

So out of those three methods, which one works best to find cheap insurance for a Ford Focus in Minnesota? We would first guess that buying from a direct company results in the best prices because you bypass the middleman, but that is not always the case. We’d also like to say an independent agent saves the most money due to having more companies to select from, but that assumption is also not necessarily accurate. In many cases, exclusive agents may have very competitive prices that are the cheapest in Minnesota.

Due to that fact that insurance uses so many rating variables, the only true way to buy the cheapest coverage is to get as many comparison quotes as possible. The best approach is to get prices from all three types to have a good selection of rates to choose from. For a list of companies offering online discounts, click here to view.