Best Cheap Insurance Quotes for a Ford Focus in New York

Best Cheap Insurance Quotes for a Ford Focus in New York

Because the topic is car insurance, the word cheap should not be used anywhere in the article to describe car insurance prices. It’s a simple fact that cheap auto insurance for a Ford Focus may be a thing of the past. But don’t despair, because we will tell you how you can still find and buy coverage that is cheaper than what you are paying now.

Your chances of finding cheap car insurance for a Ford Focus in New York depends on a large number of rating criteria like the safety features built into your vehicle, the size of your vehicle, and driving violations. New York drivers pay around $1,020 annually to insure a Ford Focus, but that price is a valuation that uses rate data for a 40-year-old single male driver that wants comprehensive and collision coverage and $100 policy deductibles.

When making auto insurance estimates, the issue arises that you are not a 40-year-old male, married instead of single, or maybe your Focus is old enough that it doesn’t require full coverage. Having what appears to be a very minor change in quote information can cause large differences in the policy cost.

Auto insurance is not “one size fits all”, so your best shot at finding the most affordable coverage for your Ford is to regularly compare rates at renewal.

Find Cheaper Ford Focus Insurance

Your vehicle’s trim level tends to impact the cost of coverage, so the price to insure a Focus S 4-Dr Sedan trim level will be $172 lower than the price to insure the more expensive Focus SES 2-Dr Coupe model, as shown below.

Ford Focus Insurance Rates in New York
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $194 $474 $320 $18 $96 $1,102 $92
Focus SE 4-Dr Sedan $194 $474 $320 $18 $96 $1,102 $92
Focus SEL 4-Dr Sedan $194 $558 $320 $18 $96 $1,186 $99
Focus SES 4-Dr Sedan $194 $558 $320 $18 $96 $1,186 $99
Focus SE 2-Dr Coupe $224 $558 $362 $22 $108 $1,274 $106
Focus SES 2-Dr Coupe $224 $558 $362 $22 $108 $1,274 $106
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and New York minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in New York location which can raise or lower premium rates considerably.

Finding out which companies offer the cheapest auto insurance rates for a Ford Focus requires more time in order to find a policy that fits your budget. Each insurance company uses a slightly different approach to determine premium rates, so we’ll go over the auto insurance companies that tend to be cheaper in New York.

We do need to point out that New York auto insurance rates are impacted by many things that can increase the cost of having a policy. Simply turning a year older, becoming a homeowner, or having a fender bender may generate price changes that may make certain companies much cheaper than others.

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Cheapest insurance companies in New York
Rank Company Cost Per Year
1 USAA $1,163
2 Erie $1,205
3 Utica National $1,489
4 Progressive $1,512
5 Travelers $1,559
6 Allstate $1,588
7 MetLife $1,620
8 Amica $1,628
9 Preferred Mutual $1,686
10 GEICO $1,850
11 New York Central Mutual $1,874
12 Safeco $1,946
13 Central Mutual $1,948
14 State Farm $1,962
15 Liberty Mutual $2,066
16 Hanover $2,393
17 Encompass $2,583
18 Nationwide $3,178
19 Mercury $3,926
20 21st Century $4,455
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USAA normally has some of the most affordable car insurance rates in New York at around $1,163 per year. Erie, Utica National, Progressive, and Travelers would also make the list of some of the cheaper New York auto insurance companies.

As shown in the rates above, if you currently have coverage with Utica National and switched to USAA, you may realize a yearly savings of around $326. Customers with Progressive may save as much as $349 a year, and Travelers insureds might realize rate reductions of up to $396 a year.

To find out how much you can save, click here or quote prices from the following companies.

It’s important to note that these policy prices are averages across all types of drivers and the different vehicles they drive and do not factor in a specific rate value for a Ford Focus. So the company that is best for you may not even be shown in the list of companies shown earlier. That point stresses why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Impact of speeding/accidents on auto insurance rates

The easiest method to snag the best cheap insurance for a Ford Focus in New York is to drive cautiously and avoid traffic citations and accidents. The chart below illustrates how speeding tickets and accidents can impact insurance costs for different age groups. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

The data in the chart shows the average cost of a car insurance policy in New York per year with no accidents or violations is $1,307. Receive two speeding tickets and the average cost surges to $1,742, an increase of $435 each year. Now add two accidents along with the two speeding tickets and the yearly cost of auto insurance for a Ford Focus jumps again to an average of $3,541. That’s an increase of $2,234, or $186 per month, just for being a less-than-perfect driver!

Liability only or full coverage

Finding the best cheap insurance for a Ford Focus in New York is probably important to the majority of people, and an easy way to find cheap insurance is to buy only liability coverage. The chart below shows the difference between insurance premiums with full phyical damage coverage and with liability coverage only. The information is based on no accidents, no driving violations, $250 deductibles, single status, and no discounts are factored in.

If all age groups are averaged, full coverage costs an extra $1,863 per year over and above liability coverage. That amount may make you wonder when is it a good idea to stop buying full coverage. There is no clear-cut rule for excluding full coverage, but there is a general school of thought. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement cost is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 a year for your policy with full coverage, then you may need to consider dropping full coverage.

There are some conditions where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

How to get the best cheap insurance for a Ford Focus in New York

Here are some of the recommended penny-pinching suggestions that can help New York drivers locate more affordable coverage.

  • Raise deductibles
  • Buying car and homeowners insurance together can save money
  • Lower rates by purchasing a safer vehicle
  • Good credit can mean cheaper rates
  • Do not pay for comprehensive and collision coverage on older vehicles
  • Frequent claims may make car insurance unaffordable
  • Compare price quotes at least once a year

The last suggestion is especially significant, as we hit on in this piece. Prices charged by companies in New York adjust frequently, so don’t be unwilling to change to a new company if a cheaper rate is available.

Being loyal to a particular company is commendable, but it’s not a good idea if it’s costing you hundreds of dollars year after year. If you have a few minutes, compare rates and find cheaper insurance for a Ford Focus.

Best rates: Progressive, State Farm, Allstate, or Geico

If you’re looking for the cheapest insurance for a Focus in New York, the most popular companies are Progressive, State Farm, Allstate, and Geico. The table below shows price, claims, and customer service ratings, as well as some optional coverages .

Top Four Car Insurance Companies Compared
Progressive State Farm Allstate Geico
Price Overall 3rd 2nd 4th 1st
Claims Service 4th 2nd 1st 3rd
Discounts Offered 4th 3rd 1st 2nd
Client Satisfaction 3rd 4th 2nd 1st
Amount of market share 8.8% 18.3% 10% 11.4%
Customers who recommend 88% 88% 86% 87%
A.M. Best financial rating A+ A++ A+ A++
Standard & Poor’s financial rating AA AA AA- AA+
Accident forgiveness Yes No Yes Yes
Roadside service Yes Yes Yes Yes
Coverage for ridesharing Yes Yes Yes Yes
Breakdown insurance Yes No No Yes
New car replacement insurance No No Yes No
Rate for vehicle usage Yes Yes Yes No
Types of agents used Online or from independent agents Can only buy from State Farm agents Allstate exclusive agents Can buy online or use a Geico agent
Number of agents 30,000+ 18,000+ 11,000+ 150+
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