Cheap Insurance for a Ford Focus in Vermont

Cheap Insurance for a Ford Focus in Vermont

Your ability to find cheap auto insurance for a Ford Focus in Vermont relies on a lot of factors like age of the vehicle, if you have prior claims, and any prior driving offenses. Vermont drivers on average will pay $810 annually to buy insurance for a Ford Focus, but that rate is a ballpark figure based upon a 30-year-old single female driver that wants full coverage including both comprehensive and collision and $500 policy deductibles.

There is a very good chance that you aren’t exactly 30 years old or even a female, you might be married instead of single, or you need different physical damage deductibles. What seems to be a minor change in rating variables or coverage information could end up in a significant change in policy price.

Auto insurance is unique to each driver, so the way we recommend to find the cheapest coverage for your Ford is to do your own rate comparisons.

Insure Your Ford for Less

The specific trim level will be a contributing factor to the yearly cost, so the rate you pay to insure a Focus S 4-Dr Sedan model will be $136 cheaper than the insurance cost for the more costly Focus SES 2-Dr Coupe version, as demonstrated by the prices below.

Ford Focus Insurance Rates in Vermont
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $144 $306 $320 $18 $96 $884 $74
Focus SE 4-Dr Sedan $144 $306 $320 $18 $96 $884 $74
Focus SEL 4-Dr Sedan $144 $362 $320 $18 $96 $940 $78
Focus SES 4-Dr Sedan $144 $362 $320 $18 $96 $940 $78
Focus SE 2-Dr Coupe $166 $362 $362 $22 $108 $1,020 $85
Focus SES 2-Dr Coupe $166 $362 $362 $22 $108 $1,020 $85
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Vermont minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in vehicle location which can decrease or increase insurance rates substantially.

Finding out which companies quote the best auto insurance rates for a Ford Focus requires more time than just comparing a company or two. Each auto insurer uses their own formula for establishing rates, so let’s take a look at the auto insurance companies with the most affordable rates in Vermont.

Cheap Insurance Rates for Your Focus

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Vermont car insurance ranked by cost per year
Rank Company Cost Per Year
1 Safeco $463
2 California Casualty $519
3 USAA $638
4 The Hartford $646
5 Travelers $708
6 Unitrin $717
7 Co-Operative Insurance $783
8 Concord $857
9 GEICO $883
10 MMG Insurance $1,063
11 MetLife $1,095
12 National Grange Mutual $1,133
13 Progressive $1,247
14 Nationwide $1,248
15 State Farm $1,263
16 Liberty Mutual $1,352
17 Vermont Mutual $1,564
18 Allstate $1,583
19 Sentry $1,864
20 Union Mutual $1,997
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Safeco quotes some of the cheapest car insurance rates in Vermont at around $463 a year. California Casualty, USAA, The Hartford, and Travelers also qualify as some of the cheapest Vermont auto insurance companies.

As the rates illustrate above, if you are a policyholder with The Hartford and switched to California Casualty, you could realize a yearly price reduction of in the neighborhood of $127. Drivers with Travelers may save as much as $189 a year, and Unitrin policyholders might lower prices by up to $198 a year.

These prices are averages across all types of insureds and vehicles and do not factor in a specific rate factor for a Ford Focus. So the insurer that fits your situation best may not even be featured in the rate chart shown above. That helps illustrate why you need to get quotes using your own individual information.

Discount Vermont insurance

Cheaper Vermont auto insurance for a FocusInsurance companies that offer cheap insurance for a Ford Focus in Vermont may have price discounts that can reduce rates by 25% or more if you can meet the requirements. A list of auto insurance companies and some of the premium reductions they offer are detailed below.

Car Insurance Discounts for Popular Insurance Companies
Discount State Farm Geico Allstate Progressive Farmers Liberty Mutual Nationwide
Multi-policy Yes Yes Yes Yes Yes Yes Yes
Multiple vehicles Yes Yes No Yes Yes Yes Yes
Anti-theft Yes Yes Yes Yes Yes Yes Yes
Safe vehicle Yes Yes Yes No No Yes No
Air bags Yes Yes Yes No Yes Yes Yes
Daytime running lights Yes Yes No No Yes No No
New vehicle Yes No Yes No Yes No Yes
Green vehicle No No Yes No Yes Yes No
No accidents Yes Yes Yes Yes Yes No Yes
Defensive driving course Yes Yes Yes Yes Yes No Yes
Armed forces Yes Yes No Yes Yes No No
Occupational No Yes No No Yes Yes Yes
Full payment No Yes Yes Yes Yes Yes Yes
Automatic payment No Yes Yes Yes Yes Yes Yes
Customer loyalty Yes No No Yes Yes No Yes
Early signing No No Yes No Yes No Yes
Good grades Yes Yes Yes Yes Yes Yes Yes
Student at college Yes No Yes Yes Yes Yes Yes
Own a home No No No Yes Yes No No
Seat belt use No Yes No No No No No
Online quote No No No Yes No No No
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The illustration below shows the comparison of insurance rates with and without some available policy discounts. The premium estimates are based on a male driver, no accidents, no driving violations, Vermont state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, safe-driver, homeowner, passive restraint, vehicle safety, and multiple vehicle discounts applied. In this example, the average savings per year on auto insurance for a Ford Focus is 13% or $315.

Which car insurance company is best?

When it comes to buying insurance for a Focus in Vermont, four companies to definitely compare rates with are Allstate, Progressive, Geico, and State Farm. When added together, they insure over 48% of all auto insurance written. The next table points out price, claims, and customer service ratings, as well as some optional coverages that policyholders can buy.

Top Four Auto Insurance Companies Compared
Allstate Progressive Geico State Farm
Policy Discounts 1st 4th 2nd 3rd
Price Overall 4th 3rd 1st 2nd
Handling of Claims 1st 4th 3rd 2nd
Overall Satisfaction 2nd 3rd 1st 4th
Market share percentage 10% 8.8% 11.4% 18.3%
Percent of customers who recommend 86% 88% 87% 88%
Rating from A.M. Best A+ A+ A++ A++
S&P financial rating AA- AA AA+ AA
Accident forgiveness Yes Yes Yes No
Mechnical breakdown No Yes Yes No
Emergency roadside assistance Yes Yes Yes Yes
New car replacement insurance Yes No No No
Rideshare insurance Yes Yes Yes Yes
Usage-based rating Yes Yes No Yes
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