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.
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.
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 |
Get Your Own Custom Quote Go |
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
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 |
Find Cheaper Rates Go |
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.
Insurance 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.
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 |
Compare Rates Go |
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.
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.
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 |
Compare Prices Go |