Cheapest Insurance for a Ford Focus in Kentucky

Finding affordable car insurance for a Ford Focus in Kentucky depends on a complex calculation that is influenced by things such as whether or not your vehicle has good safety ratings, if you are a frequent claim filer, and your policy deductibles. Drivers pay approximately $790 each year to insure their Focus, but that price is an estimation that rates a 50-year-old married male driver that purchased both comprehensive and collision coverage and $500 physical damage deductibles.

But there is a high probability that you’re not a 50-year-old male, maybe you are single instead of married, and you need different coverage limits than the sample rates. Even a very minor difference in input factors can result in a massive change in policy price.

Insurance is an individual thing, so your best shot at finding cheap insurance prices for your Ford is to regularly compare rates at renewal.

View Ford Focus Insurance Rates

The specific trim level tends to have a direct impact on the cost of coverage, so the price you will be charged to insure a Focus S 4-Dr Sedan trim level will be $126 less expensive the price to insure the more expensive Focus SES 2-Dr Coupe model, as shown in the prices below.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Rate information does not factor in garaging location in Kentucky which can increase or decrease auto insurance rates noticeably.

Deciphering which companies have the cheapest auto insurance rates for a Ford Focus will take more time in order to find the lowest price quote. Each company has a proprietary method to determine rates, so let’s take a look at the most budget-friendly auto insurance companies in Kentucky.

Compare Cheap Insurance Quotes for Your Focus

Click Here to Start Your Quote

Cincinnati Insurance offers some of the best car insurance rates in Kentucky at around $1,082 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also qualify as some of the cheapest Kentucky auto insurance companies.

As the example above demonstrates, if you currently buy coverage from USAA and switched to Cincinnati Insurance, you could earn yearly savings of roughly $129. Customers with Auto-Owners might save as much as $289 a year, and Motorists Mutual customers might cut rates by $519 a year.

It’s important to note that these premium estimates are averaged across all ages of drivers and types of vehicles and do not take into consideration a specific rating modification for a Ford Focus. So the car insurance company that fits your needs best may not even be shown in the list of companies shown earlier. That underscores the importance of why you need to get rate quotes from many companies using your own driver information and specific vehicle type.

Careless Kentucky drivers pay higher rates

In a perfect world, the ideal way to earn the cheapest insurance for a Ford Focus in Kentucky is to drive safely and avoid accidents and keep your driving record clean. The illustration below shows how violations and fender-benders impact auto insurance costs for each different age category. The price estimates are based on a single female driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance in Kentucky per year with a clean driving record and no accidents is $1,607. Get one speeding ticket and the average cost surges to $1,825, an increase of $218 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Focus increases to an average of $2,435. That’s an increase of $829, or $69 per month, just for being a little careless behind the wheel!

Does Geico, Progressive, State Farm, or Allstate have the cheapest car insurance?

When it comes to buying insurance for a Focus in Kentucky, some of the first companies to look at are Geico, Progressive, State Farm, and Allstate. Combined they insure almost 50% of all car insurance policies written. The next table compares and contrasts ratings and policy coverage options that are available from each company.