How Much is Insurance for a Ford Focus in Pennsylvania?

When the topic is car insurance, the words “cheap” or “affordable” should never be used as a descriptor for auto insurance rates. Please forgive the oxymoron, but cheap auto insurance for a Ford Focus can be hard, if not impossible, to find. But fear not, because we will teach you how you can still find insurance that may not be cheap, but it is affordable.

Your chances of buying the best cheap auto insurance for a Ford Focus in Pennsylvania depends on a lot of things like whether you use your Focus for business use, if you have ever let your coverage lapse, and physical damage deductibles. Pennsylvania drivers pay on average $1,120 every 12 months to insure their Focus, but that amount is rating a 50-year-old single female driver that includes full physical damage coverage and $100 policy deductibles.

Odds are that you are not a 50-year-old female, possibly married instead of single, or maybe you need higher liability limits than the state minimum. Auto insurance is not “one size fits all”, so the way we recommend to find the cheapest coverage for your Ford is to compare as many rates as you can.

Cheapest Ford Focus Insurance Rates

The trim level of your Focus will likely have an effect on the coverage cost, so the rate you will pay to insure a Focus S 4-Dr Sedan model will be $184 cheaper than the insurance cost for the more well-appointed Focus SES 2-Dr Coupe trim level, as shown in the table below.

Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in specific location information which can change auto insurance rates noticeably.

Finding the top insurer can be challenging considering how many choices drivers have in Pennsylvania. The company information displayed below may help you pick which auto insurers you want to consider when comparing rate quotes.

These rankings are only comprised of the largest companies in the United States, so companies that only write business in Pennsylvania or surrounding areas will not be included in the list. If you would like to check rates from the insurers below and more, simply click here.

Top 10 Large Auto Insurance Providers in Pennsylvania Ranked by A.M. Best Rating

1. USAA – A++
2. GEICO – A++
3. Travelers – A++
4. State Farm – A++
5. Allstate – A+
6. Nationwide – A+
7. Esurance – A+
8. Erie Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top Companies for Ford Focus Insurance in Pennsylvania

Discounts on Pennsylvania insurance

Insurance providers that provide cheap insurance for a Ford Focus in Pennsylvania may also give you policy discounts that could potentially reduce rates by as much as 35% or more if you meet the requirements. Popular insurance companies and a summarized list of policyholder discounts are outlined below.

• State Farm may have discounts that include multiple policy, good driver, student away at school, defensive driving training, driver’s education, and anti-theft.
• Farmers Insurance has savings for electronic funds transfer, mature driver, youthful driver, pay in full, and good student.
• Progressive includes discounts for online signing, multi-policy, online quote discount, homeowner, continuous coverage, and multi-vehicle.
• GEICO may include discounts for multi-policy, multi-vehicle, air bags, membership and employees, emergency military deployment, and anti-theft.
• Auto-Owners Insurance offers discounts for multi-policy, teen driver, mature driver, safe driver, and multiple vehicles.
• The Hartford offers discounts including defensive driver, bundle, good student, anti-theft, vehicle fuel type, air bag, and driver training.
• Farm Bureau offers premium reductions for 55 and retired, youthful driver, multi-vehicle, safe driver, and driver training.
• USAA discounts include military installation, annual mileage, multi-policy, safe driver, good student, loyalty savings, and new vehicle.

The chart below shows the difference between auto insurance costs with and without discounts being applied to the rates. The prices are based on a male driver, no claims or driving violations, Pennsylvania state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with defensive driving course, multiple policy, marriage, anti-theft, passive restraint, and accident-free discounts applied. When drivers take advantage of discounts, the the average yearly reduction on insurance for a Ford Focus is 28% or $517.

How careless driving impacts insurance rates

In a perfect world, the ideal way to receive affordable insurance premiums for a Focus is to drive attentively and avoid traffic citations and accidents. The chart below highlights how traffic violations and at-fault accidents increase yearly insurance costs for different insured age categories. The premiums assume a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of an auto insurance policy in Pennsylvania per year with no accidents and a clean driving record is $2,040. Receive one speeding ticket and the average cost increases to $2,312, an increase of $272 each year. Now add in two accidents along with the one speeding ticket and the yearly cost of insurance for a Ford Focus goes up to an average of $4,655. That’s an increase of $2,615, or $218 per month, just for being a careless driver!

Which major car insurance company is best?

If you are looking for the best insurance for a Focus in Pennsylvania, probably the best companies to start with are Progressive, Geico, Allstate, and State Farm. When combined, they make up almost half of all auto insurance written. The following table compares price, claims, and customer service ratings, as well as some optional coverages that policyholders can buy.