How Much are Insurance Quotes for a Ford Focus in Mississippi?

How Much are Insurance Quotes for a Ford Focus in Mississippi?

Our editors have a joke that when writing about auto insurance, the words cheap or affordable shouldn’t be used anywhere to describe car insurance rates. Sad but true, cheap auto insurance for a Ford Focus is pretty hard to find. Don’t let that ruin your day, because we will tell you how you can find and buy auto insurance that won’t break your budget.

Your odds of finding cheap coverage for a Ford Focus in Mississippi relies on a complex formula that factors things such as whether you are married, the condition of your credit, and the level of deductible you choose. Drivers in Mississippi pay around $790 a year for Focus insurance, but that price is an approximation using a 50-year-old single female who purchased full coverage including both comprehensive and collision and $1,000 deductibles.

When projecting a rate like this, the problem is that you are not exactly 50 years old and possibly not even female, maybe you are married instead of single, and maybe you want higher deductibles. Have just a small change in rating criteria or coverage limits can cause significant differences in how much coverage for a Ford Focus costs.

There is no one cookie-cutter policy that works for everyone, so the best way to quote cheap car insurance rates for your Ford is to do a thorough rate comparison. Get a free quote now and you can get rates from the best companies that insure Ford vehicles in Mississippi.

Find Cheaper Ford Focus Insurance

Your Ford’s trim level will influence the cost of insurance, so the rate you will pay to insure a Focus S 4-Dr Sedan model will be $128 less expensive the price to insure the high end Focus SES 2-Dr Coupe version, as shown in the prices below.

Ford Focus Insurance Rates in Mississippi
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $116 $258 $364 $22 $108 $868 $72
Focus SE 4-Dr Sedan $116 $258 $364 $22 $108 $868 $72
Focus SEL 4-Dr Sedan $116 $304 $364 $22 $108 $914 $76
Focus SES 4-Dr Sedan $116 $304 $364 $22 $108 $914 $76
Focus SE 2-Dr Coupe $132 $304 $412 $24 $124 $996 $83
Focus SES 2-Dr Coupe $132 $304 $412 $24 $124 $996 $83
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Mississippi minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Price information does not factor in specific location which can decrease or increase price quotes significantly.

Finding the best car insurance provider can be difficult considering how many companies sell coverage in Mississippi. The information displayed below could help you select which coverage providers you want to consider when shopping around.

The ratings below include the largest companies in the United States, so companies with more of a regional focus are not included in the list. If you’d like to compare prices and find cheaper insurance for a Ford Focus, click here.

Top Auto Insurance Companies for a Ford Focus
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

The chart below illustrates how choosing a deductible can influence insurance rates when getting quotes for cheap insurance for a Ford Focus. The data assumes a married female driver, comp and collision included, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2713,2483,2225,1977],[‘Age 30’, 1895,1729,1539,1359],[‘Age 40’, 1877,1717,1533,1359],[‘Age 50’, 1643,1505,1347,1197],[‘Age 60’, 1565,1433,1281,1135],[‘Age 70’, 1699,1551,1393,1243]]);var options = {title: ‘Comparison of Deductible Levels and Ford Focus Insurance Rates in Mississippi’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Insurance Cost for a Ford Focus’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

The data above shows that a 30-year-old driver could reduce rates by $344 a year by increasing from a $100 deductible up to a $500 deductible, or save $518 by switching to a $1,000 deductible. Young drivers, such as the Age 20 example, could reduce their rates $736 annually just by choosing larger deductibles. When choosing a higher deductible, it is important to have plenty of money set aside to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.

Impact of violations and accidents on rates in Mississippi

A great way to maintain affordable auto insurance prices for a Focus is to be an attentive driver and not have accidents or get tickets. The information below illustrates how speeding tickets and at-fault collisions can influence insurance rates for different age groups. Data assumes a married male driver, full coverage, $100 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3677,3991,6639],[‘Age 30’, 1907,2221,4871],[‘Age 40’, 1831,2143,4793],[‘Age 50’, 1677,1991,4639],[‘Age 60’, 1649,1963,4611],[‘Age 70’, 1905,2217,4863]]);var options = {title: ‘Impact of Tickets and Claims on Mississippi Ford Focus Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Ford Focus in Mississippi’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data charted above shows the average cost of car insurance in Mississippi per year with a clean driving record and no accidents is $2,108. Add in one speeding ticket and the average cost jumps to $2,421, an increase of $313 each year. Then throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for a Ford Focus goes up to an average of $5,069. That’s an increase of $2,962, or $247 per month, just for not paying attention while driving!