Cheapest Insurance Quotes for a Ford Focus in South Carolina

When writing about auto insurance, the word cheap really shouldn’t be used anywhere in the article. It’s a simple fact that cheap car insurance for a Ford Focus can be hard to find. Don’t let that bother you, though, because we are going to show you how you can find coverage that fits into your budget.

The chances of finding affordable car insurance for a Ford Focus in South Carolina relies on a complex rating formula that takes into consideration things like the number of years you have been driving, if you have recent claims, and if you have any chargeable driving offenses. South Carolina drivers on average pay approximately $710 per year to insure a Ford Focus, but that policy rate is a projection that uses rate data for a 50-year-old married female who requires comprehensive and collision coverage and $1,000 physical damage deductibles.

Chances are good that you aren’t exactly 50 years old or even a female, you might be single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Just a slight change in the criteria used to calculate rates can cause big differences in the price of a policy.

Insurance rates are unique for each driver, so the way we recommend to find the cheapest insurance price for your Ford is to put in the effort to do a thorough rate comparison.

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The trim level of your Focus will likely have an effect on price, so the price you pay to insure a Focus S 4-Dr Sedan model will be $116 cheaper than the insurance cost for the high end Focus SES 2-Dr Coupe version, as shown by the rates below.

Premium data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Table data does not factor in zip code location which can increase or decrease coverage prices substantially.

Picking a good quality car insurance company is difficult considering how many different companies insure vehicles in South Carolina. The ranking information in the lists below could help you decide which auto insurance companies to look at when trying to find cheaper insurance for a Ford Focus. These ratings are only made up of the largest companies in the United States, so companies that focus mainly on South Carolina business are not taken into consideration for this list.

Top 10 Large Car Insurance Companies in South Carolina Ranked by Value

1. Travelers
2. American Family
3. AAA Insurance
4. Safeco Insurance
5. Progressive
6. The Hartford
7. Titan Insurance
8. The General
9. 21st Century
10. Esurance

Top 10 Large Car Insurance Companies in South Carolina Ranked by Customer Service

1. USAA
2. Travelers
3. AAA Insurance
4. Nationwide
5. Safeco Insurance
6. Progressive
7. State Farm
8. The Hartford
9. The General
10. Esurance

Top Companies for Ford Focus Insurance in South Carolina

Safe drivers pay cheaper rates

The easiest way to enjoy the cheapest insurance for a Ford Focus in South Carolina is to drive carefully and have a clean driving record. The illustration below illustrates how traffic citations and at-fault claims influence insurance rates for different categories of driver ages. The premium estimates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of a car insurance policy in South Carolina per year with a clean driving record and no accidents is $1,276. Get one speeding ticket and the average cost increases to $1,491, an increase of $215 each year. Then add one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Focus increases to an average of $2,089. That’s an increase of $813, or $68 per month, just for not maintaining a clean driving record!

Progressive, Geico, State Farm, or Allstate: Which is best?

If you are looking for the best insurance for a Focus in South Carolina, four companies you’ll want quotes from are Progressive, Geico, State Farm, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has slightly different coverages and options that you can select from. The following table points out some of the different options and features you can buy with each company.