Best Cheap Insurance for a Ford Focus in Indiana

Best Cheap Insurance for a Ford Focus in Indiana

Your chances of finding the cheapest auto insurance for a Ford Focus in Indiana depends on things like how far you drive to work, if you have a lapse in coverage, and deductibles for comprehensive and collision coverage. Drivers on average will pay $900 every 12 months to buy insurance for a Ford Focus, but that is an estimate using cost data for a 40-year-old single female who needs comprehensive and collision coverage and $500 deductibles.

More than likely, you aren’t exactly 40 years old or even a female, you might be married instead of single, or maybe your Focus is a different trim level than the example. Making minor changes in the rating criteria used to formulate rates can precipitate large changes in the policy rate.

There is no “one size fits all” policy, so the most reliable way to find the cheapest coverage for your Ford is to comparison shop your policy at every renewal or at least every couple of years.

Cheapest Ford Focus Insurance Rates

Vehicle trim level will have an impact the yearly cost, so the price you will be charged to insure a Focus S 4-Dr Sedan will be $144 lower than the price to insure the more costly Focus SES 2-Dr Coupe model, as shown by the rates below.

Ford Focus Insurance Rates in Indiana
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $148 $334 $364 $22 $110 $978 $82
Focus SE 4-Dr Sedan $148 $334 $364 $22 $110 $978 $82
Focus SEL 4-Dr Sedan $148 $392 $364 $22 $110 $1,036 $86
Focus SES 4-Dr Sedan $148 $392 $364 $22 $110 $1,036 $86
Focus SE 2-Dr Coupe $170 $392 $412 $24 $124 $1,122 $94
Focus SES 2-Dr Coupe $170 $392 $412 $24 $124 $1,122 $94
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Premium amounts do not factor in your specific Indiana location which can revise coverage prices significantly.

Indiana car insurance companies

Insuring your vehicle with a highly-rated car insurance provider can be challenging considering how many companies there are to choose from in Indiana. The company rank data displayed below could help you select which providers to look at when shopping insurance around for a Ford Focus. The rankings below are only made up of companies with a national presence, so smaller companies that only insure vehicles in Indiana are not taken into consideration for the list.

Top 10 Large Auto Insurance Companies in Indiana Ranked by Customer Satisfaction

  1. USAA – 92%
  2. 21st Century – 88%
  3. Erie Insurance – 88%
  4. Nationwide – 88%
  5. American Family – 88%
  6. State Farm – 88%
  7. Progressive – 87%
  8. Liberty Mutual – 87%
  9. AAA Insurance – 87%
  10. The Hartford – 87%

Top 10 Large Auto Insurance Companies in Indiana Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. Erie Insurance
  5. State Farm
  6. Liberty Mutual
  7. Safeco Insurance
  8. Allstate
  9. 21st Century
  10. Titan Insurance

Top Companies for Ford Focus Insurance in Indiana

How much more does full coverage cost?

Finding the best cheap insurance for a Ford Focus in Indiana is important to most vehicle owners, and one of the easiest ways to lower the cost of insurance is to only buy liability coverage. The information below illustrates the comparison of insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The data assumes a clean driving record, no claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

As an overall average, comp and collision coverage costs an extra $2,160 per year over having just liability coverage. Many people question if buying full coverage is worth the expense. There is no definitive formula to delete physical damage coverage, but there is a general guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s pretend your vehicle’s book value is $10,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $9,500 after the deductible is paid. If you are paying over $950 a year for full coverage, then you may want to consider only buying liability coverage.

There are a few situations where removing full coverage is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

Find the best cheap insurance for a Ford Focus in Indiana

It’s not impossible to find cheaper rates, and here are many money-saving ideas that can help drivers locate more affordable car insurance.

  • Increase your physical damage deductibles
  • Being accident-free can lower rates significantly
  • Good credit scores may lower your rates
  • Do not get traffic violations
  • Do not pay for comprehensive and collision coverage on older vehicles
  • Safer vehicles generally have cheaper insurance rates
  • Compare rate quotes frequently

That last idea is remarkably critical, as we discussed in the article above. Prices charged by auto insurers can change considerably in a year, so drivers shouldn’t hesitate to change to a new company if a lower-cost policy is available. Brand loyalty is not necessarily bad, but it’s not recommended if that devotedness results in you overpaying a lot of money. If you have a few minutes, compare prices to find cheaper car insurance for a Ford Focus.