Who Has Affordable Auto Insurance for a Ford Focus in Los Angeles?

Finding cheap car insurance for a Ford Focus in California is pretty simple, but it hinges on a pretty complex algorithm that uses a lot of factors such as your marital status, your credit history, and citations on your driving record. California drivers pay approximately $1,159 each year to insure their Focus, but that cost is an estimation based on a 40-year-old married male driver with full coverage and $500 deductibles.

Most likely you may not be 40 years old (or even male), single instead of married, or maybe you want more liability coverage than is required by law in California. The different assumptions illustrate why the only real way to find cheap insurance rates 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 the cost of coverage, so the price you will pay to insure a Focus S 4-Dr Sedan model will be $188 cheaper than the cost to insure the higher-end Focus SES 2-Dr Coupe trim level, as shown in the chart below.

Ford Focus Insurance Rates in Los Angeles, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $220 $426 $456 $26 $136 $1,264 $105
Focus SE 4-Dr Sedan $220 $426 $456 $26 $136 $1,264 $105
Focus SEL 4-Dr Sedan $220 $502 $456 $26 $136 $1,340 $112
Focus SES 4-Dr Sedan $220 $502 $456 $26 $136 $1,340 $112
Focus SE 2-Dr Coupe $252 $502 $514 $30 $154 $1,452 $121
Focus SES 2-Dr Coupe $252 $502 $514 $30 $154 $1,452 $121
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Table data represents married male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Table data does not factor in specific garaging location which can change price quotes significantly.

Ratings for Los Angeles auto insurance companies

Choosing the best car insurance provider is difficult considering how many companies there are in California. The ranking data displayed below may help you analyze which providers to look at when buying insurance for a Ford Focus.

The rankings below are only made up of companies that insure vehicles across America, so smaller companies that only insure vehicles in California will not be included in these rankings. To compare price quotes from these and other top-rated companies, click here.

Los Angeles, CA Auto Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how choosing a deductible can increase or decrease insurance premiums when searching for cheap insurance for a Ford Focus. The data is based on a single male driver, full coverage, and no discounts are taken into consideration.

In the chart above, a 50-year-old driver could lower rates by $492 a year by changing from a $100 deductible up to a $500 deductible, or save $738 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could reduce their rates $1,640 every year just by choosing higher deductibles.

If you do decide to increase your deductibles, it will be important to have enough in a savings account to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to get discounts on Los Angeles auto insurance rates

Cheaper Los Angeles, CA auto insurance for a FocusCar insurance companies that provide policies for a Ford Focus may have price discounts that can reduce rates by as much as 30% if you qualify. Companies and their possible discounts are detailed below.

The chart below shows the comparison of car insurance costs with and without discounts. The costs are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with defensive driving course, marriage, claim-free, anti-theft, multiple vehicle, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on auto insurance for a Ford Focus is 28% or $675.

How to find budget-friendly auto insurance for a Ford Focus

The list below summarizes some thrifty ideas that can help you find lower-cost car insurance.

That last idea is particularly significant, as was discussed in the prior article. Auto insurance rates fluctuate constantly, so you should be ready to buy from a new company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a great idea if that loyalty results in overpaying a lot of money every month. Spend a few minutes and compare rates and find cheaper insurance for a Ford Focus in Los Angeles.