Car Insurance Rates for a Ford Focus in San Francisco

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Ford Focus insurance cost
Ford Focus insurance cost image courtesy of QuoteInspector.com

If you want to save the most money, the best way to get affordable car insurance rates in San Francisco is to make a habit of regularly comparing prices from providers that insure vehicles in California.

  • First, read and learn about how companies price auto insurance and the factors you can control to prevent high rates. Many risk factors that cause rate increases such as distracted driving and a poor credit score can be rectified by making minor changes in your lifestyle.
  • Second, quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like Progressive or Allstate, while independent agencies can quote prices from multiple insurance companies.
  • Third, compare the new quotes to your current policy to see if a cheaper rate is available. If you find better rates and switch companies, make sure there is no lapse in coverage.
  • Fourth, notify your agent or company to cancel your current policy. Submit the completed application along with a down payment for the new policy. Don't forget to store the certificate verifying coverage with your registration paperwork.

One tip to remember is to compare the same amount of coverage on each price quote and and to get prices from every insurance company. Doing this ensures an apples-to-apples comparison and a thorough selection of prices.

Insurance for Ford FocusAnyone knows that car insurance companies don't want you to look for a cheaper policy. Insureds who rate shop once a year are highly likely to buy a new policy because there is a great chance of finding a policy with more affordable rates. A recent study showed that people who made a habit of comparing rate quotes saved on average $865 annually as compared to drivers who never shopped around.

If finding budget-friendly rates on auto insurance in San Francisco is your target objective, then knowing how to compare cheaper coverage can save time and money.

When comparing insurance rates, know that comparing a large number of companies will enable you to find the best rates.

The following companies can provide price quotes in California. If multiple companies are listed, we suggest you click on several of them to get the most competitive price.

These discounts can lower your insurance rates

Insurance is not an enjoyable expense, but there's a good chance there are discounts to help bring down the price. A few discounts will automatically apply when you complete an application, but some may not be applied and must be requested specifically prior to receiving the credit.Discount insurance

  • Discounts for New Vehicles - Insuring a new Focus can save up to 30% because newer vehicles have to meet stringent safety requirements.
  • Early Renewal Discounts - A few insurance companies offer discounts for switching to them before your current expiration date. You can save around 10% with this discount.
  • Pay Upfront and Save - By making one initial payment instead of making monthly payments you can avoid the installment charge.
  • Professional Organizations - Belonging to qualifying clubs or civic groups can get you a small discount on your next renewal.
  • Discount for Multiple Policies - When you combine your auto and home insurance with one insurance company you could earn a discount of nearly 15% which can help you find the cheapest Ford Focus insurance in San Francisco.
  • ABS and Traction Control Discounts - Cars and trucks with ABS and/or traction control can avoid accidents and qualify for as much as a 10% discount.
  • Claim-Free Discount - Drivers with accident-free driving histories pay much less as compared to drivers with a long claim history.

One last thing about discounts, most discount credits are not given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like it's possible to get free car insurance, you're out of luck.

The illustration below visualizes the comparison of Ford Focus annual premium costs with and without discounts applied to the policy rates. The information is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, claim-free, homeowner, and multi-policy discounts applied.

A few companies that may offer policyholders most of these discounts include:

If you are trying to find affordable San Francisco auto insurance quotes, ask all the companies which discounts can lower your rates. Some discounts may not apply in San Francisco. To see companies with the best Ford Focus insurance discounts in California, click this link.

Coverage analysis

The rate table displayed next highlights estimates of insurance premium costs for Ford Focus models. Learning more about how insurance prices are figured is important to be able to make informed purchases.

Ford Focus Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $208 $478 $500 $30 $150 $1,366 $114
Focus SE 4-Dr Sedan $208 $478 $500 $30 $150 $1,366 $114
Focus SEL 4-Dr Sedan $208 $564 $500 $30 $150 $1,452 $121
Focus SES 4-Dr Sedan $208 $564 $500 $30 $150 $1,452 $121
Focus SE 2-Dr Coupe $238 $564 $564 $34 $168 $1,568 $131
Focus SES 2-Dr Coupe $238 $564 $564 $34 $168 $1,568 $131
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can raise or lower coverage rates significantly.

Physical damage deductibles

One of the more difficult decisions when buying car insurance is what deductibles to buy. The rates shown below can help you visualize the rate fluctuation when you buy lower versus higher insurance deductibles. The first rate table uses a $100 physical damage coverage deductible and the second data table uses a $1,000 deductible.

Ford Focus insurance prices with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SE 4-Dr Sedan $332 $686 $442 $26 $132 $1,643 $137
Focus SEL 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SES 4-Dr Sedan $332 $810 $442 $26 $132 $1,767 $147
Focus SE 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
Focus SES 2-Dr Coupe $380 $810 $500 $30 $150 $1,895 $158
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Ford Focus insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SE 4-Dr Sedan $184 $362 $442 $26 $132 $1,146 $96
Focus SEL 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SES 4-Dr Sedan $184 $426 $442 $26 $132 $1,210 $101
Focus SE 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
Focus SES 2-Dr Coupe $210 $426 $500 $30 $150 $1,316 $110
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Information does not factor in vehicle location which can revise insurance rates noticeably.

Based on the above data, using a $100 deductible costs roughly $45 more each month or $540 each year averaged for all Focus models than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 20 months between claims, you would most likely save money if you choose a higher deductible.

The chart below demonstrates how deductibles and can raise or lower Ford Focus annual premium costs for each age group. The costs are based on a single male driver, full coverage, and no discounts are applied to the premium.

Impact of speeding/accidents on car insurance rates

The information below illustrates how violations and at-fault accidents can impact Ford Focus premium costs for different ages of insureds. The information is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are applied.

Should you buy full coverage?

The diagram below shows the difference between Ford Focus auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in California. The price estimates are based on no claims, a clean driving record, $100 deductibles, single marital status, and no additional discounts are factored in.

Should you be buying full coverage?

There is no exact formula to stop buying physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to buy liability only.

For example, let's assume your Ford Focus claim settlement value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company would pay you is $6,000 after paying the physical damage deductible. If you are paying in excess of $600 annually for full coverage, then it might be time to buy liability only.

There are a few situations where removing full coverage is not a good plan. If you haven't paid off your loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is damaged, you should not buy liability only.

Choices You Make Can Impact Your Insurance Premiums

Many different elements are taken into consideration when quoting car insurance. Some are obvious such as traffic violations, although some other factors are not quite as obvious like your continuous coverage and annual miles driven. Consumers need to have an understanding of the different types of things that help calculate the rates you pay for car insurance. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make good choices that will entitle you to much lower annual insurance costs.

  • Prevent your car from being stolen - Choosing to buy a car with a theft deterrent system can help lower your rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent vehicle theft.
  • Experienced drivers save more - Teen drivers in California are proven to be more careless in a vehicle so they pay higher car insurance rates. If you've ever had to add a first-time driver onto a policy can be very expensive. Older insureds have been proven to be more responsible, statistically cause fewer accidents, and get fewer tickets.

    The data below uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.

  • Know your credit score - A driver's credit rating is a large factor in determining your rates. So if your credit score can be improved, you may save money insuring your Ford Focus if you improve your credit rating. People with very good credit scores tend to file fewer claims and have better driving records than drivers who have bad credit.
  • Insurance rates for married couples - Having a spouse helps lower the price on your car insurance policy. Having a spouse generally demonstrates drivers are less irresponsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • Women tend to take less risk - Statistics demonstrate that men are more aggressive behind the wheel. This data doesn't prove that men are worse drivers. They both tend to get into at-fault accidents at about the same rate, but guys cause more damage and cost insurance companies more money. Men also tend to receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive car insurance rates.

    The example below illustrates the difference between Ford Focus insurance costs for male and female drivers. The information is based on no driving violations, no at-fault accidents, full coverage, $500 deductibles, drivers are single, and no discounts are factored in.

  • Eliminate unneeded incidental coverages - There are a lot of extra coverages that can waste your money if you don't pay attention. Coverage for things like rental car reimbursement, towing coverage, and membership fees are probably not needed. These may sound like a good investment when talking to your agent, but your needs may have changed so get rid of them and save.
  • Safety first - Safer cars cost less to insure. Vehicles built for safety help reduce the chance of injuries in an accident and any reduction in injury severity translates into savings for insurance companies which can result in lower premiums.
  • Raising comp and collision deductibles lowers premiums - Comp and collision deductibles are how much you are required to pay in the event of a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some instances where coverage would apply are rear-ending another vehicle, damage caused by hail, and damage caused by road hazards. The more damage repair cost the insured is willing to pay, the less money you will pay for car insurance.
  • Insurance loss statistics a Ford Focus - Companies take into consideration insurance loss statistics for every vehicle when they calculate premium rates for each model. Models that the data determines to have a trend towards higher claim severity or frequency will have higher rates.

    The table below illustrates the insurance loss data used by companies for Ford Focus vehicles. For each coverage category, the claim amount for all vehicles compiled together is a value of 100. Values that are below 100 indicate a favorable loss history, while values that are above 100 indicate higher probability of having a loss or larger claims.

    Ford Focus Insurance Loss Statistics
    Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Ford Focus 106 98 90 103 109 111
    Ford Focus Electric 87 85 66
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics from IIHS.org for 2013-2015 Model Years

Car insurance agents near you

Many people still like to visit with an insurance agent and that can be a smart move One of the great benefits of price shopping on the web is the fact that drivers can get the lowest rates and also buy local. Buying from and supporting local agencies is still important in San Francisco.

Insurance agency in San FranciscoOnce you complete this short form, your insurance coverage information gets sent to local insurance agents in San Francisco that give free quotes and help you find cheaper coverage. You won't need to visit any agencies because quoted prices will be sent straight to your inbox. Get lower rates and a licensed agent to talk to. If for some reason you want to get a comparison quote from a particular provider, you just need to visit that company's website and fill out their quote form.

Auto insurance agents in San Francisco come in two varieties

If you want a good insurance agency, it's important to understand the types of insurance agents and how they can write your policy. Agents are either exclusive or independent.

Independent Agencies or Brokers

Agents that choose to be independent can sell policies from many different companies and that allows them to write policies through many different insurance companies depending on which coverage is best. If they find a lower price, an independent agent can move your coverage and you don't have to do anything. When comparing rates, we recommend you check rates from multiple independent agents so that you have a good selection of quotes to compare.

Shown below are independent insurance agents in San Francisco who may be able to give you free price quotes.


544 Golden Gate Ave - San Francisco, CA 94102 - (415) 212-8190 - View Map


3428 Balboa St - San Francisco, CA 94121 - (415) 386-2283 - View Map


Flood Building, 870 Market St #740 - San Francisco, CA 94102 - (415) 951-0738 - View Map

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Exclusive Insurance Agencies

These agents are contracted to one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agencies are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents receive a lot of sales training on their company's products which helps offset the inability to provide other markets.

Listed below is a list of exclusive agents in San Francisco that can give you price quote information.


655 14th St - San Francisco, CA 94114 - (415) 552-6200 - View Map


690 Monterey Blvd - San Francisco, CA 94127 - (415) 610-8000 - View Map


386 29th St - San Francisco, CA 94131 - (415) 285-4800 - View Map

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Finding the right auto insurance agent requires you to look at more than just the quoted price. These are valid questions to ask:

  • Is the agency active in community causes in San Francisco?
  • How long has the business existed?
  • How much training do they have in personal risk management?
  • Is the agent properly licensed in California?
  • Will they make sure you get an adequate claim settlement?
  • Who are their largest clients?

After talking to the agent and getting good feedback to your questions and an affordable coverage quote, it's a good possibility that you have found a car insurance agent that is reputable and can properly service your insurance policy.

Cheaper car insurance premiums are possible

When searching for the cheapest Ford Focus rate quotes, don't be tempted to reduce needed coverages to save money. There are too many instances where someone dropped liability limits or collision coverage only to regret at claim time they didn't purchase enough coverage. The ultimate goal is to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

We've covered a lot of ways to compare Ford Focus insurance prices in San Francisco. The key concept to understand is the more you quote San Francisco auto insurance, the better your comparison will be. You may even find the lowest prices are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

More information is available below: