Fully comprehensive
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
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Save up to £485[2] on car insurance
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Based on fully comprehensive policies for all drivers across the UK.
Running costs for the Ford Focus depend on the model variant, but you’ll tend to find that smaller petrol and diesel engineers are fuel efficient and affordable to maintain. Sportier trims like the ST and RS are a little more expensive however, due to their higher fuel consumption and servicing costs.
Not particularly, as many lower-spec Ford Focus models sit in lower insurance groups, making them cheaper to insure, however sportier trims will be a little more expensive than average.
If you’re looking to insure your Ford Focus, you’ll have three options to choose from when it comes to levels of cover:
A third-party only policy is the legal minimum required to drive in the UK, covering you for the cost of damage you cause to someone else or their vehicle or property
A third-party, fire and theft policy adds cover for your own vehicle, but only if it’s stolen or damaged by fire or an explosion
Fully comprehensive policies offer the most protection for your vehicle, and are often the cheapest to buy too
Some of the factors that impact the cost of your car insurance are difficult to change: your job, where you live, how old you are.
But there are tweaks everyone can make to bring down your premiums. These include:
Increase – or add – a voluntary excess to get cheaper premiums. But make sure you could afford to pay this amount in the event of a claim.
Our research shows this is when you’ll get offered the best renewal quotes and that comparing quotes on this day can save you up to £231[4].
Pay for your car insurance in one go. Annual payments are up to 31% lower than the total cost of monthly instalments, saving you up to £267.
Based on MoneySuperMarket quoted policies for annual car insurance, between August 7th 2024 and November 5th 2024.
Convictions and endorsements for speeding or other driving offences will mean paying more for insurance.
Add-ons like breakdown cover cost extra to add to your policy. Cutting out the extras you don't need can reduce your car insurance price.
The more no claims bonus you have, the cheaper your premium will be.
You can reduce the cost of motor insurance by parking your vehicle off the road – such as a secure car park or locked garage – when you're not using it.
Young or inexperienced drivers can reduce premiums by adding an older driver to their policy.
The Ford Focus is usually ranked in insurance groups 8 to 21, meaning it’s a relatively affordable car to insure. Many variants of the Ford Focus, and other cars in lower insurance groups like these, are smaller, less powerful and much easier and cheaper to repair.
Sportier versions like the ST and the RS are in higher groups due to their increased power and performance, so these will likely cost a little more than average for the Ford Focus. If you want to keep costs low, consider trims with smaller engines like the 1.0L EcoBoost models.
This table shows insurance groups for some common models:
Model | Insurance group |
|---|---|
ST-Line 1.5 Ford EcoBoost 150PS 5d Auto | 16 |
1.0 EcoBoost Hybrid mHEV ST-Line 5d Auto | 13 |
1.5 EcoBlue ST-Line 5d Auto | 14 |
1.0 EcoBoost Titanium 5d | 13 |
Don't see your car model?
You can choose between three types of car insurance:
✔ Highest level of protection
✔ Injuries and damage to you and your car
✔ Fire and theft
✔ Injuries and damage to others
✔ Legal protection
✔ Injuries and damage to others
✔ Fire damage to your car
✔ Theft of your car
✔ Legal requirement
✔ Injuries and damage to others
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