Finding the cheapest auto insurance for a Ford Focus is dependent upon a large number of factors such as how far you commute, the likelihood of your vehicle being stolen, and your motor vehicle report. Oklahoma drivers pay around $1,515 annually for Focus insurance, but that figure is an estimation using a 30-year-old married male driver with full physical damage coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you are not 30 years old and maybe not even male, maybe you are single instead of married, or maybe you live in a different area as the quoted rates. Not everyone needs the same coverages, so the best method for finding the cheapest coverage for your Ford is to just take the time to compare rates yourself. To cut your rates now, get a free quote and you will receive price comparisons from top-rated car insurance companies that offer coverage in Oklahoma.
The specific trim level tends to impact the cost of coverage, so the price you pay to insure a Focus S 4-Dr Sedan will be $254 less than the insurance cost for the more costly Focus SES 2-Dr Coupe model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$336||$698||$448||$26||$134||$1,642||$137|
|Focus SE 4-Dr Sedan||$336||$698||$448||$26||$134||$1,642||$137|
|Focus SEL 4-Dr Sedan||$336||$822||$448||$26||$134||$1,766||$147|
|Focus SES 4-Dr Sedan||$336||$822||$448||$26||$134||$1,766||$147|
|Focus SE 2-Dr Coupe||$386||$822||$506||$30||$152||$1,896||$158|
|Focus SES 2-Dr Coupe||$386||$822||$506||$30||$152||$1,896||$158|
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate quotes do not factor in specific location which can change premium rates significantly.
Determining which companies quote the cheapest auto insurance rates for a Ford Focus involves more time in order to find the best price. Each insurance company uses their own formula to determine rates, so we need to take a look at the overall cheapest auto insurance companies in Tulsa, OK.
It’s important that readers know that Tulsa, OK auto insurance rates are impacted by many things that control the cost of a policy. Simply having a birthday, having a teenage driver, or getting a few speeding tickets can cause premium changes resulting in some rates now being more affordable than competitors.
Find the Best Cheap Insurance for Your Focus
|Rank||Company||Cost Per Year|
|1||Oklahoma Farmers Union||$1,166|
|11||OK Farm Bureau||$2,058|
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Oklahoma Farmers Union normally has some of the lowest car insurance rates in Tulsa at around $1,166 annually. This is $801 less than the average premium paid by Oklahoma drivers of $1,967. USAA, The Hartford, GEICO, and Safe Auto are also some of the more affordable Tulsa, OK car insurance companies.
As shown in the rates above, if you currently have a policy with Safe Auto and switched to USAA, you might see a yearly savings of upwards of $234. Customers with Farmers could save as much as $251 a year, and State Farm policyholders might lower prices by $383 a year.
It’s important to note that these premium estimates are averaged across all insureds and vehicles and and are not figured with an exact location for a Ford Focus. So the auto insurance company that fits your needs best may not even be in the top 17 companies in the list above. That emphasizes why you need to quote rates from many companies using your own driver and vehicle profiles.
Safe drivers Tulsa pay cheaper rates
The easiest method to get the cheapest auto insurance rates for a Focus is to be a safe driver and not receive tickets or have accidents. The example below shows how speeding tickets and at-fault collisions impact insurance rates for different ages of insureds. The price estimates are based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of car insurance per year with a clean driving record and no accidents is $1,992. Get written up for one speeding ticket and the average cost swells to $2,326, an increase of $334 each year. Now add in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Ford Focus goes up to an average of $5,304. That’s an increase of $3,312, or $276 per month, just for being a careless driver!
How to get discounts on Tulsa insurance
Insurance providers that offer cheap quotes for a Ford Focus may also provide rate discounts that could reduce prices by as much as 30% if you are eligible. Larger auto insurance companies and some of the discounts are included below.
- State Farm offers premium reductions for student away at school, Steer Clear safe driver discount, good student, passive restraint, good driver, multiple policy, and safe vehicle.
- American Family offers discounts including TimeAway discount, mySafetyValet, good student, accident-free, air bags, defensive driver, and bundled insurance.
- GEICO policyholders can earn discounts including military active duty, good student, daytime running lights, anti-theft, seat belt use, emergency military deployment, and membership and employees.
- 21st Century may offer discounts for student driver, teen driver, automatic seat belts, early bird, and homeowners.
- Progressive includes discounts for online quote discount, multi-vehicle, multi-policy, homeowner, continuous coverage, online signing, and good student.
The diagram below compares annual premium costs with and without discounts applied to the policy premium. Data assumes a male driver, no claims or driving violations, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with vehicle safety, marriage, safe-driver, multiple vehicle, multiple policy, and defensive driving course discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for a Ford Focus is 28% or $790.
The chart below illustrates how choosing a deductible can affect insurance costs when quoting cheap insurance for a Ford Focus. The costs are based on a single male driver, full physical damage coverage, and no discounts are applied.
In the chart above, a 40-year-old driver could pocket $426 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $642 by choosing a $1,000 deductible. Youthful drivers, like the 20-year-old category, could potentially save $1,418 annually by using a higher deductible. If you do make the decision to raise your deductibles, it’s a good idea to have enough savings set aside to enable you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.