Buying the cheapest insurance for a Ford Focus in Virginia can be pretty simple, but it is dependent upon a large number of factors such as how far you commute, your credit score, and driving violations. Drivers in Virginia pay approximately $597 annually for Focus insurance, but that price is an approximation calculated using a 40-year-old married male driver with full coverage and $1,000 deductibles.
When estimating a car insurance rate like we just did, the issue is that you are not 40 and maybe not even a male, maybe you are single instead of married, and maybe your Focus just needs liability-only coverage. Having the smallest difference in rating criteria or coverage limits can make a large difference in how much insurance for a Ford Focus costs.
There is no perfect policy for every driver, so the best method for finding cheap car insurance rates for your Ford is to do a thorough rate comparison. Get your free quotes now and you will be able to compare rates from some of the best insurers that sell coverage in Virginia.
The trim level of your Ford will influence the insurance rate, so the price you will be charged to insure a Focus S 4-Dr Sedan will be $94 less than the insurance cost for the high end Focus SES 2-Dr Coupe model, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$98||$194||$266||$16||$80||$654||$55|
|Focus SE 4-Dr Sedan||$98||$194||$266||$16||$80||$654||$55|
|Focus SEL 4-Dr Sedan||$98||$228||$266||$16||$80||$688||$57|
|Focus SES 4-Dr Sedan||$98||$228||$266||$16||$80||$688||$57|
|Focus SE 2-Dr Coupe||$112||$228||$300||$18||$90||$748||$62|
|Focus SES 2-Dr Coupe||$112||$228||$300||$18||$90||$748||$62|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can increase or decrease prices greatly.
Buying coverage from the best car insurance provider can be challenging considering how many companies are available to choose from in Virginia Beach. The ranking information in the lists below could help you choose which auto insurance companies you want to consider when comparing rates.
These ratings are only comprised of companies that insure vehicles nationwide, so companies without a large exposure are not factored into these rankings. If you’d like to compare prices from these top insurers and more, click this link.
Top 10 Large Auto Insurers Overall in Virginia Beach
- Mercury Insurance
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
Top 10 Large Auto Insurers in Virginia Beach Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- AAA Insurance
- Titan Insurance
The diagram below shows how choosing a deductible can influence annual premium costs when quoting cheap insurance for a Ford Focus. The rate quotes are based on a married male driver, comp and collision included, and no discounts are applied.
As shown above, a 50-year-old driver could pocket $242 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $364 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could save as much as $814 or even more just by choosing higher deductibles.
When using a larger deductible, it is important to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Safe drivers pay less for car insurance
The common sense way to score good car insurance prices in Virginia Beach for a Focus is to be an attentive driver and avoid tickets and accidents. The example below shows how violations and accident claims can drive up car insurance rates for different age groups. The rate quotes are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
In the chart above, the average cost of an auto insurance policy per year with no accidents or violations is $1,631. Factor in one speeding ticket and the average cost rises to $1,849, an increase of $217 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of car insurance for a Ford Focus jumps again to an average of $3,694. That’s an increase of $2,063, or $172 per month, just for not being attentive to the road!
Comparing rates on Focus insurance can save you money
Virginia Beach, VA car insurance rates are calculated based on many things that can increase the price you have to pay. Simply turning a year older, buying a different vehicle, or getting a reckless driving citation may prompt premium changes that can now make some companies more affordable than competitors.
Not only may your risk profile change, but insurance companies change prices as needed to reflect underwriting profits or losses. Higher than usual claims can cause increased policy costs, while lower claim levels may produce lower-cost Focus insurance rates.
For instance, the chart below compares the cheapest car insurance in Virginia Beach, VA for a 35-year-old female driver with a good driving record, no prior claims, and a good credit history. If we estimate prices based on her current situation, Travelers quotes the cheapest car insurance rates in Virginia Beach at $751 a year. This is $407 less than the average rate paid by Virginia drivers of $1,158. USAA, Penn National, Utica National, and Cincinnati Insurance are also included in the cheapest Virginia Beach, VA auto insurance companies.
Now let’s give the driver from the first example a chargeable claim, a lower credit rating, and an imperfect driving record. Due to the fact that each insurance company uses a different method for setting prices, comparing rates most likely will result in a new list of companies as shown below.
The Hartford now has the best car insurance rate in Virginia Beach, VA with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide now being in the top five. This example demonstrates why Virginia Beach drivers need to shop around when trying to find the best insurance rates for a Ford Focus. Prices are calculated by many factors and change substantially, so the cheapest option a year ago may now be one of the more expensive options.
If you aren’t sure which coverage you need and prefer to have the advice of a professional agent when trying to find lower insurance rates for a Ford Focus, the insurance agencies below can help you determine which coverage fits your budget. To find an agent closest to you, click the button link following the list.
- Hy Dress – State Farm Insurance Agent
1517 Lynnhaven Pkwy #101 – Virginia Beach, VA 23453 – (757) 427-1987
- Farmers Insurance – John Williams
5269 Greenwich Rd #200 – Virginia Beach, VA 23462 – (757) 456-9440
- Larry Akers – State Farm Insurance Agent
928 Diamond Springs Rd Ste 131 – Virginia Beach, VA 23455 – (757) 497-3853
How to find cheaper auto insurance for a Ford Focus
Here are many thrifty solutions that can help Virginia drivers get more affordable coverage.
- Vehicles with good safety ratings are usually cheaper to insure
- Having at-fault accidents will increase rates
- You will pay more if you get tickets or have at-fault accidents
- Buying home and auto insurance together can earn discounts
- Having too many claims will increase rates substantially
- Don’t waste money on full coverage for older vehicles
- Compare rates regularly to ensure the best deal
The final tip is remarkably vital, as we discussed in this piece. Prices charged by car insurance companies change frequently, so drivers shouldn’t hesitate to buy a policy from a new company if a lower price can be found.
Being loyal to a particular company is commendable, but it’s not a great idea if that faithfulness ends up costing you hundreds of dollars a year. If you have a few minutes, shop around to find cheaper car insurance for a Ford Focus in Virginia Beach.