How much is Ford Focus insurance?
The Ford Focus has been in production since 1998 as a replacement for the Ford Escort. But, like the Ford Fiesta in 2024, it too will be sacrificed for the introduction of electric and hybrid cars from 2025.
With over 1 million Ford Focus’ currently licensed on UK roads there are many Ford owners out there looking for cheap insurance deals. Focus insurance group classification is determined by The Association of British Insurers ABI and for the Focus you are looking at a grouping between 11 and 28 for factory made cars or up to group 40 for the RS Focus. The engine size and price and ease of repairing the vehicle are the main factors that determine your cars classification.
How much does it cost per month to insure a Ford Focus?
50 Year Old Driver
- A 2022 Titanium 1.0L 125PS Ecoboost (insurance group 12) would cost approximately £53 a month or £567 per year for fully comprehensive cover for a 50 year old driver with 1 year no claims living in Reading and a £500 voluntary excess.
- A 2022 ST 2.3L 200PS Ecoboost (insurance group 28) would cost approximately £878 per year for the same driver,excess and cover also living in Reading, UK.
25 Year Old Driver
- A 2022 ST 2.3L 280PS (insurance group 28) fully comprehensive insurance for a 25 year old with one year no claims and will cost approximately £1,716 per year with a voluntary excess of £500.
- A 2022 Titanium 1.0L Ecoboost 125PS (insurance group 12) fully comprehensive insurance for the same driver will cost approximately £120 per month or £1277 per year.
These prices were based on quotes obtained from quotezone with Reading being the average benchmark for insurance costs in the UK. The cost of car insurance varies around the UK based on location.
Additional Information for quote:
- Manual transmission
- Not modified
- Used for social, domestic and commuting
- 7,000 mileage per year
- Parked on a driveway at night
The driver:
- Self Employed in Reading
- A homeowner
- 1 years no claims discount
- No driving convictions
Buying a Ford Focus
The new and used Focus market is strong. This car is seen as a reliable motor with reasonably priced spare parts, good performance and excellent handling for the money. How much you pay for car insurance depends on many factors including your age and where you live. We have put together a table of estimated monthly premium costs for a Ford Focus depending on where you live in the UK.
Buying a new Ford Focus
If you want to buy a new (4th gen) Focus you will only be able to pick the Ecoboost powertrain independently, or supporting a mild Hybrid Electric Vehicle (mHEV). They are available in 125PS (insurance group 13), 145PS, 155PS for the 1.0L and 280PS for the 2.3L depending on what kind of performance you require. The ST model is a lot more expensive to insure than the Titanium, with 0-60mph a healthy 5.8 seconds placing it in insurance group 27.
The price of a new Ford Focus Titanium starts around £28,000 going up to £39,000 for an ST 2.3L. Families might choose a Focus estate car with more room for storage and that will set you back an additional £1,200.
Buying a used Ford Focus
In the used Focus market the 3rd generation model appears to be popular with motorists looking for performance, fuel economy and cheap road tax. The Ecoboost was introduced in the MK3 but they were sold alongside turbo diesel power units for those who prefer a diesel version.
The sleeker low profile styling and responsive handling of the MK3 Facelift make it an attractive used car option, with the Ecoboost version holding its value better than its diesel equivalent.
The Ecoboost is predominately reliable and Focus cars are achieving high mileage without significant reliability issues. But there were some overheating issues in older models and more recently low oil pressure issues associated with higher mileage cars. Also the 100PS version makes the focus feel a little underpowered. If that doesn’t bother you, they seem to be cheaper on the used car market .
You can buy a used Ford Focus for as little as £2,000 but a 2016 Mk3 Facelift 125PS with 50,000 mileage will set you back around £8,000.
Where is Ford Focus car insurance cheap in the UK?
Click to see table of Estimated Ford Focus Insurance premiums around the UK
Where you live in the UK will affect your Focus premium cost because of crime and accident rates and the cost of getting your car repaired after an accident. Larger cities tend to be more expensive to insure a car than rural areas.
*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices quoted by insurance providers on Quotezones (Seopa Ltd’s) insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
*The estimations provided on this webpage are independently provided by HaMuch Ltd. Prices are not guaranteed and quotes may vary when using the comparison system based on individual circumstances.
Disclaimer: This information is intended for editorial purposes only and not intended as a recommendation or financial advice.
Ford Car Insurance Renewal Costs
| Job | Estimate |
| Ford Mondeo car insurance | £62.95 per month |
| Ford Kuga car insurance | £75.00 per month |
| Ford Focus car insurance | £53.06 per month |
| Ford Fiesta car insurance | £45.00 per month |