Buying affordable car insurance for a Ford Focus doesn't take too much effort, but it is dependent upon lots of different factors such as whether you use your Focus for business use, your credit status, and your motor vehicle report. Wisconsin drivers pay on average $718 annually to insure their Focus, but that price is calculated using a 50-year-old single female driver with full physical damage coverage and $250 deductibles.
But there is a high probability that you may not be 50 years old (or even female), you might be married instead of single, or maybe you prefer higher deductibles. There is no perfect policy for every driver, so the best method for finding the cheapest coverage for your Ford is to do your own rate comparisons. Get your free quotes now and you will get price quotes from some of the cheapest companies that insure vehicles in Wisconsin.
The trim level of your Focus tends to have a direct impact on the coverage cost, so the rate you pay to insure a Focus S 4-Dr Sedan model will be $116 cheaper than the price to insure the more costly 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||$134||$294||$260||$16||$78||$782||$65|
|Focus SE 4-Dr Sedan||$134||$294||$260||$16||$78||$782||$65|
|Focus SEL 4-Dr Sedan||$134||$346||$260||$16||$78||$834||$70|
|Focus SES 4-Dr Sedan||$134||$346||$260||$16||$78||$834||$70|
|Focus SE 2-Dr Coupe||$152||$346||$294||$18||$88||$898||$75|
|Focus SES 2-Dr Coupe||$152||$346||$294||$18||$88||$898||$75|
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific garaging location which can alter premiums noticeably.
Finding cost effective car insurance is hard enough, and finding out which companies offer the most affordable car insurance rates for a Ford Focus takes even more shopping around. Each auto insurance company has a different process to determine premium rates, so let's take a look at the car insurance companies that tend to have lower prices in Madison, WI.
Keep in mind that Madison car insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. Price variation is why it is crucial to compare lots of rates to find the most budget-friendly auto insurance rates for a Ford Focus. Prices can be determined by many factors and can increase or decrease at any time, so the cheapest option when you bought your policy may now be one of the higher cost companies.
Lowest Insurance Price Quotes for Your Focus
|Rank||Company||Cost Per Year|
|5||Rural Mutual Insurance||$749|
|12||West Bend Mutual||$926|
|15||Auto Club Group||$977|
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USAA has some of the most affordable car insurance rates in Madison at around $604 annually. This is $557 less than the average policy premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Nationwide, and Rural Mutual Insurance also make the cut as some of the more affordable Madison, WI insurance companies.
As depicted above, if you are a customer of Rural Mutual Insurance and switched to Partners Mutual, you might realize an annual savings of around $135. Drivers with Pekin Insurance might save as much as $138 a year, and Rockford Mutual insureds might see rate reductions of $140 a year.
Be aware that those rates are averages for all drivers and vehicles in Wisconsin and and are not calculated with an exact vehicle garaging location for a Ford Focus. So the insurer that can offer you the lowest price may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own driver and vehicle profiles.
How to get discounts on Madison insurance
Insurers that sell policies for a Ford Focus may also offer special discounts that could potentially reduce rates by 35% or more if you meet specific eligibility requirements. The best car insurance companies and the discounts they provide can be read below.
- Farm Bureau offers discounts for 55 and retired, renewal discount, safe driver, youthful driver, multi-vehicle, and good student.
- Liberty Mutual includes discounts for hybrid vehicle, new move discount, teen driver discount, safety features, new vehicle discount, and newly retired.
- State Farm may include discounts for Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, student away at school, passive restraint, defensive driving training, and driver's education.
- Auto-Owners Insurance policyholders can earn discounts including mature driver, student away at school, multiple vehicles, multi-policy, good student, and air bags.
- GEICO offers discounts including multi-policy, driver training, membership and employees, multi-vehicle, and five-year accident-free.
- SAFECO has discounts for accident prevention training, teen safe driver, teen safety rewards, safe driver, and multi-car.
The chart below compares yearly insurance costs with and without discounts applied to the policy rates. Data assumes a male driver, no violations or claims, Wisconsin 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 shows the rates with anti-theft, multiple policy, vehicle safety, claim-free, marriage, and defensive driving course discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a Ford Focus is 28% or $373.
Low rates today, overpriced tomorrow
Madison, WI car insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. Simply getting older, increasing deductibles, or getting a ticket for running a stop sign may cause policy rate changes that can now make some companies more affordable than before. And not only may your rating factors change, but auto insurance companies change the rates they charge in Wisconsin every year to reflect underwriting profits or losses. An unexpected high level of claims may result in increased policy costs, while better underwriting can cause more affordable Focus insurance rates.
As an example, the chart below shows which companies have the cheapest car insurance in Madison, WI for a 30-year-old male driver with no prior claims, no tickets, and a good credit history. If we compare prices based on his current risk factors, USAA quotes the best car insurance rates in Madison at $648 annually. This is $513 less than the average premium paid by Wisconsin drivers of $1,161. Partners Mutual, Erie, Pekin Insurance, and Rockford Mutual are the remaining cheapest Madison, WI auto insurance companies.
The next chart shows rates after we give the driver from the above example a chargeable accident, a lower credit rating, and a traffic ticket or two. Since every car insurance company uses their own calculation to determining premium rates, analyzing rates may now show a different ranking of the cheapest companies as shown below.
Rural Mutual Insurance now has the best auto insurance rate in Madison, WI with Nationwide, Western National, Travelers, and Partners Mutual now being in the top five. This illustrates why it is critical to do a thorough rate comparison to find the cheapest auto insurance rates for a Ford Focus.
Rates are calculated by many things and can change substantially, so the lowest-price company the last time you shopped around may now be costing you a lot of money.