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2009 Ford Focus - car insurance quotes

How much does it cost to insure a  Ford Focus 1.8 Viva 1.795 cc in 2023?


Lowest Focus Rates $574.4
Average Focus Rates $933.4
Highest Focus Rates $1292.4
Please note that these 2009 Ford quotations are based on current studies and are indicative only!
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How much does 2009 Ford Focus car insurance cost, what is the true cost to own this vehicle in your state and how can you save money on your policy in 2023? Ford Focus (1.8 Viva) car insurance rates may vary for the same coverage depending on your location, driving history or by your age, but the types of coverage are basically the same and differs only in details. The average insurance price of a used Ford Focus is above $67 a month ($808 yearly), depending on many variables like your credit score, place you live, driver record and the type and model of Ford you drive (https://www.ford.com/)! Your actual auto insurance costs could be higher or lower, if your car will be equipped with a number of modern safety and driver assistance features. A typical full coverage insurance policy for your Ford model with 115 engine should cover liability for injuries or damages, comprehensive coverage that covers damage to your car caused by events that are out of your control and collision (optional - helps pay to repair or replace your Ford Focus if it's damaged in a traffic accident with another car or object), and finally uninsured motorist and medical coverage.
On average, car insurance cost for a 2009 Ford Focus is $67 a month, which is around $808 a year. Get personalised quotes from multiple insurance companies using our FREE service!

How does age of your car affect car insurance costs?

2009 Ford Focus is a 15 years old vehicle. Older vehicles are typically cheaper to insure because they’re less valuable than newer models. On the other hand, newer models of Focus (2009) are eligible for many discounts for vehicles loaded with a long list of safety features, technology, anti-theft and driver assistance equipement. The most important safety features, that can earn you an auto insurance discount and are a standard on all modern Focus cars include: anti-lock braking systems (ABS), automatic seatbelts, air bags and traction control.
Ford Focus, 1.8 Viva has engine power of 1795 cc, which means it is a medium-powered car. The downside is that high-powered vehicles are often considered more dangerous and therefore may increase premium rates. If you want to lower your car insurance rates, be sure to buy a car that isn't a high performer.
Insurance Company New Vehicles * Used Vehicles *
Allied $596 $574
GEICO $438 $402
Nationwide $639 $503
Progressive $266 $215
State Farm $359 $266
Texas Farm Bureau $596 $481
USAA $474 $402
* Rough estimate for a new vs 15 years old used Ford Focus, 1.8 Viva. Your insurance premium will always depend on your driving history, the level of coverage and on the exact models of vehicles you're comparing!

Compare 2009 Ford Focus car insurance quotes and find out who has the cheapest rates in 2023!

Finding the most affordable car insurance for your Ford, Focus is not as hard as it used to be in the past. Here are some facts, that can help you lower auto insurance costs for your model of Ford (made in 2009) at the best possible rate while maintaining adequate coverage. Choosing top-rated insurer near you, who provides perfect customer services and competitive prices, should be the first step when shopping for better policy. Below are some tips and tricks to help you get affordable Ford Focus auto insurance quotes in 2023 and save money on your vehicle. The truth is that every driver will pay for the same coverage at the same company a completely different price!
How much is car insurance for a 2009 Ford Focus in 2023? As you can see below, the lowest rates are around $718, while the highest ones fluctuate around $1507.8 yearly. This price is influenced by many factors, and no single insurer can claim to be the low-price leader.
Insurance Company Annual Rates (Estimate*)
GEICO $765
American Family  $747
Erie $746
Progressive $879
State Farm $968
Auto Owners  $860
State Auto  $1,020
Nationwide $992
Farmers $865
Allstate $1,227
Safe Auto  $1,299
MetLife $1,386
Victoria $1,470
Allied $1,038
Liberty Mutual $1,237
Encompass $1,540
* Just a rough estimate for 2009 Ford Focus, 1.8 Viva

How to reduce your insurance premium costs?

Many people forget that the type of a car you get (model Focus, make Ford) can have a huge impact on your car insurance costs. Some vehicles, such as: Honda Accord 2023, Toyota Corolla, Ford pickup, Nissan Altima, Toyota Camry 2021, Honda Civic, Ram pickup, Nissan Maxima, Dodge Caravan, Chevrolet pickup, Acura Integra, Cadillac Escalade and many others, are big targets for thieves (at least in 2016 - 2018). A higher deductible for your Ford, Focus will also reduce your premiums because you pay more out of pocket if you have a claim. If you haven't had a traffic violation within 3 and more years and have a very good driving record a higher deductible might be a good bet. So, how can you reduce your insurance policy payments?
  • Don't ignore small regional insurers.
  • Review your existing coverage and choose a higher deductible.
  • Shopping around is the key to saving money on car insurance.
  • Negotiate with an agent or directly with auto insurance company.
  • Check for 2009 Focus car insurance discounts: good/safe driver, good student, multi-policy, homeowner (bundling).
  • If you don't qualify for these discounts, explore other options available or switch the insurance company.
  • Remember, that having a bad driving record, poor credit score or being a young driver (teen) is considered a risk by all insurance companies.

The most and least expensive 2009 Ford Focus auto insurance rates by state!

How much is 2009 Ford Focus car insurance by location - rough estimate for model:  1.8 Viva, 1795 cc, model body (SUV, Sedan, Truck, Coupe, Hatchback, Crossover, Luxury Car, Convertible, Sports Car, Wagon, Van)
How to calculate premium for Ford Focus (2009) car insurance online? By using our insurance calculator, you can determine and calculate the cost of your insurance policy, check the average rates of car insurance for your age and location and find out if you are paying more or less than other people in your area. By reading the table below, you can compare the most and least expensive states for 2009 Focus (1.8 Viva) car insurance. Calculate your price online and get a free car insurance quote without using sensitive personal information such as your age, credit score, phone number, email or social security number (SSN).
Rank State Lowest Rates Highest Rates
1 Vermont $539 $754
2 Ohio $546 $768
3 Idaho $560 $790
4 Virginia $582 $826
5 Iowa $603 $854
6 New Hampshire $632 $869
7 Wisconsin $639 $890
8 North Dakota $653 $941
9 Indiana $668 $991
10 North Carolina $682 $1,027
11 Pennsylvania $689 $1,084
12 Utah $704 $1,099
13 Maine $711 $1,120
14 Massachusetts $725 $1,142
15 Alaska $732 $1,156
16 Tennessee $740 $1,185
17 South Dakota $747 $1,249
18 Nebraska $754 $1,285
19 Minnesota $761 $1,307
20 Illinois $761 $1,328
21 Hawaii $768 $1,357
22 Alabama $775 $1,379
23 Oregon $783 $1,400
24 Missouri $790 $1,450
25 Washington $826 $1,501
26 South Carolina $833 $1,537
27 Kansas $854 $1,565
28 New Mexico $869 $1,601
29 Arizona $890 $1,616
30 New York $905 $1,623
31 National average $933 $1,644
32 New Jersey $948 $1,694
33 West Virginia $976 $1,709
34 Mississippi $998 $1,730
35 Maryland $1,020 $1,752
36 Montana $1,048 $1,788
37 Nevada $1,070 $1,802
38 Arkansas $1,084 $1,831
39 Kentucky $1,091 $1,860
40 Oklahoma $1,127 $1,881
41 Wyoming $1,149 $1,896
42 Colorado $1,178 $1,931
43 Texas $1,199 $1,946
44 Delaware $1,228 $1,975
45 Georgia $1,257 $1,982
46 California $1,285 $2,003
47 DC $1,307 $2,018
48 Connecticut $1,335 $2,039
49 Rhode Island $1,350 $2,046
50 Florida $1,371 $2,089
51 Louisiana $1,400 $2,118
52 Michigan $1,429 $2,154
* Compare 2009 Ford Focus car insurance rates by location and find out who has the best insurance quotes in your area in 2022 - 2023! Only rough calculation for adults with good credit score, driving history and accident-free driving. Choosing an auto insurance company is difficult, your actual rates may vary since the cost of your policy is influenced by many factors.

Car Insurance for Teens, Young Drivers, Students, Seniors

Teen driver - how much is car insurance for young drivers?
Is it a good idea for a young driver to drive a car like 2009 Ford Focus (Manual transmission, 4400 rpm)? For insurers, teens are some of the high-risk drivers so you can expect car insurance rates to go up when you add a teen driver to the insurance policy. As you can see below, the average Ford Focus annual insurance cost for a 16 year old is approximately $1651.4, while the cost of the same coverage for seniors aged 70 - 74 is $761.08. How to lower car insurance rates for high risk drivers (teens, college students, new drivers, convicted drivers) is a very common question. There are a few tips. You can ask your insurance company for a low-mileage discount and usage-based discounts. Also choose a car wisely (Ford, Focus have 1795 cc, 115 ps) and add your teen to your policy. Consider to increase your deductibles and adjust your existing coverage. Being younger than 18, 21, 25 years old means, you are statistically present a higher risk to insurance companies. How to save money on student car insurance?
Your AgeAverage Rate (Estimate*)
16 - 19 $1,580
20 - 24 $1,537
25 - 29 $1,292
30 - 34 $1,113
35 – 39 $898
40 – 44 $933
45 – 49 $854
50 – 54 $747
55 – 59 $919
60 – 64 $768
65 – 69 $804
70 – 74 $725
75 and more $747
* Rough estimate for teens, adults and seniors who are driving Ford Focus (2009)
Some insurance companies and brokers rewards students financially for doing well in school, while others prefer students who complete an approved driver's education course. As you can see in the above table, people between the ages of 60 and 75 are statistically risk-free drivers and can pay less than $610 annualy. What kind of car insurance discounts for seniors are available? Most car insurance companies offer reduced auto insurance rates to drivers who are over 50 years of age. It means, people over 50 - 60 are eligible for senior discounts. Is Ford, Focus good for senior drivers? If you have questions or issues relevant to Ford Focus or another vehicle, please ask in the discussion.
You know you need to insure your 2009 Front Ford, Focus, but do you really know, how much should you pay for your coverage every month or year? Ask for quotes from multiple companies

Ford Focus: Exterior Specs, Features & Options

The engine of Ford, Focus (4 cyl) is mated to a Manual transmission, that in this case, sends power to the Front. Focus model body (SUV, Sedan, Truck, Coupe, Hatchback, Crossover, Luxury Car, Convertible, Sports Car, Wagon, Van), 1795 CC (liter), 115 ps (98.6% of a brake horsepower) is matched to an 1.8 Viva for 2009. The truth is that horsepower sells cars, but torque wins races! Some car insurance companies find that cars with a higher horsepower (Ford, Focus has horsepower of 115 ps & 1795 cc's = cubic capacity measured in cubic centimeters) are involved in fewer auto insurance claims than those with less horsepower and torque. On the other hand, when a higher horsepower car is involved in a car accident, they usually cause more serious damage to others, which can affect car insurance rates. Model 1.8 Viva has an engine torque of 160 nm & 4400 rpm. The power and maximum speed of the Ford Focus vehicle (10.3/100 Kph & 198 Kph top speed) are a powerful marketing tool, but for technically demanding drivers, it's the mass of the car (1195 kg is the weight of this model), its engine torque and the engine rotation speed.
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Focus, Ford: specifications

Model body: find all body and trim levels of the Ford Focus inside category
Model doors: 3
Model drive: Front
Model engine bore: 80.6
Model engine (cc): 1795
Model engine compression: 10.0:1
Model engine (cyl): 4
Model engine fuel: Gasoline - Premium
Model engine position: Front
Model engine power (ps/hp): 115
Model engine max power (rpm): 5500
Model engine stroke (mm): 88
Model engine torque (nm): 160
Model engine max torque (rpm): 4400
Model engine type: in-line
Model engine (valves per cyl): 4
Model fuel cap: 55
Model height: 1490
Model length: 4300
Model Lkm (city): Fuel efficiency in city
Model Lkm (hwy): Fuel efficiency out of city
Model Lkm (mixed): 7.6
Model make: Ford
Model name: Focus
Model seats: 5
Model to 100 (Kph): 10.3
Model top speed (kph): 198
Model Transmission type: Manual
Model trim: 1.8 Viva
Model weight: 1195
Model wheelbase: 2620
Model width: 1710
Model year: 2009
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How does the interior of the new Focus look like? Read our review of the 2009 Ford Focus interior and browse photo gallery featuring the interior of this vehicle. Do not forget why you are here - finding lower insurance premiums for the new/used Focus 1.8 Viva.

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