Auto Insurance Rates for a Ford Focus in San Antonio

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Nobody I know gets a kick out of paying for insurance, especially when the price is too high.

Insurance rates Ford Focus in San AntonioA recent survey discovered that nearly 70% of drivers have stayed with the same insurance company for a minimum of four years, and nearly the majority have never compared rates with other companies. With the average insurance premium being $2,679, Texas drivers can save hundreds of dollars each year by just comparing quotes, but they just don't understand the big savings they would realize if they switched.

Drivers have so many insurers to pick from, and though it is a good thing to be able to choose, more options can take longer to find the best rates for your vehicles.

It's a great practice to get comparison quotes on a regular basis because prices change quite often. Just because you found the best deal on Ford Focus insurance in San Antonio last year you will most likely find a better rate quote today. There is too much inaccurate information about Focus insurance online but by reading this article, you're going to learn some great ways to save money.

The method we recommend to compare rate quotes for Ford Focus insurance in San Antonio is to realize almost all companies allow for online access to give rate comparisons. All you need to do is take a few minutes to give details like if you have a valid license, marital status, if it has an anti-theft system, and what your job is. Your insurance information gets sent immediately to many highly-rated insurers and they provide comparison quotes with very little delay.

To compare lower-cost Ford Focus insurance rates now, click here then complete the form.

The companies shown below are our best choices to provide price quotes in San Antonio, TX. If multiple companies are shown, we suggest you click on several of them to get the most affordable price.

Insurance coverage details

The coverage information shown next highlights detailed analysis of coverage costs for Ford Focus models. Knowing how insurance quotes are established is important to be able to make smart buying decisions.

Ford Focus Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $152 $352 $496 $30 $148 $1,178 $98
Focus SE 4-Dr Sedan $152 $352 $496 $30 $148 $1,178 $98
Focus SEL 4-Dr Sedan $152 $416 $496 $30 $148 $1,242 $104
Focus SES 4-Dr Sedan $152 $416 $496 $30 $148 $1,242 $104
Focus SE 2-Dr Coupe $174 $416 $560 $34 $168 $1,352 $113
Focus SES 2-Dr Coupe $174 $416 $560 $34 $168 $1,352 $113
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Prices based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Table data does not factor in garaging location in San Antonio which can decrease or increase insurance rates significantly.

Higher deductibles lower rates

When buying insurance, a common question is how low should you set your deductibles. The following tables can help you understand the cost difference when you choose different physical damage coverage deductibles. The first rate comparisons uses a $100 deductible and the second rate table uses a $1,000 deductible.

Ford Focus insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SE 4-Dr Sedan $286 $592 $382 $22 $114 $1,421 $118
Focus SEL 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SES 4-Dr Sedan $286 $698 $382 $22 $114 $1,527 $127
Focus SE 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Focus SES 2-Dr Coupe $328 $698 $430 $26 $128 $1,635 $136
Get Your Own Custom Quote Go
Ford Focus insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SE 4-Dr Sedan $158 $312 $382 $22 $114 $988 $82
Focus SEL 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SES 4-Dr Sedan $158 $368 $382 $22 $114 $1,044 $87
Focus SE 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Focus SES 2-Dr Coupe $182 $368 $430 $26 $128 $1,134 $95
Get Your Own Custom Quote Go

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Estimates do not factor in the specific area where the vehicle is garaged which can modify rates noticeably.

Based on these figures, using a $100 deductible will cost you approximately $39 more each month or $468 a year than opting for the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 23 months between claims, you would most likely save money by going with a higher deductible.

Drive safe and save

The example below shows how violations and at-fault accidents can affect Ford Focus car insurance rates for different categories of driver ages. The rates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Insurance cost for men versus women in San Antonio

The illustration below shows the difference between Ford Focus annual premium costs for male and female drivers. The data is based on no claims or driving violations, full physical damage coverage, $1,000 deductibles, marital status is single, and no discounts are factored in.

Ford Focus liability-only versus full coverage

The chart below illustrates the difference between Ford Focus annual premium costs with full physical damage coverage and with liability coverage only. The premiums assume no driving violations, no at-fault accidents, $250 deductibles, single status, and no other discounts are factored in.

When to drop comp and collision

There is no set rule to stop paying for comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let's say your Ford Focus replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most you would receive is $7,000 after you pay the deductible. If you are currently paying more than $700 annually for your policy with full coverage, then it's probably a good time to buy liability coverage only.

There are some conditions where removing full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in case of an accident, you should not opt for liability only.

Lower your insurance rates with discounts

Not many people think insurance is cheap, but you may find discounts that you may not even be aware of. Certain credits will be shown at the time of quoting, but occasionally some discounts must be requested specifically before they will apply.Discount insurance

  • ABS Brakes - Vehicles with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
  • First Accident Forgiveness - This one isn't a discount, but companies like State Farm and GEICO will turn a blind eye to one accident before your rates go up so long as you haven't had any claims for a set time period.
  • Discounts for Multiple Vehicles - Buying a policy with several vehicles with the same insurance company can reduce rates for all insured vehicles.
  • Discount for Multiple Policies - When you combine your auto and homeowners insurance and insure them with the same company you will save nearly 15% which can help you find low cost Ford Focus insurance.
  • Smart Student Discounts - This discount can save 20 to 25%. Most companies allow this discount until age 25.

Don't be surprised that some of the credits will not apply to the whole policy. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, that's just not realistic.

The information below shows the difference between Ford Focus premium costs with and without discounts applied to the premium. The premiums are based on a male driver, a clean driving record, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, safe-driver, claim-free, multi-policy, and marriage discounts applied.

To view companies with the best Ford Focus insurance discounts in San Antonio in Texas, follow this link.

Choosing the best Focus insurance in Texas is an important decision

Despite the high cost of buying insurance for a Ford Focus in San Antonio, insuring your vehicle is required in Texas but it also protects you in many ways.

First, just about all states have mandatory liability insurance requirements which means you are required to buy a specific level of liability insurance in order to drive the car legally. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.

Second, if you have a lien on your vehicle, more than likely the lender will require that you have insurance to ensure loan repayment if the vehicle is totaled. If you do not pay your insurance premiums, the lender will be forced to insure your Ford at a much higher rate and force you to pay the higher price.

Third, insurance safeguards not only your vehicle but also your assets. It will also reimburse you for hospital and medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If you have damage to your Ford as the result of the weather or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to have it repaired.

The benefits of insuring your Focus are definitely more than the cost, particularly for liability claims. According to a 2015 survey, the average American driver is wasting up to $850 per year so it's very important to do a rate comparison at every policy renewal to save money.

Can't I get rate quotes from local San Antonio insurance agencies?

Some consumers still prefer to get professional advice from a licensed agent and that is OK! The best thing about getting online price quotes is the fact that drivers can get cheap insurance rates but still work with a licensed agent. Supporting small agencies is important particularly in San Antonio.

To help locate an agent, after submitting this simple form, your information is immediately sent to insurance agents in San Antonio that give free quotes for your insurance coverage. You never need to search for any insurance agencies as quotes are delivered to you. You can find lower rates and a licensed agent to work with. In the event you want to get a comparison quote from a specific company, feel free to find their quoting web page and submit a quote form there.

The following is a short list of auto insurance companies in San Antonio that may be willing to give rate quotes for Ford Focus insurance in San Antonio.


1248 Austin Hwy Ste. 202 - San Antonio, TX 78209 - (210) 822-2121 - View Map


11026 Culebra Rd #105 - San Antonio, TX 78253 - (210) 433-3264 - View Map


1100 NE Interstate 410 Loop - San Antonio, TX 78209 - (210) 822-2590 - View Map


4951 De Zavala Rd - San Antonio, TX 78249 - (210) 694-0866 - View Map

More San Antonio agents

Finding the right insurance company requires more thought than just the bottom line cost. The following questions are important to ask.

  • Will the company cover a rental car if your car is getting fixed?
  • Do they get paid more for recommending certain coverages?
  • How many companies do they write for?
  • Is there any savings for paying the full premium?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • If you raise deductibles, how much can you save?