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FORD FOCUS Car Insurance

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The Ford Focus is a versatile compact car known for its driving enjoyment and everyday efficiency. Designed for both city and highway use, it appeals to drivers seeking a practical, economical, and easy-to-live-with vehicle.

FORD FOCUS CAR INSURANCE RATES OVER THE LAST 5 YEARS.

Between 2021 and 2026, premiums for the Ford Focus generally decrease, moving from $1745 to $942, despite some intermediate fluctuations ($984 in 2023, $1094 in 2025). This decline may reflect the model's aging and reduced replacement value.

To find the best insurance for your FORD FOCUS vehicle, it is more important than ever to compare the available options.

How much does insurance for your FORD FOCUS cost in Quebec?

Premiums are highest in Saint-Jérôme ($1494) and Saint-Jean-sur-Richelieu ($1344), while Brossard ($573) and Longueuil ($704) show the lowest amounts. The gap between cities is significant for this model.

To get the exact cost for your situation, the best approach is to compare offers from several insurers. Using our Clicassure comparison tool, you can easily find the best premium tailored to your needs.

City Average price over the last 12 months
BROSSARD $636.78
DRUMMONDVILLE $872.72
GATINEAU $965.88
LAVAL $891.06
LÉVIS $910.89
LONGUEUIL $799.65
MONTRÉAL $947.67
QUÉBEC $850.29
REPENTIGNY $929.76
Saguenay $1083.43
SAINT-JEAN-SUR-RICHELIEU $1253.95
SAINT-JÉRÔME $942.58
SHERBROOKE $1194.25
TERREBONNE $1020.45
TROIS-RIVIÈRES $838.93

FORD FOCUS average premium by model year

Average premium paid by our clients for each model year, over the last 5 years. Select a year to see its detailed statistics.

Model year Average premium
FORD FOCUS 2018 $1525.16
FORD FOCUS 2017 $1481.82
FORD FOCUS 2016 $1278.53
FORD FOCUS 2015 $1120.61
FORD FOCUS 2014 $1053.66
FORD FOCUS 2013 $932.39
FORD FOCUS 2012 $851.00
FORD FOCUS 2011 $581.83
FORD FOCUS 2010 $533.43
FORD FOCUS 2009 $473.35
FORD FOCUS 2008 $443.18
FORD FOCUS 2007 $386.35
FORD FOCUS 2006 $337.30
FORD FOCUS 2005 $328.13
FORD FOCUS 2004 $339.36
FORD FOCUS 2003 $418.20
FORD FOCUS 2001 $335.79

Frequently asked questions (FAQ)

How much does it cost to insure a Ford Focus?
The average premium for a Ford Focus reached $942 in 2026, down from $1745 in 2021, according to available historical data.
Is auto insurance mandatory in Quebec?
Yes. In Quebec, minimum civil liability coverage of $50,000 is mandatory for any road vehicle driven on public roads.
Has the Ford Focus premium always decreased since 2021?
No. After a marked drop to $984 in 2023, the premium rose slightly in 2024 and 2025 ($1007 and $1094) before falling again to $942 in 2026.
Which city offers the lowest insurance cost for a Ford Focus?
Based on the data provided, Brossard ($573) and Longueuil ($704) post the lowest average premiums for this model.
Why do cities like Saint-Jérôme show higher premiums?
Saint-Jérôme ($1494) and Saint-Jean-sur-Richelieu ($1344) show higher premiums, which may be linked to claim frequency and local driving patterns.
What factors influence the premium for a Ford Focus?
Vehicle age, replacement value, place of residence, and the owner's driving history are among the most determining factors in setting the premium.
How can I lower my premium for a Ford Focus?
Comparing quotes from several insurers, choosing an appropriate deductible, and maintaining a good driving record are effective ways to reduce the premium.

Offers received by our customers on FORD FOCUS cars

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Methodology

To guarantee you the best possible information, the data presented on this page is based on the following rigorous criteria :

  • Analysis period: Our analyses are based solely on insurance submissions collected over the millions of submissions in recent years, thus guaranteeing the relevance of our comparisons.
  • Real-world comparisons: We only use premiums actually offered by our partner insurers in response to quote requests, keeping the lowest one obtained for each vehicle. This data is not limited to policies that were sold.
  • Proven savings: The results presented only reflect cases where the user has saved money thanks to our comparison tool.
  • Last updated: 08/14/2026

Versions covered by this FORD FOCUS page

The premiums above cover every version of the FORD FOCUS, so that each average rests on enough quotes. Here are the versions this page includes.

Version Model years
FOCUS BEV 5DR 2012 - 2018
FOCUS ECO 3DR 2001
FOCUS LX 4DR 2001 - 2004
FOCUS RS 5DR AWD 2016 - 2018
FOCUS S 4DR 2008 - 2018
FOCUS SE 2DR 2008 - 2010
FOCUS SE 4DR 2001 - 2018
FOCUS SE 5DR 2012 - 2018
FOCUS SE WAGON 2001 - 2004
FOCUS SEL 4DR 2009 - 2018
FOCUS SEL 5DR 2012 - 2018
FOCUS SES 2DR 2008 - 2010
Show the 19 other versions

FOCUS SES 4DR (2008 - 2011), FOCUS ST 5DR (2013 - 2018), FOCUS SVT 3DR (2002 - 2004), FOCUS SVT 5DR (2003 - 2004), FOCUS TITANIUM 4DR (2012 - 2018), FOCUS TITANIUM 5DR (2012 - 2018), FOCUS ZTS 4DR (2001 - 2004), FOCUS ZTW WAGON (2002 - 2004), FOCUS ZX3 3DR (2001 - 2004), FOCUS ZX3 S 3DR (2005 - 2007), FOCUS ZX3 SE 3DR (2005 - 2007), FOCUS ZX4 S 4DR (2005 - 2007), FOCUS ZX4 SE 4DR (2005 - 2007), FOCUS ZX4 SES 4DR (2005 - 2007), FOCUS ZX4 ST 4DR (2005 - 2007), FOCUS ZX5 5DR (2002 - 2004), FOCUS ZX5 SES 5DR (2005 - 2007), FOCUS ZXW SE WAGON (2005 - 2007), FOCUS ZXW SES WAGON (2005 - 2007)


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