Many Ford Focus models are indeed considered cheap to insure, particularly the standard family-oriented versions. However, the exact cost depends significantly on the specific model and its performance capabilities.
Understanding Ford Focus Insurance Costs
The Ford Focus is often ranked as one of the most affordable family cars to insure. This is primarily due to the majority of its models falling into lower insurance groups. Insurance groups, ranging from 1 to 50, categorize vehicles based on factors like performance, safety features, repair costs, and security. Cars in lower groups are generally cheaper to insure.
Standard Models: Generally Affordable
For most non-performance-focused Ford Focus models, you can expect them to sit within insurance groups 6 to 22. This broad range signifies that while some standard trims might be slightly more expensive, many are very budget-friendly for insurance purposes. Their widespread availability, reasonable repair costs, and general safety features contribute to their lower group ratings.
Performance Models: Higher Costs
In contrast, performance-oriented versions of the Ford Focus, such as the Focus RS, are found in much higher insurance groups. These models are equipped with more powerful engines and are designed for speed, which inherently increases their risk profile for insurers.
| Ford Focus Model Type | Typical Insurance Group Range | Key Characteristic |
|---|---|---|
| Standard / Family | 6 to 22 | Non-performance, common |
| Performance (e.g., RS) | 39 to 42 | Powerful engine, speed-focused |
This distinction is crucial when evaluating potential insurance costs. While a standard 1.0L EcoBoost Focus might be incredibly cheap to insure, a high-performance Focus RS will command significantly higher premiums due to its classification in a much higher insurance group.
In summary, if you are considering a standard Ford Focus model, it is highly likely to be an affordable option for car insurance. However, always check the specific insurance group of the exact model you are interested in.
