Who Has the Cheapest Oklahoma City Auto Insurance for a Ford Focus?

Buying cheaper coverage for a Ford Focus relies on lots of different factors such as your gender, the performance level of your vehicle, and your choice of deductibles. Oklahoma drivers pay approximately $1,271 each year for Focus insurance, but that cost is based on a 50-year-old single male driver with full comprehensive and collision coverage and $500 deductibles.

There’s a high likelihood you are not 50 and maybe not even a male, married instead of single, or maybe you need higher liability limits than the state minimum. Have just a small change in policy rating criteria or coverages could end up in a significant change in the cost of insurance for a Ford Focus.

This example demonstrates why the best way to find the cheapest coverage for your Ford is to compare as many rates as you can.

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Your Ford’s trim level will be a contributing factor to the coverage cost, so the price to insure a Focus S 4-Dr Sedan trim level will be $206 cheaper than the cost to insure the fancier Focus SES 2-Dr Coupe trim level, as demonstrated by the prices below.

Ford Focus Insurance Rates in Oklahoma City, OK
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $212 $486 $506 $30 $152 $1,386 $116
Focus SE 4-Dr Sedan $212 $486 $506 $30 $152 $1,386 $116
Focus SEL 4-Dr Sedan $212 $572 $506 $30 $152 $1,472 $123
Focus SES 4-Dr Sedan $212 $572 $506 $30 $152 $1,472 $123
Focus SE 2-Dr Coupe $242 $572 $572 $34 $172 $1,592 $133
Focus SES 2-Dr Coupe $242 $572 $572 $34 $172 $1,592 $133
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Oklahoma minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Price information does not factor in specific garaging location which can revise coverage rates noticeably.

Determining which company quotes the cheapest insurance rates for a Ford Focus may require more work in order to find the best price.

Every car insurance company has a proprietary formula for filing rates in each state, so let’s look at the rankings for the insurance companies that tend to have lower prices in Oklahoma. It’s a good idea to be aware that Oklahoma City, OK insurance rates are influenced by many factors that will increase or decrease the price you have to pay for coverage. Simply having another birthday, buying a different vehicle, or getting a few speeding tickets can trigger rate changes that can make some companies cheaper than before.

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Oklahoma auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,150
2 Oklahoma Farmers Union $1,190
3 The Hartford $1,359
4 GEICO $1,381
5 Farmers $1,394
6 Safe Auto $1,405
7 State Farm $1,583
8 Travelers $1,849
9 Liberty Mutual $1,871
10 Mercury $2,053
11 OK Farm Bureau $2,058
12 Shelter $2,108
13 Home State $2,128
14 Progressive $2,157
15 MetLife $2,213
16 Allstate $2,376
17 Safeco $5,005
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USAA may have some of the lowest car insurance rates in Oklahoma City at around $1,150 a year. Oklahoma Farmers Union, The Hartford, GEICO, and Farmers also are some of the cheapest Oklahoma City, OK car insurance companies.

In this example, if you are currently insured with Farmers and switched to Oklahoma Farmers Union, you might realize yearly savings of about $204. Insureds with Safe Auto could save as much as $215 a year, and State Farm customers might lower prices by up to $393 a year.

Remember that these policy rates are averages across all drivers and vehicles and are not factoring in a specific location for a Ford Focus. So the car insurance company that fits you best may not even be in the top 17 companies in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Insurance rates are higher with tickets and accidents

The easiest method to snag the cheapest insurance premiums for a Focus is to drive attentively and maintain a clean driving record. The diagram below demonstrates how citations and at-fault collisions can impact insurance costs for each age group. The premiums are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of a car insurance policy in Oklahoma per year with a clean driving record and no accidents is $2,634. Add in one speeding ticket and the average cost swells to $3,069, an increase of $435 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for a Ford Focus increases to an average of $4,318. That’s an increase of $1,684, or $140 per month, just for being a less-than-perfect driver!

Comparison of full coverage and liability-only policies

Buying cheaper insurance should be important to the majority of people, and one way to lower the cost of insurance for a Ford Focus is to not insure for full coverage. The information below illustrates the comparison of annual premium costs with full physical damage coverage and with liability coverage only. The costs are based on no claims or driving citations, $1,000 deductibles, single status, and no other discounts are factored in.

As an average for all age groups, physical damage coverage costs $2,186 per year more than just buying liability insurance. That is a big expense that brings up the question if it’s worth it to buy full coverage. There is no set rule to eliminate physical damage insurance, but there is a broad guideline. If the yearly cost for physical damage coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

The illustration below shows how choosing a deductible can change annual premium costs when quoting cheap insurance for a Ford Focus. The rates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.

As shown above, a 40-year-old driver could lower rates by $422 a year by switching from a $100 deductible to a $500 deductible, or save $636 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, can cut as much as $1,420 or even more just by using higher deductibles. When using a larger deductible, it’s a good idea to have additional funds in a savings account to cover the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.