For a Focus, one of the big things that aid in calculating the amount you pay each year for auto insurance is where you keep your vehicle. Areas with high crime rates or more dense population likely pay more, whereas areas that tend to be more rural have the luxury of lower rates.
The next table lists the most costly cities in Oklahoma for a Ford Focus in which to buy car insurance. Oklahoma City makes the list at #8 with an annual premium of $2,113 for the average insured, which is about $176 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Del City | $2,221 |
| 2 | Tulsa | $2,215 |
| 3 | Bixby | $2,213 |
| 4 | Sand Springs | $2,161 |
| 5 | Bethany | $2,157 |
| 6 | Broken Arrow | $2,151 |
| 7 | Midwest City | $2,140 |
| 8 | Oklahoma City | $2,113 |
| 9 | Sapulpa | $2,102 |
| 10 | Moore | $2,069 |
| 11 | Owasso | $2,064 |
| 12 | Edmond | $2,042 |
| 13 | Norman | $2,033 |
| 14 | Shawnee | $2,028 |
| 15 | Claremore | $2,008 |
| 16 | Yukon | $1,994 |
| 17 | Ponca City | $1,976 |
| 18 | Muskogee | $1,962 |
| 19 | Bartlesville | $1,941 |
| 20 | Lawton | $1,922 |
| 21 | Stillwater | $1,911 |
| 22 | Enid | $1,885 |
| 23 | Duncan | $1,885 |
| 24 | Ardmore | $1,879 |
| 25 | Altus | $1,876 |
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Price information shown is approximated as zip code location can change auto insurance rates considerably.
The vehicle needing coverage is one of the largest factors that determines the availability of the lowest-priced auto insurance for a Ford Focus. Vehicles with limited speed and performance, a great safety record, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.
The information below shows insurance prices for a selection of the more affordable automobiles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,095 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,177 |
| Ford F-150 STX Regular Cab 4WD | $1,200 |
| Ford Escape XLT 4WD | $1,202 |
| Toyota RAV4 Sport 2WD | $1,270 |
| Toyota Tacoma Double Cab 4WD | $1,293 |
| Ford Explorer XLT 2WD | $1,314 |
| Toyota Prius | $1,342 |
| GMC Sierra SLE Crew Cab 2WD | $1,361 |
| Chevrolet Silverado LS Crew Cab 4WD | $1,366 |
| Kia Optima LX | $1,363 |
| Volkswagen Jetta 2.0T Station Wagon | $1,382 |
| Ford F-350 Super Cab Cabela Package 2WD | $1,387 |
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Oklahoma minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can affect prices substantially.
Based upon the rates shown, we can assume that models like the Honda CR-V, Jeep Wrangler, and Ford F-150 are most likely going to be some of the most economical vehicles to insure for a Focus.
Finding good, low-priced car insurance is not always easy, and determining which companies offer the lowest-priced car insurance rates for a Ford Focus will involve more quotes for comparison. Each insurance company has their own process for filing rates in each state, so we’ll take a look at the most affordable car insurance companies in Oklahoma.
It’s important that you understand Oklahoma City, OK car insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit score, having a teen driver, or getting a speeding ticket can trigger price changes resulting in some companies being cheaper than competitors.
Compare Cheap Insurance Quotes for Your Focus
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Oklahoma Farmers Union | $1,190 |
| 2 | USAA | $1,196 |
| 3 | The Hartford | $1,359 |
| 4 | Safe Auto | $1,377 |
| 5 | GEICO | $1,394 |
| 6 | Farmers | $1,436 |
| 7 | State Farm | $1,536 |
| 8 | Liberty Mutual | $1,816 |
| 9 | Travelers | $1,925 |
| 10 | OK Farm Bureau | $1,997 |
| 11 | Mercury | $2,033 |
| 12 | Shelter | $2,129 |
| 13 | Home State | $2,149 |
| 14 | MetLife | $2,169 |
| 15 | Progressive | $2,179 |
| 16 | Allstate | $2,472 |
| 17 | Safeco | $5,209 |
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Oklahoma Farmers Union may offer some of the most affordable car insurance rates in Oklahoma City at around $1,190 per year. USAA, The Hartford, Safe Auto, and GEICO also are some of the more affordable Oklahoma City, OK auto insurance companies.
As the example above demonstrates, if you are currently insured with USAA and switched to Oklahoma Farmers Union, you could earn yearly savings of approximately $6. Customers with The Hartford could save as much as $169 a year, and Safe Auto customers might realize rate reductions of up to $187 a year.
Be aware that those rates are averages for all drivers and vehicles and do not take into consideration a specific zip code for a Ford Focus. So the auto insurance company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own personal information and vehicle type.
Discount Oklahoma City car insurance rates
Insurers that offer quotes for a Ford Focus may additionally offer special discounts that can lower rates by 35% or more if you are eligible for them. Popular car insurance companies and a summarized list of policyholder discounts are:
- State Farm may have discounts that include student away at school, driver’s education, anti-theft, passive restraint, defensive driving training, and good driver.
- Progressive includes discounts for online signing, multi-policy, continuous coverage, multi-vehicle, online quote discount, and good student.
- Progressive offers discounts for multi-policy, homeowner, continuous coverage, multi-vehicle, online quote discount, good student, and online signing.
- MetLife has discounts for defensive driver, accident-free, good student, good driver, multi-policy, claim-free
- Farm Bureau has savings for 55 and retired, safe driver, driver training, renewal discount, and multi-vehicle.
- GEICO offers premium reductions for membership and employees, daytime running lights, five-year accident-free, federal employee, and multi-vehicle.
- SAFECO may offer discounts for drive less, multi-car, anti-theft, accident prevention training, and teen safe driver.
The example below illustrates the comparison of auto insurance rates with and without discounts. The costs are based on a male driver, no violations or accidents, Oklahoma state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, multiple policy, vehicle safety, passive restraint, defensive driving course, and marriage discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for a Ford Focus is 28% or $650.
Selecting the right car insurance provider can be difficult considering how many companies there are in Oklahoma City. The company information displayed below could help you pick which insurers to look at comparing rates from. The ratings below only include companies who write in the majority of U.S. states, so companies that focus mainly on Oklahoma business are not taken into consideration for this list.
Top 10 Large Car Insurance Companies Overall in Oklahoma City
- Travelers
- USAA
- Mercury Insurance
- AAA Insurance
- Nationwide
- Allstate
- State Farm
- The Hartford
- Safeco Insurance
- Progressive
Top 10 Large Car Insurance Companies in Oklahoma City Ranked by Customer Service
- USAA
- Travelers
- Mercury Insurance
- Safeco Insurance
- Nationwide
- AAA Insurance
- State Farm
- Progressive
- The Hartford
- The General
The illustration below shows how different deductible levels can affect insurance rates when researching cheap insurance for a Ford Focus. The premiums are based on a married male driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could reduce rates by $434 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $656 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, can save up to $1,458 or even more by selecting a higher deductible.
When raising deductibles, it is necessary to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.