Finding the best cheap insurance for a Ford Focus in South Carolina is dependent upon a lot of rating criteria such as your marital status, where your vehicle is garaged, and driving citations. Drivers will pay around $1,031 annually for Focus insurance, but that is a projection calculated based on a 30-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.
There's a high likelihood you are not 30 and maybe not even a female, maybe you are married instead of single, or maybe you want more liability coverage than is required by law in South Carolina. Even a slight change in rating variables can result in a massive change in how much coverage for a Ford Focus costs.
Everone's needs are different, and this illustrates why the way we recommend to find the most affordable coverage for your Ford is to just compare rates yourself.
Your Ford's trim level tends to impact the yearly cost, so the cost to insure a Focus S 4-Dr Sedan trim level will be $164 cheaper than the price to insure the more well-appointed Focus SES 2-Dr Coupe trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Focus S 4-Dr Sedan||$158||$344||$460||$28||$138||$1,128||$94|
|Focus SE 4-Dr Sedan||$158||$344||$460||$28||$138||$1,128||$94|
|Focus SEL 4-Dr Sedan||$158||$406||$460||$28||$138||$1,190||$99|
|Focus SES 4-Dr Sedan||$158||$406||$460||$28||$138||$1,190||$99|
|Focus SE 2-Dr Coupe||$180||$406||$520||$30||$156||$1,292||$108|
|Focus SES 2-Dr Coupe||$180||$406||$520||$30||$156||$1,292||$108|
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can influence insurance rates noticeably.
Finding the highest-rated insurance provider can be a challenge considering how many companies sell coverage in South Carolina. The ranking information in the next section may help you decide which insurers to look at when shopping car insurance rates for a Ford Focus. These ratings are only comprised of companies who write in the majority of U.S. states, so companies that focus mainly on South Carolina business are not taken into consideration for these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The diagram below illustrates how choosing a deductible can influence insurance prices when trying to find cheap insurance for a Ford Focus in South Carolina. The information is based on a single male driver, full physical damage coverage, and no other discounts are factored in.
A 40-year-old driver could save $378 a year by increasing from a $100 deductible up to a $500 deductible, or save $570 by using a $1,000 deductible. Young drivers, like the 20-year-old category, could reduce their rates up to $1,266 every year by selecting a higher deductible.
When using a larger deductible, it will be necessary to have enough savings to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.
Careless driving habits raise South Carolina insurance rates
In a perfect world, the ideal way to maintain the most affordable insurance prices in South Carolina for a Focus is to pay attention while driving and not receive tickets or have accidents. The illustration below highlights how traffic violations and accidents raise premium costs for each age group. The information is based on a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
In the example above, the average cost of auto insurance in South Carolina per year with no accidents and a clean driving record is $2,275. Get two speeding tickets and the average cost increases to $3,019, an increase of $744 each year. Next add two accidents along with the two speeding tickets and the 12-month cost of insurance for a Ford Focus in South Carolina increases to an average of $5,705. That's an increase of $3,430, or $286 per month, just for not being a responsible driver!
How to get discounts on South Carolina insurance
Auto insurance companies that provide coverage for a Ford Focus may provide rate discounts that can reduce rates by as much as 30% if you are eligible. A few of the larger companies and their possible discounts are outlined below.
- GEICO offers discounts for five-year accident-free, emergency military deployment, daytime running lights, air bags, and membership and employees.
- Travelers discounts include payment discounts, new car, early quote, home ownership, and hybrid/electric vehicle.
- Nationwide offers discounts including family plan, business or organization, Farm Bureau membership, easy pay, anti-theft, accident-free, and defensive driving.
- Farmers Insurance may include discounts for switch companies, business and professional, homeowner, mature driver, teen driver, and pay in full.
- Esurance has savings for multi-car, homeowner, online quote, emergency road assistance, and good student.
- State Farm may have discounts that include Drive Safe & Save, passive restraint, student away at school, good driver, Steer Clear safe driver discount, and multiple policy.
- Progressive includes discounts for homeowner, good student, multi-policy, multi-vehicle, and online quote discount.
- Mercury Insurance has discounts for professional/association, ease of repair, good student, low natural disaster claims, and good driver.
The chart below illustrates the comparison of insurance rates with and without policy discounts. The rate quotes are based on a male driver, no tickets, no at-fault accidents, South Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, multiple policy, safe-driver, passive restraint, marriage, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on insurance for a Ford Focus is 28% or $665.