Who Has Cheap Memphis Auto Insurance Rates for a Ford Focus?

Finding economical coverage for a Ford Focus hinges on lots of different factors such as your gender, your credit score, and the deductible amount you use. Drivers pay around $901 each year to insure their Focus, but that cost is an estimation using a 50-year-old single female driver with full coverage and $250 deductibles.

There’s a good chance you aren’t exactly 50 years old or even a female, maybe you are married instead of single, and maybe you want higher deductibles. Having what appears to be a very minor change in the rating criteria used to formulate rates may result in a big change in the policy cost.

Having different needs demonstrates why the best method for finding cheap insurance prices for your Ford is to just compare rates yourself. Quotes only take a couple of minutes and you can get rates from some of the best companies in Tennessee.

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Your Ford’s trim level tends to have a direct impact on the cost of insurance, so the cost to insure a Focus S 4-Dr Sedan trim level will be $146 cheaper than the insurance cost for the fancier Focus SES 2-Dr Coupe model, as shown by the rates below.

Ford Focus Insurance Rates in Memphis, TN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Focus S 4-Dr Sedan $168 $368 $326 $20 $98 $980 $82
Focus SE 4-Dr Sedan $168 $368 $326 $20 $98 $980 $82
Focus SEL 4-Dr Sedan $168 $434 $326 $20 $98 $1,046 $87
Focus SES 4-Dr Sedan $168 $434 $326 $20 $98 $1,046 $87
Focus SE 2-Dr Coupe $192 $434 $368 $22 $110 $1,126 $94
Focus SES 2-Dr Coupe $192 $434 $368 $22 $110 $1,126 $94
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can revise rates greatly.

Choosing a highly-rated insurer can be rather challenging considering how many different companies sell coverage in Tennessee. The company information shown next could help you pick which car insurance providers you want to consider when shopping car insurance rates for a Ford Focus. The ratings below are only made up of companies that insure vehicles nationwide, so companies that focus mainly on Tennessee business are not taken into consideration for these rankings.

Top Ten Insurance Companies for a Ford Focus in Memphis, TN
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
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Data Source: Insure.com Best Car Insurance Companies

The illustration below demonstrates how choosing different deductibles can raise or lower yearly insurance costs when searching for cheap insurance for a Ford Focus. The data assumes a single male driver, comp and collision included, and no other discounts are factored in.

A 40-year-old driver could pocket $276 a year by changing from a $100 deductible up to a $500 deductible, or save $414 by selecting a $1,000 deductible. Young drivers, like the 20-year-old category, could save as much as $914 each year just by choosing higher deductibles. When using a larger deductible, it is necessary to have plenty of savings on hand to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.

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Memphis insurance rates are based on many factors which can substantially change the policy premium. Improving your credit score, having a teen driver, or getting a ticket for running a stop sign can trigger price changes resulting in some rates now being cheaper than competitors.

In addition to those changes, car insurance companies amend pricing at least once a year in order to remain profitable. Significantly higher claims can cause more expensive prices, while lower claims may result in cheaper Focus insurance rates.

The bar chart below compares the cheapest car insurance in Memphis, TN for a 35-year-old male driver with no violations or accidents, and a decent credit rating. When comparing rates based on his personal risk profile, Utica National may have the lowest car insurance rates in Memphis at $1,038 each year. This is $290 less than the average policy premium paid by Tennessee drivers of $1,328. Cincinnati Insurance, Auto-Owners, USAA, and Penn National are the remaining cheapest Memphis, TN auto insurance companies.

In this example, we will give the driver from the first example an accident surcharge, slightly worse credit, and a speeding citation. Due to the fact that each insurance company uses their own method to determining premium rates, getting updated rate quotes most likely will result in a different list of the cheapest car insurance companies in Memphis as shown below.

Erie now has the cheapest rate in Memphis, TN with Nationwide, Allied, Westfield, and GEICO now rounding out the top five. This example illustrates why it is critical to do a thorough rate comparison when trying to get the most affordable car insurance rates for a Ford Focus.

Auto insurance prices are influenced by many different factors and can change substantially, so the best option the last time you shopped your coverage around may now be quite expensive.