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Insuring Your Ford Focus: Zetec Car Insurance Groups


The cost of a new or used car is the main factor that will dictate the make or model that you buy. When considering the cost of a vehicle, it’s important to think about more than just the purchase price. The ongoing running cost will also be a factor once you own the car and car insurance is a key consideration.

The cost of car insurance is influenced by a number of factors and the typical specification of the car is fundamental to this including the vehicle age and mileage as well as the cost of repairs.

In this guide:

Learn more about the insurance groups for different Ford Focus Zetec models.

Find out more about what car insurance groups mean.

The impact of other factors on car insurance costs

How does the Ford Focus Zetec insurance group compare to other models?


Ford Focus Zetec insurance group


The Ford Focus Zetec is a popular choice from the range. There are various models available. With low emissions, a great MPG statistic and decent BHP across the board, the Ford Focus Zetec balances the city car and the sporty roadster perfectly.

Different Ford Focus Zetec models are classified under different insurance groups. This means differences in your premiums when you apply for car insurance. The different models are quite distinct from one another, and there are quite a few to choose from.

Here are the insurance groups for the Ford Focus Zetec:

Model Insurance group
Focus Zetec 1.6 3 door
 
10
Focus Zetec 1.6 5 door
 
10
Focus Zetec 1.8 3 door
 
15
Focus Zetec 1.6 auto 3/5 door
 
10
Focus Zetec Ecoboost 5 door
 
11
Focus Zetec Nav Ecoboost 5 door
 
12
Focus Zetec S
 
12


Additional information for the Ford Focus Zetec

As a smaller iteration of the vehicle, this city car still packs some punch and is available in both diesel and petrol variations.
 

Focus Zetec 1.6 3 door


As a smaller iteration of the vehicle, this city car still packs some punch and is available in both diesel and petrol variations.


Focus Zetec 1.6 5 door


With little to differentiate it from the 3-door version, this version falls into the same insurance group and is, again, available in both diesel and petrol versions.


Focus Zetec 1.8 3 door


If you want something a little sportier that packs some additional punch with its engine, the Zetec 1.8 3-door is a good option. However, the extra BHP does push the insurance bracket up slightly in comparison to other versions.


Focus Zetec 1.6 auto 3/5 door


Bringing the same power and versatility but with an automatic gearbox, this iteration of the Zetec is still affordable when it comes to running costs.


Focus Zetec Ecoboost 5 door


The advanced technology of Ecoboost cars keeps emissions to an absolute minimum. This helps to keep fuel costs down with a smaller engine size.


Focus Zetec Nav Ecoboost 5 door


This handy automatic includes a special eco mode plus cruise control and a speed limiter, as well as a land keeping aid and trip computer.


Focus Zetec S


Another car aimed at minimal emissions, the Zetec S has a similar specification to the Ecoboost and so falls into the same insurance group.


What do car insurance groups mean?


Car insurance groups are assigned to every car and range from 1 to 50. The lower the band, the cheaper the car is to insure and, in most cases, the more powerful, rare and expensive cars are the ones that popular the higher groups. The vast majority of insurers use this system to calculate the premiums they are willing to offer to insure your car.

The following factors are taken into consideration when putting cars into insurance groups:

  • Value of the car when new – this gives an indication of the likely cost of repairs to the car
  • Likelihood of faults or accidents
  • Cost of replacement parts
  • Repair times – repairs that take longer usually incur higher costs
  • Performance – higher performance cars are considered to be more likely to be involved in accidents that result in insurance claims
  • Safety ratings – good safety features can reduce the risk of accidents occurring
  • Bumper compatibility – bumper damage is very common and non-standard bumpers are more expensive to replace
  • Security –with more security features like alarms and immobilisers, the risk of theft is lower

All of these variables are considered when assigning an insurance group to a car model. There are some insurers who use their own grouping structure, but the standard grouping system is usually a pretty accurate indicator of how much a car will cost to insure.


What other factors can affect Ford Focus Zetec insurance costs?


When providing a quote, insurers will take other factors into account alongside the car’s insurance group. Here are some of the other factors that will be considered:

  • Age – younger drivers will often get higher premiums due to their higher statistical risk of needing to make a claim.
  • Location – cars kept in certain areas are at a greater risk of theft or vandalism than they might be elsewhere.
  • Credit history – recent credit issues could make it harder to get the most competitive premiums.
  • Model and age of car – certain car models are known to develop faults and, the age of the can indicate how likely repairs will be needed.
  • Driving history and activity – if you are an experienced driver, you may be offered better premiums from insurers.
  • No claims discount – the more years you are insured without having to make a claim, the better your no-claims discount will be and the lower your insurance claims will be.


How does the Ford Focus Zetec insurance grouping compare with the ST or ST-Line?


The Ford Focus Zetec models are among the cheapest to insure. Older ST or ST-Line models can be found in group 13+, but the sportier design and specification of these cars means the insurance groups are often much higher.

Consider the latest Ford Focus ST-3 model – it falls into insurance group 36, making it considerably more expensive to insure than any Zetec model.

Ford Focus Zetec models usually come in at a lower spec than their Ford Focus ST and ST-Line counterparts in terms of power. They’re not built for such impressive BHP and the insurance grouping reflects this. Nevertheless, there are plenty of cutting-edge features in the latest Zetec models, particularly for the safety-conscious city driver who wants to keep running costs down.

You can find out more about the Ford Focus insurance group for other models in our guides for the Ford Focus ST, ST-Line and Titanium models.