Ford Focus RS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 22, 2024
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Average insurance rates for a Ford Focus RS are $1,580 a year for full coverage insurance. Comprehensive costs around $362, collision costs $688, and liability coverage is estimated at $372. A policy with just liability insurance costs approximately $438 a year, with coverage for high-risk drivers costing around $3,424. Teens receive the highest rates at $5,744 a year or more.
Average premium for full coverage: $1,580
Rate estimates for individual coverage type:
Full coverage includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for all Focus RS models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $438 for the bare minimum liability coverage to the much higher price of $3,424 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than cities with more traffic congestion.
The example below illustrates how rural and urban location affects auto insurance rates.
These examples illustrate why everyone should get quotes for a specific zip code and risk profile, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Ford Focus RS insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $893
- Choosing higher $1,000 deductibles can save about $238 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,580
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $2,044
- Drivers with serious driving violations could pay at least $3,424 or more
- The cost for full coverage for a teenage driver for full coverage can be $5,744 each year
Insurance rates for a Ford Focus RS can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $5,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Ford Focus RS insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,140 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,430 | -$150 | -9.5% |
| Alaska | $1,214 | -$366 | -23.2% |
| Arizona | $1,310 | -$270 | -17.1% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,802 | $222 | 14.1% |
| Colorado | $1,510 | -$70 | -4.4% |
| Connecticut | $1,624 | $44 | 2.8% |
| Delaware | $1,790 | $210 | 13.3% |
| Florida | $1,980 | $400 | 25.3% |
| Georgia | $1,458 | -$122 | -7.7% |
| Hawaii | $1,136 | -$444 | -28.1% |
| Idaho | $1,070 | -$510 | -32.3% |
| Illinois | $1,178 | -$402 | -25.4% |
| Indiana | $1,190 | -$390 | -24.7% |
| Iowa | $1,066 | -$514 | -32.5% |
| Kansas | $1,502 | -$78 | -4.9% |
| Kentucky | $2,156 | $576 | 36.5% |
| Louisiana | $2,340 | $760 | 48.1% |
| Maine | $976 | -$604 | -38.2% |
| Maryland | $1,306 | -$274 | -17.3% |
| Massachusetts | $1,266 | -$314 | -19.9% |
| Michigan | $2,746 | $1,166 | 73.8% |
| Minnesota | $1,324 | -$256 | -16.2% |
| Mississippi | $1,894 | $314 | 19.9% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,698 | $118 | 7.5% |
| Nebraska | $1,248 | -$332 | -21.0% |
| Nevada | $1,894 | $314 | 19.9% |
| New Hampshire | $1,140 | -$440 | -27.8% |
| New Jersey | $1,768 | $188 | 11.9% |
| New Mexico | $1,400 | -$180 | -11.4% |
| New York | $1,666 | $86 | 5.4% |
| North Carolina | $910 | -$670 | -42.4% |
| North Dakota | $1,292 | -$288 | -18.2% |
| Ohio | $1,090 | -$490 | -31.0% |
| Oklahoma | $1,624 | $44 | 2.8% |
| Oregon | $1,448 | -$132 | -8.4% |
| Pennsylvania | $1,510 | -$70 | -4.4% |
| Rhode Island | $2,108 | $528 | 33.4% |
| South Carolina | $1,432 | -$148 | -9.4% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,386 | -$194 | -12.3% |
| Texas | $1,904 | $324 | 20.5% |
| Utah | $1,170 | -$410 | -25.9% |
| Vermont | $1,082 | -$498 | -31.5% |
| Virginia | $948 | -$632 | -40.0% |
| Washington | $1,222 | -$358 | -22.7% |
| West Virginia | $1,448 | -$132 | -8.4% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,408 | -$172 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $710 a year, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,900 to $2,500 additional per year, depending on your age. Ford Focus RS insurance for high-risk drivers ranges around 44% to 134% more than the average policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford Focus RS | $242 | $426 | $460 | $1,286 |
Rates are averaged for all Ford Focus RS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find More Affordable Ford Focus RS Insurance
Saving money on auto insurance takes being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
Below is a summary of the information raised in the charts and tables above.
- It is possible to save up to $200 per year simply by quoting online well ahead of the renewal date
- Teenage drivers are charged the highest rates, costing up to $479 per month including comprehensive and collision insurance
- Increasing deductibles can save around $700 each year
- Drivers who have multiple accidents or major violations may pay on average $1,840 more every year for auto insurance
- Consumers who may need higher levels of liability will pay approximately $410 annually to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,744 |
| 20 | $3,656 |
| 30 | $1,662 |
| 40 | $1,580 |
| 50 | $1,442 |
| 60 | $1,414 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,044 |
| $250 | $1,828 |
| $500 | $1,580 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,654 |
| 100/300 | $1,747 |
| 250/500 | $1,989 |
| 100 CSL | $1,692 |
| 300 CSL | $1,896 |
| 500 CSL | $2,045 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,228 |
| 20 | $5,814 |
| 30 | $3,512 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $77 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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