Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year for full coverage. Comprehensive costs on average $362, collision insurance costs $688, and liability coverage is $372. Liability-only coverage costs around $438 a year, and high-risk coverage costs around $3,424. 16-year-old drivers cost the most to insure at up to $5,744 a year.

Average premium for full coverage: $1,580

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how your location can change car insurance rates.

The examples above show why everyone should compare rates quotes based on a specific location and risk profile, rather than using rate averages.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below shows average Ford Focus RS insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $893
• Raising to $1,000 deductibles will save around $238 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,580
• Buying pricier low deductibles will increase the cost to $2,044
• Unlucky drivers with multiple tickets or accidents could pay upwards of $3,424
• Policy cost for full coverage for a teenage driver for full coverage may cost $5,744

View Chart as Image

Insurance rates for a Ford Focus RS also range considerably based on your risk profile, the trim level of your Focus RS, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $5,700 a year. View Rates by Age

Your home state also has a big influence on Ford Focus RS insurance rates. A middle-age driver might find rates as low as $1,040 a year in states like Idaho, Maine, and Iowa, or at least $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $710 a year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,900 to $2,500 additional every year, depending on your age. Ford Focus RS insurance for high-risk drivers is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

How to Find the Best Ford Focus RS Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a good credit history, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around every other policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following list is a brief recap of the ideas that were illustrated above.

• Drivers age 16 to 20 pay higher rates, costing up to $479 each month including comprehensive and collision insurance
• Drivers who tend to receive serious violations will pay on average $1,840 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $700 each year
• Drivers can save as much as $200 per year just by quoting online well ahead of the renewal date