Ford Focus RS Insurance Rates

Estimated auto insurance rates for a Ford Focus RS are $1,580 annually for full coverage insurance. Comprehensive insurance costs an estimated $362 a year, collision insurance costs $688, and liability coverage costs around $372. A liability-only policy costs as low as $438 a year, and high-risk insurance costs $3,424 or more. Teen drivers pay the most at up to $5,744 a year.

Average premium for full coverage: $1,580

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Focus RS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

These rate differences illustrate why it is important to compare prices for a targeted area and their own personal driving habits, rather than using price averages.

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

More Rate Information

The chart below illustrates average Ford Focus RS insurance rates for other coverage scenarios.

• The lowest rate with discounts is $893
• Using higher $1,000 deductibles will save approximately $1,342 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,580
• Choosing low $100 deductibles for physical damage coverage costs an additional $464 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,424
• An auto insurance policy with full coverage for a teenage driver can cost as much as $5,744 or more

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Auto insurance prices for a Ford Focus RS also have a wide range based on the model of your Focus RS, your risk profile, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,900 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $710 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,140 on average in Florida, New York, and Michigan.

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How to Buy the Best Cheap Ford Focus RS Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Spend time shopping around at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a quick review of the data touched on above.

• Consumers who want higher liability limits will pay about $410 annually to increase from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save approximately $200 per year just by quoting early and online
• Increasing policy deductibles could save up to $700 each year
• Teenagers are the costliest to insure, with premiums being up to $479 per month if full coverage is included