Ford Focus RS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Estimated insurance rates for a Ford Focus RS are $1,580 a year including full coverage. Comprehensive insurance costs approximately $362, collision insurance costs $688, and liability is $372. A policy with only liability insurance costs around $438 a year, and a high-risk policy 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 by type of coverage:
Price estimates include $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Focus RS models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Ford Focus RS range from the low end price of $438 for basic liability insurance to the much higher price of $3,424 for a high-risk insurance policy.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.
These rate differences highlight why everyone should compare rates quotes using their specific location, instead of using price averages.
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.
Rate Comparisons
The chart below breaks down average Ford Focus RS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $893
- Raising to $1,000 deductibles will save $238 every year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,580
- Choosing pricier low deductibles will cost an additional $464 every year
- At-risk drivers with multiple violations and an at-fault accident could pay around $3,424
- An auto insurance policy that insures a teen driver for full coverage can cost $5,744
Car insurance prices for a Ford Focus RS also have a wide range based on the model of your Focus RS, your driving record and age, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you are likely paying anywhere from $1,900 to $2,500 extra annually, depending on your age. Ford Focus RS insurance for high-risk drivers is expensive and can cost as much as 44% to 134% more than average. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,700 a year. View Rates by Age
Where you choose to live also has a big influence on Ford Focus RS insurance prices. A middle-age driver might find prices as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,260 on average in Louisiana, New York, and Michigan.
| 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 high deductibles can reduce prices by up to $710 every year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Cheaper Ford Focus RS Insurance
Finding better rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, refrain from filing small claims, and attention to physical damage deductibles. Shop around at least every other year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The following is a condensed summary of the car insurance concepts presented in the illustrations above.
- Higher risk drivers with multiple at-fault accidents will likely pay on average $1,840 more per year for Focus RS insurance
- You may be able to save around $200 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $700 each year
- Policyholders who purchase higher liability limits will pay about $410 per year to raise from 30/60 bodily injury limits to the 250/500 level
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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