Ford Focus RS Insurance Rates

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

Average premium for full coverage: $1,580

Policy rates broken down by type of insurance:

Prices include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for different Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates 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
• Drivers who choose higher $1,000 deductibles will pay approximately $238 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,580
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $2,044
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,424
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,744 a year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,900 to $2,500 additional every year, depending on your age. High-risk driver insurance can cost around 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $710 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Focus RS insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

How to Buy the Right Ford Focus RS Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the data covered above.

• Consumers who want more liability coverage will pay about $410 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $200 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Teen drivers are expensive to insure, possibly costing $479 each month if they have full coverage