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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U.S. average insurance rates for a Ford Focus RS are $1,580 a year for full coverage insurance. Comprehensive insurance costs approximately $362, collision insurance costs $688, and liability costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs $3,424 or more. 16-year-old drivers pay the highest rates at up to $5,744 a year.
Average premium for full coverage: $1,580
Price estimates by individual coverage:
Prices include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Focus RS trim levels.
Price Range from Low to High
For a 40-year-old driver, Ford Focus RS insurance prices range from as low as $438 for just liability insurance to a much higher rate of $3,424 for high-risk insurance.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.
The ranges above illustrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using rate 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.
More Rate Details
The chart below illustrates average Ford Focus RS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $893
- Drivers who choose higher $1,000 deductibles will pay $238 each year
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,580
- Buying more expensive low deductibles for comprehensive and collision insurance will cost an extra $464 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,424
- The price for full coverage for a teen driver with full coverage can cost $5,744 a year
Car insurance prices for a Ford Focus RS are also quite variable based on your driving record, the model year and trim level, and physical damage deductibles and liability limits.
An older driver with no driving violations and high deductibles may pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged in the ballpark of $5,700 a year. View Rates by Age
The state you live in makes a big difference in Ford Focus RS insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,140 on average in Florida, 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% |
Opting for high physical damage deductibles could save up to $710 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance can cost as much as 44% to 134% more than the average rate. View High Risk Driver Rates
| 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 the Right Ford Focus RS Insurance
Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Invest the time to shop around every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
The points below are a quick rundown of the material that was illustrated above.
- Policyholders who purchase increased liability limits will pay around $410 annually to go from a low limit to 250/500 limits
- Drivers under the age of 20 pay the highest auto insurance prices, as much as $479 a month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,840 more per year to insure a Ford Focus RS
- Increasing physical damage deductibles can save around $700 each year
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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