Ford Focus RS Insurance Rates

Average insurance rates for a Ford Focus RS are $1,580 a year for full coverage. Comprehensive insurance costs approximately $362 a year, collision insurance costs $688, and liability costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $3,424 or more. Teenage drivers receive the highest rates at up to $5,744 a year.

Average premium for full coverage: $1,580

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Focus RS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

These examples show why it is important to compare rates using their specific location, instead of using average rates.

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

Additional Charts and Tables

The chart below shows average Ford Focus RS insurance rates for additional coverage and risk scenarios.

• The best discount rate is $893
• Drivers who choose higher $1,000 deductibles will pay $1,342 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,580
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $464 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,424
• The cost that insures a teen driver can cost $5,744 a year

View Chart as Image

Insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,900 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,700 a year. View Rates by Age

Where you live makes a big difference in Ford Focus RS insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,260 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $710 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Ford Focus RS Insurance

Saving money on car insurance not only requires being a good driver, but also having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the material that was touched on in the above illustrations.

• Policyholders who purchase an increased level of liability coverage will pay an extra $410 each year to go from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing as high as $479 per month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,840 more per year than a safer driver
• Increasing deductibles can save approximately $700 each year