Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year with full coverage. Comprehensive insurance costs on average $362 each year, collision insurance costs $688, and liability insurance costs $372. A liability-only policy costs as little as $438 a year, and high-risk insurance costs $3,424 or more. Teens cost the most to insure at up to $5,744 a year.

Average premium for full coverage: $1,580

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why all drivers should compare rates based on a specific location, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details average Ford Focus RS insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $893
• Drivers who choose higher $1,000 deductibles will pay around $238 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,580
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $464 a year
• High risk drivers with serious driving violations could pay upwards of $3,424
• Policy cost that insures a teen driver may cost $5,744 a year

View Chart as Image

Car insurance rates for a Ford Focus RS also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,900 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,700 a year. View Rates by Age

Your home state makes a big difference in Ford Focus RS insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,140 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $710 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Cheapest Ford Focus RS Insurance

Finding cheaper rates on Ford Focus RS insurance not only requires being a low-risk driver, but also having a positive credit history, not filing small claims, and possibly raising deductibles. Compare rates every other policy renewal by getting quotes from direct companies, and also from several local insurance agents.

The items below are a recap of the ideas that were raised in the charts and tables above.

• Teen drivers are expensive to insure, as much as $479 each month if full coverage is purchased
• High-risk drivers that have major violations or accidents pay on average $1,840 more each year to insure their Focus RS
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• You may be able to save as much as $200 per year just by quoting online in advance