Ford Focus RS Insurance Rates

Average insurance rates for a Ford Focus RS are $1,580 a year for full coverage insurance. Comprehensive costs approximately $362 a year, collision insurance costs $688, and liability coverage is estimated at $372. A policy with just liability insurance costs approximately $438 a year, and coverage for high-risk drivers costs around $3,424. Teen 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:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Focus RS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

These examples illustrate why it is important to get quotes using their specific location and risk profile, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $893
• Choosing higher $1,000 deductibles can save $1,342 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,580
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $2,044
• Drivers with multiple violations and an at-fault accident could pay around $3,424
• The cost for full coverage for a teenage driver can cost $5,744 each year

View Chart as Image

Insurance rates for a Ford Focus RS can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

Where you live plays a big part in determining prices for Ford Focus RS insurance rates. A good driver about age 40 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

Choosing high deductibles can save as much as $710 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $335 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than average. View High Risk Driver Rates

How to Find the Best Cheap Ford Focus RS Insurance

Saving money on auto insurance takes avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Make time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The list below is a quick review of the data touched on in this article.

• Consumers who purchase higher liability limits will pay about $410 annually to raise limits from a minimum limit to 250/500 limits
• It is possible to save around $200 per year just by quoting early and online
• Increasing deductibles can save around $700 each year
• Teenagers are the costliest to insure, costing up to $479 per month including comprehensive and collision insurance