Ford Focus RS Insurance Rates

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UPDATED: Apr 22, 2024

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Average auto insurance rates for a Ford Focus RS are $1,580 annually with full coverage. Comprehensive costs an estimated $362, collision costs $688, and liability costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing around $3,424. Teen drivers receive the highest rates at $5,744 a year or more.

Average premium for full coverage: $1,580

Rate estimates broken down by individual coverage type:

Comprehensive $362
Collision $688
Liability $372

Full coverage includes $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Focus RS trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as cheap as $438 for just liability coverage to a much higher rate of $3,424 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,580
High Risk $3,424

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have fewer collision claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,185
Small Cities $1,659
Large Cities $2,133

These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using price 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.

Detailed Rate Analysis

The chart below details estimated 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 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,580
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $2,044
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,424 or more
  • The cost with full coverage for a teen driver with full coverage can cost as much as $5,744 a year

View Chart as Image

Ford Focus RS insurance cost comparison chart
Column chart showing full coverage Ford Focus RS insurance rates range from $893 to $5,744

Insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, your driving record, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,900 to $2,500 extra per year, depending on your age. High-risk driver insurance can cost as much as 44% to 134% more than average. View High Risk Driver Rates

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

Where you live makes a big difference in Ford Focus RS insurance prices. A 40-year-old driver could pay as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,140 on average in New York, Michigan, and Florida.

Ford Focus RS Insurance Rates by State
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%

View Chart as Image

Ford Focus RS insurance rates by U.S. city

With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so the rates can be significantly different between companies.

Ford Focus RS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford Focus RS $258 $464 $460 $1,340

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 Buy More Affordable Ford Focus RS Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop at least once a year by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below is a summary of the primary concepts that were touched on in the above illustrations.

  • You may be able to save approximately $200 per year simply by shopping early and online
  • Higher risk drivers who have multiple accidents or major violations pay on average $1,840 more annually for auto insurance
  • Increasing deductibles could save up to $700 each year
  • Teenage drivers are charged the highest rates, with premiums as much as $479 per month including comprehensive and collision insurance

Rates by Driver Age

Ford Focus RS Insurance 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

Ford Focus RS Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,044
$250 $1,828
$500 $1,580
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus RS Insurance Rates with Different Liability Limits
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

Ford Focus RS Insurance 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.

SR-22 Surcharge $222

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
Rate after discounts $893

Discounts are estimated and may not be available from every company or in every state.

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