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 including full coverage. Comprehensive costs around $362 each year, collision insurance costs $688, and liability costs $372. Buying just liability costs as little as $438 a year, and insurance 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 for individual coverage type:

Comprehensive $362
Collision $688
Liability $372

These estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Focus RS models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as cheap as $438 for liability-only coverage to a high rate of $3,424 for a high-risk insurance policy.

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

Price Range by Location

Your location can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how where you live affects auto insurance rates.

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

These examples highlight why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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.

Additional Charts and Tables

The chart below breaks down average Ford Focus RS insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $893
  • Drivers who choose higher $1,000 deductibles will pay about $238 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,580
  • Choosing low deductibles for comprehensive and collision insurance will cost $2,044
  • Drivers with multiple violations and an at-fault accident could pay at least $3,424
  • The cost with full coverage for a 16-year-old driver can be $5,744 a year

View Chart as Image

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

Auto insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, your driving characteristics, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay as much as $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,900 to $2,500 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $710 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 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 $1,210 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,260 on average in Michigan, New York, and Louisiana.

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
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 Cheap Ford Focus RS Insurance

Saving money on insurance for a Ford Focus RS not only requires not taking risks behind the wheel, but also having above-average credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop at least every other year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief summary of the car insurance concepts touched on in the above illustrations.

  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,840 more every year for Focus RS insurance
  • You may be able to save up to $200 per year just by quoting online in advance
  • Increasing deductibles could save up to $700 each year
  • Insureds who may need higher liability limits will pay about $410 per year to go from a minimum limit to higher 250/500 limits

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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