Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year for full coverage. Comprehensive costs on average $362 each year, collision insurance costs $688, and liability coverage costs around $372. Liability-only insurance costs as low as $438 a year, and high-risk driver insurance costs around $3,424. 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:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $893
• Using higher $1,000 deductibles will save around $238 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,580
• Selecting low deductibles for physical damage coverage will increase the cost to $2,044
• Higher-risk drivers with serious driving violations could pay upwards of $3,424
• Policy cost for full coverage for a teenage driver may cost $5,744 or more

View Chart as Image

Auto insurance rates for a Ford Focus RS also range considerably based on your risk profile, the trim level of your Focus RS, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,700 a year. View Rates by Age

Your home state has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $710 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,900 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers can be around 44% to 134% more than the average policy. View High Risk Driver Rates

How to Find the Best Ford Focus RS Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest time comparing rates once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a brief recap of the data that was covered in the charts and tables above.

• Drivers can save as much as $200 per year just by quoting online in advance
• Consumers who require additional liability coverage will pay approximately $410 each year to increase from a 30/60 limit to 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, costing up to $479 each month if they have full coverage
• Drivers who tend to receive serious violations will pay on average $1,840 more each year than a driver with a clean driving record