Ford Focus RS Insurance Rates

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

Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than larger metro areas. The graphic below illustrates how location helps determine car insurance rates.

The examples above illustrate why all drivers should compare prices based on a specific location, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $893
• Using higher $1,000 deductibles will save around $238 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,580
• Choosing low deductibles for physical damage coverage bumps up the cost to $2,044
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,424
• Policy cost that insures a teenage driver may cost $5,744 or more

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 record, and policy deductibles and limits.

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest 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 has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $710 a year, whereas increasing liability limits will cost you more. Switching 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 Best Cheap Ford Focus RS Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a positive credit history, being claim-free, and possibly raising deductibles. Shop around at least every other year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers with a DUI or reckless driving violation may pay on average $1,840 more each year than a driver with a clean driving record
• It is possible to save as much as $200 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Consumers who require additional liability coverage will pay about $410 annually to increase from a 30/60 limit to the 250/500 level