Ford Focus RS Insurance Rates

The average auto insurance rates for a Ford Focus RS are $1,580 annually for full coverage insurance. Comprehensive costs around $362 a year, collision insurance costs $688, and liability coverage costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver 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 for type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates how your location can change auto insurance rates.

The examples above illustrate why it is important to compare rates for a specific zip code and their own personal driving habits, 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 choices and driver risks.

• The lowest rate with discounts is $893
• Drivers who choose higher $1,000 deductibles will pay about $1,342 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,580
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $2,044
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,424
• Policy cost with full coverage for a teenage driver can be $5,744 a year

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, 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 have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,900 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $710 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Ford Focus RS insurance rates. A 40-year-old driver could pay 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

How to Buy More Affordable Ford Focus RS Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a summary of the data illustrated above.

• Consumers who may need more liability protection will pay about $410 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save up to $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Youthful drivers are expensive to insure, possibly costing $479 each month if full coverage is included