Ford Focus RS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Estimated auto insurance rates for a Ford Focus RS are $1,580 annually with full coverage. Comprehensive costs approximately $362, collision costs $688, and liability costs $372. A policy with only liability insurance costs as little as $438 a year, with a high-risk policy costing around $3,424. Teenage drivers pay the most at $5,744 a year or more.
Average premium for full coverage: $1,580
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Focus RS trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford Focus RS go from as cheap as $438 for a discount liability-only rate to a much higher rate of $3,424 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities.
The price range example below illustrates how location impacts auto insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.
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.
Rates by State, City, and Model
The chart below details estimated Ford Focus RS insurance rates for additional coverage and risk scenarios.
- The best discount rate is $893
- Drivers who choose higher $1,000 deductibles will pay $238 annually
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,580
- Using more expensive low deductibles for comprehensive and collision insurance will cost $2,044
- Drivers who are prone to accidents and violations could pay around $3,424 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $5,744 a year
Car insurance prices for a Ford Focus RS also have a wide range based on the model of your Focus RS, your driving record, and physical damage deductibles and liability limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $710 annually, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to 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 be forced to pay as much as $2,140 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.
| 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
Finding better rates on insurance for a Ford Focus RS not only requires being a good driver, but also having a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around once a year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.
The following list is a summary of the data that was touched on above.
- You may be able to save around $200 per year simply by shopping early and online
- Insureds who purchase an increased level of liability coverage will pay an extra $410 every year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 16 to 20 pay the highest auto insurance prices, possibly costing $479 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,840 more per year than a safer driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,044 |
| $250 | $1,828 |
| $500 | $1,580 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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