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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Average auto insurance rates for a Ford Focus RS are $1,580 annually for full coverage insurance. Comprehensive insurance costs approximately $362, collision costs $688, and liability costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing $3,424 or more. Teen drivers receive the highest rates at $5,744 a year or more.
Average premium for full coverage: $1,580
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and for different Focus RS trim levels.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $438 for liability-only coverage to a much higher rate of $3,424 for a high-risk driver policy.
Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance prices.
These examples illustrate 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 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 illustrates estimated Ford Focus RS insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $893
- Drivers who choose higher $1,000 deductibles will pay $238 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,580
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $464 annually
- Drivers with multiple violations and an at-fault accident could pay around $3,424 or more
- The cost with full coverage for a 16-year-old driver with full coverage can cost $5,744 a year
Insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, your risk profile, and physical damage deductibles and liability limits.
An older driver with a clean 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 can expect to pay in the ballpark of $5,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,500 extra per year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $710 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more per 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 $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,140 on average in Florida, New York, and Michigan.
| 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 so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Every company uses a different rate calculation, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford Focus RS | $242 | $426 | $460 | $1,286 |
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 Low Cost Ford Focus RS Insurance
Saving money on insurance for a Ford Focus RS not only requires avoiding accidents and claims, but also having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The points below are a review of the information covered in the above illustrations.
- It is possible to save around $200 per year simply by shopping early and online
- Drivers under the age of 20 are expensive to insure, costing up to $479 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $700 each year
- Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,840 more per year to insure a Ford Focus RS
- Insureds who purchase increased liability limits will pay about $410 annually to go from a minimum limit to higher 250/500 limits
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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