Ford Focus RS Insurance Rates

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UPDATED: Apr 22, 2024

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Average auto insurance rates for a Ford Focus RS are $1,580 annually with full coverage. Comprehensive insurance costs an estimated $362 a year, collision insurance costs $688, and liability costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $3,424 or more. Teenage drivers receive the highest rates at up to $5,744 a year.

Average premium for full coverage: $1,580

Rate estimates broken down by individual coverage type:

Comprehensive $362
Collision $688
Liability $372

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Focus RS trim levels.

Price Range by Coverage and Risk

For an average driver, prices range range from as cheap as $438 for minimum levels of liability insurance to a high of $3,424 for high-risk insurance.

Liability Only $438
Full Coverage $1,580
High Risk $3,424

Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,185
Small Cities $1,659
Large Cities $2,133

These examples demonstrate why it is important to compare rates for a targeted area 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.

Additional Rate Details

The chart below details average Ford Focus RS insurance rates for other coverage scenarios.

  • The best discount rate is $893
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,342 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,580
  • Using low $100 deductibles for comprehensive and collision insurance costs an additional $464 annually
  • Drivers who are prone to accidents and violations could pay up to $3,424
  • The cost with full coverage for a 16-year-old driver can cost as much as $5,744 a year

View Chart as Image

Ford Focus RS insurance cost comparison chart
Column chart showing Ford Focus RS insurance prices range from $893 to $5,744 for full coverage

Car insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, your driving record, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,900 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy 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 buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 extra every 12 months. 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 $1,140 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.

Ford Focus RS Insurance Rates by State
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%

View Chart as Image

Ford Focus RS insurance rates by U.S. city
Ford Focus RS Insurance Rates by Model Year
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 Cheap Ford Focus RS Insurance

Saving money on insurance for a Ford Focus RS not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a brief summary of the material that was covered in the above illustrations.

  • Insureds who want additional liability coverage will pay an extra $410 every year to go from a minimum limit to higher 250/500 limits
  • 16 to 18-year-old drivers have the highest car insurance rates, with premiums as much as $479 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,840 more annually than a driver with a clean driving record
  • Increasing deductibles could save up to $700 each year

Rates by Driver Age

Ford Focus RS Insurance 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

Ford Focus RS Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,044
$250 $1,828
$500 $1,580
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus RS Insurance Rates with Different Liability Limits
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

Ford Focus RS Insurance 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.

SR-22 Surcharge $222

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
Rate after discounts $893

Discounts are estimated and may not be available from every company or in every state.

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