Ford Focus RS Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance rates for a Ford Focus RS are $1,580 a year for full coverage. Comprehensive insurance costs approximately $362, collision insurance costs $688, and liability insurance costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs $3,424 or more. Teens pay the highest rates at up to $5,744 a year.

Average premium for full coverage: $1,580

Price estimates by individual coverage:

Comprehensive $362
Collision $688
Liability $372

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Focus RS models.

Price Range from Low to High

For the average driver, Ford Focus RS insurance prices range from the low end price of $438 for a discount liability-only rate to the much higher price of $3,424 for high-risk insurance.

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

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion. The example below illustrates how location impacts auto insurance prices.

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

The ranges above show why everyone should compare prices using their specific location, rather than relying on averaged prices.

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 shows average Ford Focus RS insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $893
  • Using higher $1,000 deductibles will save $238 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,580
  • Selecting pricier low deductibles for physical damage coverage will cost an additional $464 a year
  • Drivers with serious driving violations could pay around $3,424
  • The price that insures a teen driver for full coverage can cost $5,744 or more

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

Auto insurance prices for a Ford Focus RS are also quite variable based on the model of your Focus RS, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,900 to $2,500 in extra premium each year, depending on your age. Ford Focus RS insurance for high-risk drivers can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,700 a year. View Rates by Age

The state you live in has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see prices as low as $1,040 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,260 on average in New York, Louisiana, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $710 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $335 extra every year. View Rates by Deductible or Liability Limit

Ford Focus RS Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford Focus RS $270 $516 $456 $1,400

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 Find Low Cost Ford Focus RS Insurance

Getting lower rates on Ford Focus RS insurance requires avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Compare rates every couple of years by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The list below is a review of the material that was touched on above.

  • Drivers who purchase higher liability limits will pay approximately $410 each year to increase from a low limit to the 250/500 level
  • Teenagers have the highest car insurance prices, with premiums as much as $479 a month if the policy includes full coverage
  • High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,840 more per year for car insurance
  • Increasing physical damage deductibles can save approximately $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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles