Ford Focus RS Insurance Rates

U.S. average insurance rates for a Ford Focus RS are $1,580 a year with full coverage. Comprehensive costs an estimated $362, collision insurance costs $688, and liability is $372. Liability-only insurance costs around $438 a year, and high-risk driver insurance costs around $3,424. Teenage drivers pay the highest rates at up to $5,744 a year.

Average premium for full coverage: $1,580

Price estimates broken down by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Focus RS trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

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

• The best discount rate is $893
• Raising to $1,000 deductibles will save approximately $238 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,580
• Using more expensive low deductibles will increase the cost to $2,044
• At-risk drivers who are prone to accidents and violations could pay up to $3,424
• The price for full coverage for a teen driver with full coverage can cost as much as $5,744

View Chart as Image

Car insurance prices for a Ford Focus RS are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged at least $5,700 a year. View Rates by Age

The state you live in also has a big influence on Ford Focus RS insurance prices. A middle-age driver might find prices 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.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $710 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,900 to $2,500 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Cheaper Ford Focus RS Insurance

Getting lower rates on car insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest the time to compare rates every year by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a condensed summary of the coverage data presented in the illustrations above.

• You may be able to save approximately $200 per year just by shopping early and online
• Increasing physical damage deductibles can save around $700 each year
• 16 to 18-year-old drivers have the highest car insurance prices, costing up to $479 a month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,840 more annually than a driver with a clean driving record