Ford Focus RS Insurance Rates

U.S. average insurance rates for a Ford Focus RS are $1,400 a year including full coverage. Comprehensive insurance costs around $270, collision insurance costs $516, and liability costs around $456. Buying just liability costs as low as $508 a year, and insurance for high-risk drivers costs $3,048 or more. 16-year-old drivers pay the highest rates at up to $5,330 a year.

Average premium for full coverage: $1,400

Price estimates for individual coverage:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Focus RS models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code, instead of using rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Ford Focus RS insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $803
• Using higher $1,000 deductibles will save about $176 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,400
• Buying pricier low deductibles for physical damage coverage will cost an additional $350 every year
• Drivers with multiple tickets or accidents could pay at least $3,048
• The price that insures a teen driver for full coverage can be $5,330 or more

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Insurance prices for a Ford Focus RS are also quite variable based on the model of your Focus RS, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. Ford Focus RS insurance for high-risk drivers can be as much as 43% to 135% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Ford Focus RS insurance prices. A driver around age 40 might see prices as low as $1,070 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,000 on average in Michigan, New York, and Louisiana.

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Opting for high physical damage deductibles could cut prices by as much as $530 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit

How to Find Cheaper Ford Focus RS Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and deciding if full coverage is necessary. Comparison shop at least once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

Below is a condensed summary of the primary concepts that were touched on in this article.

• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents may have to pay on average $1,650 more every year for auto insurance
• Increasing physical damage deductibles can save approximately $525 each year
• Teenage drivers are charged the highest prices, possibly costing $444 a month if comprehensive and collision insurance is included