Ford Focus ST Insurance Rates

U.S. average auto insurance rates for a Ford Focus ST are $1,174 annually including full coverage. Comprehensive costs approximately $206 a year, collision insurance costs $350, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,540. 16-year-old drivers pay the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Focus ST trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

The chart below breaks down average Ford Focus ST insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $693
• Using higher $1,000 deductibles will save $1,046 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,174
• Buying low $100 deductibles for physical damage coverage will cost $1,416
• Drivers with multiple tickets or accidents could pay around $2,540
• The price with full coverage for a teen driver can cost $4,598 or more

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $370 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy Affordable Ford Focus ST Insurance

Getting lower rates on Ford Focus ST insurance requires being safe and accident-free, having a good credit score, being claim-free, and attention to physical damage deductibles. Invest the time to shop around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below you'll find a brief review of the coverage data illustrated above.

• You may be able to save around $140 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $375 each year
• Youthful drivers pay the highest auto insurance prices, possibly costing $383 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,370 more per year than a low-risk driver