Ford Focus ST 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

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: May 4, 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 prices for a Ford Focus ST are $1,174 every 12 months for full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $350, and liability coverage is estimated at $460. A policy with just liability insurance costs approximately $510 a year, and coverage for high-risk drivers costs $2,540 or more. 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:

Comprehensive $206
Collision $350
Liability $460

Rates are based on $500 deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Focus ST models.

Price Range from Low to High

For the average 40-year-old driver, Ford Focus ST insurance prices range from the cheapest price of $510 for minimum levels of liability insurance to the much higher price of $2,540 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,174
High Risk $2,540

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Rural locations have more infrequent accident claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The ranges above show why everyone should get quotes using their specific location and their own driving history, rather than using rate averages.

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

  • The best full coverage rate is $693
  • Choosing higher $1,000 deductibles can save $128 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $1,174
  • Buying pricier low deductibles for comp and collision coverage costs an extra $242 each year
  • Drivers with multiple tickets or accidents could pay around $2,540
  • The price to insure a teenage driver for full coverage can cost $4,598 each year

View Chart as Image

Ford Focus ST insurance cost comparison chart
Column chart showing Ford Focus ST insurance prices range from $693 to $4,598 for full coverage

Insurance prices for a Ford Focus ST are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Focus ST.

Opting for high physical damage deductibles can save as much as $370 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 extra each year, depending on your age. Ford Focus ST insurance for high-risk drivers ranges around 43% to 133% more than the average rate. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Focus ST insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,670 on average in New York, Louisiana, and Michigan.

Ford Focus ST Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $900 -$274 -23.3%
Arizona $974 -$200 -17.0%
Arkansas $1,174 -$0 0.0%
California $1,336 $162 13.8%
Colorado $1,122 -$52 -4.4%
Connecticut $1,204 $30 2.6%
Delaware $1,326 $152 12.9%
Florida $1,466 $292 24.9%
Georgia $1,082 -$92 -7.8%
Hawaii $842 -$332 -28.3%
Idaho $794 -$380 -32.4%
Illinois $872 -$302 -25.7%
Indiana $882 -$292 -24.9%
Iowa $790 -$384 -32.7%
Kansas $1,114 -$60 -5.1%
Kentucky $1,600 $426 36.3%
Louisiana $1,734 $560 47.7%
Maine $724 -$450 -38.3%
Maryland $968 -$206 -17.5%
Massachusetts $938 -$236 -20.1%
Michigan $2,036 $862 73.4%
Minnesota $982 -$192 -16.4%
Mississippi $1,404 $230 19.6%
Missouri $1,040 -$134 -11.4%
Montana $1,260 $86 7.3%
Nebraska $926 -$248 -21.1%
Nevada $1,406 $232 19.8%
New Hampshire $846 -$328 -27.9%
New Jersey $1,312 $138 11.8%
New Mexico $1,040 -$134 -11.4%
New York $1,236 $62 5.3%
North Carolina $674 -$500 -42.6%
North Dakota $960 -$214 -18.2%
Ohio $810 -$364 -31.0%
Oklahoma $1,204 $30 2.6%
Oregon $1,074 -$100 -8.5%
Pennsylvania $1,118 -$56 -4.8%
Rhode Island $1,566 $392 33.4%
South Carolina $1,062 -$112 -9.5%
South Dakota $990 -$184 -15.7%
Tennessee $1,028 -$146 -12.4%
Texas $1,414 $240 20.4%
Utah $868 -$306 -26.1%
Vermont $802 -$372 -31.7%
Virginia $704 -$470 -40.0%
Washington $908 -$266 -22.7%
West Virginia $1,074 -$100 -8.5%
Wisconsin $812 -$362 -30.8%
Wyoming $1,044 -$130 -11.1%

View Chart as Image

Ford Focus ST insurance rates by U.S. city
Ford Focus ST Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Ford Focus ST $206 $350 $460 $1,174
2013 Ford Focus ST $180 $284 $474 $1,096

Rates are averaged for all Ford Focus ST models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Best Cheap Ford Focus ST Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Make time to compare rates once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the data that was touched on in this article.

  • Drivers can save around $140 per year just by quoting online well ahead of the renewal date
  • Consumers who purchase higher liability limits will pay around $510 each year to raise limits from a low limit to a 250/500 level
  • Teens are expensive to insure, with premiums as much as $383 a month if they have full coverage
  • Drivers with a DUI or reckless driving violation may pay on average $1,370 more per year for Focus ST insurance

Rates by Driver Age

Ford Focus ST Insurance Rates by Driver Age
Driver Age Premium
16 $4,598
20 $2,708
30 $1,206
40 $1,174
50 $1,074
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus ST Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,302
$500 $1,174
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus ST Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,266
100/300 $1,381
250/500 $1,680
100 CSL $1,312
300 CSL $1,565
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus ST Insurance Rates for High Risk Drivers
Age Premium
16 $6,516
20 $4,316
30 $2,578
40 $2,540
50 $2,430
60 $2,408

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 $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $79
5-yr Claim Free $75
Paid in Full/EFT $48
Advance Quote $55
Online Quote $81
Total Discounts $481
Rate after discounts $693

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

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles