Ford Focus ST Insurance Rates

Average insurance rates for a Ford Focus ST are $1,148 a year for full coverage. Comprehensive costs approximately $198, collision insurance costs $328, and liability coverage costs $464. A policy with just liability insurance costs as little as $514 a year, and coverage for high-risk drivers costs around $2,486. 16-year-old drivers receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and for all Focus ST models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities. The example below illustrates the effect of geographic area on auto insurance prices.

These examples show why everyone should compare rates using their specific location, rather than using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $681
• Drivers who choose higher $1,000 deductibles will pay $120 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,148
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,378
• High-risk insureds with multiple tickets or accidents could pay around $2,486
• The cost that insures a teenage driver for full coverage can cost $4,524 a year

View Chart as Image

Insurance rates for a Ford Focus ST can also vary considerably based on the model of your Focus ST, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,400 to $1,900 additional per year, depending on your age. Ford Focus ST insurance for high-risk drivers can cost around 42% to 136% 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 only pay around $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live makes a big difference in Ford Focus ST insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $350 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Ford Focus ST Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unneeded coverage, and consideration of higher deductibles. Comparison shop at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief summary of the data covered in the above illustrations.

• Consumers who purchase more liability protection will pay around $510 each year to go from a minimum limit to the 250/500 level
• Drivers can save around $130 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $350 each year
• Youthful drivers are the costliest to insure, costing as high as $377 per month if comprehensive and collision insurance is included