Ford Focus ST Insurance Rates
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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
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U.S. average insurance rates for a Ford Focus ST are $1,148 a year including full coverage. Comprehensive insurance costs around $198 each year, collision costs $328, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, with coverage for high-risk drivers costing $2,486 or more. 16-year-old drivers pay the highest rates at $4,524 a year or more.
Average premium for full coverage: $1,148
Price estimates for individual coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Focus ST models.
Price Range from Low to High
For a driver in their 40's, Ford Focus ST insurance prices go from as low as $514 for basic liability insurance to a high rate of $2,486 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than congested cities.
The graphic below illustrates how location helps determine auto insurance rates.
The ranges above highlight why all drivers should get quotes for a specific zip code and risk profile, instead of making a decision based on 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.
Rate Comparisons
The chart below breaks down estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $681
- Choosing higher $1,000 deductibles can save about $120 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,148
- Buying low deductibles for comp and collision coverage will cost an extra $230 annually
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,486 or more
- The price for full coverage for a 16-year-old driver can be $4,524 each year
Insurance prices for a Ford Focus ST are also quite variable based on your driving record, the model of your Focus ST, and deductibles and policy limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay as much as $4,500 a year. View Rates by Age
The state you live in plays a big part in determining prices for Ford Focus ST insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,640 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$108 | -9.4% |
| Alaska | $880 | -$268 | -23.3% |
| Arizona | $954 | -$194 | -16.9% |
| Arkansas | $1,148 | -$0 | 0.0% |
| California | $1,310 | $162 | 14.1% |
| Colorado | $1,098 | -$50 | -4.4% |
| Connecticut | $1,182 | $34 | 3.0% |
| Delaware | $1,300 | $152 | 13.2% |
| Florida | $1,436 | $288 | 25.1% |
| Georgia | $1,058 | -$90 | -7.8% |
| Hawaii | $824 | -$324 | -28.2% |
| Idaho | $776 | -$372 | -32.4% |
| Illinois | $856 | -$292 | -25.4% |
| Indiana | $864 | -$284 | -24.7% |
| Iowa | $776 | -$372 | -32.4% |
| Kansas | $1,090 | -$58 | -5.1% |
| Kentucky | $1,566 | $418 | 36.4% |
| Louisiana | $1,700 | $552 | 48.1% |
| Maine | $708 | -$440 | -38.3% |
| Maryland | $948 | -$200 | -17.4% |
| Massachusetts | $920 | -$228 | -19.9% |
| Michigan | $1,994 | $846 | 73.7% |
| Minnesota | $960 | -$188 | -16.4% |
| Mississippi | $1,376 | $228 | 19.9% |
| Missouri | $1,018 | -$130 | -11.3% |
| Montana | $1,232 | $84 | 7.3% |
| Nebraska | $906 | -$242 | -21.1% |
| Nevada | $1,376 | $228 | 19.9% |
| New Hampshire | $826 | -$322 | -28.0% |
| New Jersey | $1,284 | $136 | 11.8% |
| New Mexico | $1,018 | -$130 | -11.3% |
| New York | $1,208 | $60 | 5.2% |
| North Carolina | $662 | -$486 | -42.3% |
| North Dakota | $940 | -$208 | -18.1% |
| Ohio | $792 | -$356 | -31.0% |
| Oklahoma | $1,180 | $32 | 2.8% |
| Oregon | $1,052 | -$96 | -8.4% |
| Pennsylvania | $1,094 | -$54 | -4.7% |
| Rhode Island | $1,532 | $384 | 33.4% |
| South Carolina | $1,040 | -$108 | -9.4% |
| South Dakota | $970 | -$178 | -15.5% |
| Tennessee | $1,006 | -$142 | -12.4% |
| Texas | $1,384 | $236 | 20.6% |
| Utah | $850 | -$298 | -26.0% |
| Vermont | $788 | -$360 | -31.4% |
| Virginia | $686 | -$462 | -40.2% |
| Washington | $886 | -$262 | -22.8% |
| West Virginia | $1,052 | -$96 | -8.4% |
| Wisconsin | $796 | -$352 | -30.7% |
| Wyoming | $1,024 | -$124 | -10.8% |
Opting for high physical damage deductibles can save as much as $350 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges from 42% to 136% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the prices may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $198 | $328 | $464 | $1,148 |
| 2013 Ford Focus ST | $174 | $258 | $478 | $1,068 |
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 Find the Best Cheap Ford Focus ST Insurance
Getting lower rates on insurance for a Ford Focus ST takes being a good driver, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a quick review of the data covered in the charts and tables above.
- Insureds who may need an increased level of liability coverage will pay around $510 per year to raise limits from a low limit to 250/500 limits
- You may be able to save up to $130 per year simply by quoting online in advance
- Increasing physical damage deductibles can save around $350 each year
- Drivers age 16 to 20 pay higher prices, possibly costing $377 a month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,524 |
| 20 | $2,648 |
| 30 | $1,178 |
| 40 | $1,148 |
| 50 | $1,052 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,378 |
| $250 | $1,272 |
| $500 | $1,148 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,148 |
| 50/100 | $1,241 |
| 100/300 | $1,357 |
| 250/500 | $1,658 |
| 100 CSL | $1,287 |
| 300 CSL | $1,542 |
| 500 CSL | $1,728 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,404 |
| 20 | $4,222 |
| 30 | $2,520 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,356 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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