Ford Focus ST Insurance Rates

Average insurance rates for a Ford Focus ST are $1,174 a year for full coverage insurance. Comprehensive costs on average $206 a year, collision insurance costs $350, and liability insurance costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,540. 16-year-old drivers receive the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Focus ST trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than congested cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These examples illustrate why it is important to compare rates based on a specific location and risk profile, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates average Ford Focus ST insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $693
• Drivers who choose higher $1,000 deductibles will pay around $1,046 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,174
• Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,416
• High risk drivers with multiple tickets or accidents could pay upwards of $2,540
• The cost for full coverage for a teen driver may cost $4,598 a year

View Chart as Image

Auto insurance rates for a Ford Focus ST can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards 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 $770 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,580 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $370 each year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates

How to Find the Right Ford Focus ST Insurance

Saving money on Ford Focus ST insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to compare rates at least every other year by quoting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

Below you'll find a quick rundown of the car insurance concepts covered above.

• High-risk drivers with reckless driving or DUI convictions pay an average of $1,370 more each year than a low-risk driver
• It is possible to save as much as $140 per year just by quoting early and online
• Increasing deductibles can save around $375 each year
• Drivers who require more liability protection will pay around $510 annually to go from a minimum limit to 250/500 limits