Ford Focus ST Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 4, 2024
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Estimated insurance rates for a Ford Focus ST are $1,174 a year with full coverage. Comprehensive insurance costs around $206, collision costs $350, and liability is $460. A policy with only liability insurance costs around $510 a year, with a high-risk policy costing $2,540 or more. Teenage drivers pay the most at $4,598 a year or more.
Average premium for full coverage: $1,174
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different Focus ST trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Ford Focus ST go from as low as $510 for minimum levels of liability insurance to a much higher rate of $2,540 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and risk profile, instead of using average rates.
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 details estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The best discount rate is $693
- Raising to $1,000 deductibles will save about $128 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,174
- Using more expensive low deductibles will cost an extra $242 every year
- At-risk drivers who are prone to accidents and violations could pay at least $2,540 or more
- An auto insurance policy for full coverage for a teen driver with full coverage can be $4,598
Car insurance prices for a Ford Focus ST also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
An older driver with no driving violations and high deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $4,500 a year. View Rates by Age
Where you choose to live also has a big influence on Ford Focus ST insurance prices. A middle-age driver might find prices as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,580 on average in Florida, Michigan, and New York.
| 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% |
Using high physical damage deductibles can reduce prices by up to $370 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,400 to $2,000 extra annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.
| 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 Find the Best Ford Focus ST Insurance
Finding better rates on car insurance consists of being a good driver, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a brief recap of the data that was illustrated above.
- You may be able to save up to $140 per year simply by shopping early and online
- Policyholders who may need an increased level of liability coverage will pay an extra $510 every year to raise from 30/60 bodily injury limits to 250/500 limits
- Drivers age 16 to 20 are the costliest to insure, possibly costing $383 per month if full coverage is included
- Higher risk drivers who tend to receive serious violations pay an average of $1,370 more every year than a safer driver
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,046 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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