Ford Focus ST Insurance Rates

U.S. average insurance rates for a Ford Focus ST are $1,148 a year for full coverage insurance. Comprehensive insurance costs around $198 each year, collision insurance costs $328, and liability costs around $464. A policy with just liability insurance costs as low as $514 a year, and coverage for high-risk drivers costs $2,486 or more. Teens pay the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Price estimates for individual coverage:

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Focus ST models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

The ranges above illustrate why all drivers should compare prices for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

The chart below illustrates average Ford Focus ST insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $681
• Using higher $1,000 deductibles will save about $120 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,148
• Selecting low deductibles for physical damage coverage will cost an additional $230 every year
• Drivers with serious driving violations could pay at least $2,486
• The price that insures a teen driver can be $4,524 or more

View Chart as Image

Insurance prices for a Ford Focus ST are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 136% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age

The state you live in has a huge impact on Ford Focus ST insurance prices. A driver around age 40 might see prices as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $350 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Ford Focus ST Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare rates once a year by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below is a brief summary of the data that was illustrated above.

• It is possible to save up to $130 per year just by quoting online in advance
• Policyholders who may need higher levels of liability will pay approximately $510 annually to increase from a low limit to the 250/500 level
• Teenage drivers pay higher prices, as much as $377 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,340 more every year for auto insurance