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 $1,148 a year including full coverage. Comprehensive costs on average $198, collision costs $328, and liability coverage is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing around $2,486. Teens pay the most at $4,524 a year or more.
Average premium for full coverage: $1,148
Premium estimates by type of coverage:
Prices are based on $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Focus ST models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Ford Focus ST go from as low as $514 for just the minimum liability insurance to the much higher price of $2,486 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates how geographic area affects car insurance rates.
These rate differences highlight why everyone should get quotes based on a specific location and risk profile, rather than using averaged prices.
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 Analysis
The chart below breaks down estimated Ford Focus ST insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $681
- Choosing higher $1,000 deductibles can save around $120 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,148
- Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,378
- Drivers with serious driving violations could pay upwards of $2,486 or more
- An auto insurance policy for full coverage for a teenage driver for full coverage may cost $4,524 each year
Insurance prices for a Ford Focus ST also have a wide range based on your driving characteristics, the model of your Focus ST, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford Focus ST insurance rates. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or have to pay 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $350 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Ford Focus ST insurance for high-risk drivers ranges around 42% to 136% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, so the prices will be substantially 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 Affordable Ford Focus ST Insurance
Finding better rates on auto insurance takes having a good driving record, maintaining good credit, refrain from filing small claims, and bundling your home and auto policies. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a brief review of the data presented in the illustrations above.
- Consumers who require increased levels of liability coverage will pay approximately $510 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
- You may be able to save as much as $130 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $350 each year
- Drivers age 20 and younger pay the highest prices, with the cost nearing $377 per 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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