Ford Focus ST Insurance Rates

Estimated insurance prices for a Ford Focus ST are $1,148 every 12 months for full coverage. Comprehensive costs approximately $198 a year, collision insurance costs $328, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,486. Teenage drivers pay the most at up to $4,524 a year.

Average premium for full coverage: $1,148

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Focus ST trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.

These rate differences show why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below shows average Ford Focus ST insurance rates for additional coverage and risk scenarios.

• The best discount rate is $681
• Using higher $1,000 deductibles will save $1,028 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,148
• Using low $100 deductibles for physical damage coverage increases the price to $1,378
• High-risk insureds who are prone to accidents and violations could pay around $2,486
• An auto insurance policy to insure a 16-year-old driver can cost $4,524 or more

View Chart as Image

Insurance prices for a Ford Focus ST also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Focus ST.

Using high physical damage deductibles could cut prices by as much as $350 annually, while buying higher liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $417 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,400 to $1,900 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 136% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Ford Focus ST insurance prices. A driver around age 40 might see prices as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Shop for the Best Ford Focus ST Insurance

Finding better rates on insurance for a Ford Focus ST requires being a low-risk driver, having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The items below are a brief recap of the data that was covered in the charts and tables above.

• Drivers can save around $130 per year just by quoting early and online
• Insureds who purchase more liability coverage will pay an extra $510 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are expensive to insure, as much as $377 per month if they have full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,340 more per year to insure their Focus ST