Ford Focus ST Insurance Rates

Average insurance rates for a Ford Focus ST are $1,148 a year for full coverage insurance. Comprehensive insurance costs around $198, collision insurance costs $328, and liability coverage is $464. A liability-only policy costs around $514 a year, and high-risk insurance costs $2,486 or more. Teenage drivers receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Rate estimates for individual coverage type:

These estimates include $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Focus ST trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $681
• Raising to $1,000 deductibles will save about $120 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,148
• Using more expensive low deductibles will cost an additional $230 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,486
• The cost that insures a teenage driver with full coverage can be $4,524

View Chart as Image

Insurance rates for a Ford Focus ST can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age

Where you live also has a big influence on Ford Focus ST insurance rates. A middle-age driver might find rates as low as $750 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,550 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $350 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Ford Focus ST Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a brief summary of the primary concepts that were covered above.

• It is possible to save up to $130 per year just by shopping early and online
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,340 more every year for Focus ST insurance
• Increasing deductibles can save approximately $350 each year
• Teens pay higher rates, costing up to $377 per month if full coverage is included