Ford Focus ST Insurance Rates

The average insurance rates for a Ford Focus ST are $1,174 a year including full coverage. Comprehensive insurance costs an estimated $206 a year, collision insurance costs $350, and liability costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,540 or more. Teen drivers cost the most to insure at up to $4,598 a year.

Average premium for full coverage: $1,174

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Focus ST trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below breaks down average Ford Focus ST insurance rates for other coverage scenarios.

• The lowest rate with discounts is $693
• Drivers who choose higher $1,000 deductibles will pay approximately $1,046 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,174
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $242 annually
• Drivers with multiple violations and an at-fault accident could pay up to $2,540
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,598 a year

View Chart as Image

Insurance rates for a Ford Focus ST also range considerably based on your risk profile, the model of your Focus ST, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $4,500 a year. View Rates by Age

Your home state makes a big difference in Ford Focus ST insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,670 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $370 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than average. View High Risk Driver Rates

How to Find More Affordable Ford Focus ST Insurance

Finding cheaper rates on insurance for a Ford Focus ST not only requires being a safe and courteous driver, but also maintaining good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around at every policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a summary of the data touched on above.

• Insureds who want higher levels of liability will pay about $510 per year to go from a 30/60 limit to 250/500 limits
• You may be able to save approximately $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $375 each year
• Teenage drivers are charged the highest rates, with premiums being up to $383 each month for full coverage