Ford Focus ST Insurance Rates

U.S. average insurance prices for a Ford Focus ST are $1,148 every 12 months with full coverage. Comprehensive insurance costs an estimated $198 each year, collision insurance costs $328, and liability coverage is estimated at $464. Liability-only insurance costs approximately $514 a year, and high-risk driver insurance costs $2,486 or more. Teenage drivers pay the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Price estimates broken down by individual coverage:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and Focus ST models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

The ranges above demonstrate why all drivers should get quotes for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $681
• Choosing higher $1,000 deductibles can save approximately $120 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,148
• Using low deductibles for comp and collision coverage costs an extra $230 each year
• Drivers who are prone to accidents and violations could pay up to $2,486
• The price to insure a teenage driver can cost as much as $4,524 each year

View Chart as Image

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

Using high physical damage deductibles can save as much as $350 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,400 to $1,900 extra each year, depending on your age. Insurance for high-risk drivers ranges around 42% to 136% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Ford Focus ST insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

How to Shop for More Affordable Ford Focus ST Insurance

Getting lower rates on auto insurance takes not taking risks behind the wheel, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a summary of the data touched on in the above illustrations.

• Consumers who want higher liability limits will pay an extra $510 every year to raise limits from a low limit to a 250/500 level
• You may be able to save approximately $130 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $350 each year
• Teens have the highest car insurance prices, costing up to $377 a month if the policy includes full coverage