Ford Focus ST Insurance Rates

Average insurance prices for a Ford Focus ST are $1,148 every 12 months for full coverage insurance. Comprehensive costs an estimated $198 each year, collision insurance costs $328, and liability insurance costs around $464. A liability-only policy costs as low as $514 a year, and high-risk insurance costs around $2,486. Teen drivers receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than larger metro areas. The graphic below illustrates how your location can change insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $681
• Using higher $1,000 deductibles will save approximately $120 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,148
• Choosing low deductibles for physical damage coverage increases the price to $1,378
• Drivers with multiple violations and an at-fault accident could pay up to $2,486
• The cost to insure a teen driver can cost as much as $4,524 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $350 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay at least $4,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 136% more than average. View High Risk Driver Rates

Where you live has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see rates as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

How to Shop for Cheap Ford Focus ST Insurance

Saving money on Ford Focus ST insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the car insurance concepts illustrated above.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,340 more annually to insure a Ford Focus ST
• It is possible to save approximately $130 per year just by quoting online in advance
• Increasing deductibles could save as much as $350 each year
• Drivers who want increased liability limits will pay about $510 annually to increase from a minimum limit to a 250/500 level