Ford Focus ST Insurance Rates

U.S. average insurance rates for a Ford Focus ST are $1,174 a year including full coverage. Comprehensive costs on average $206, collision insurance costs $350, and liability coverage costs around $460. A policy with just liability insurance costs as low as $510 a year, and coverage for high-risk drivers costs around $2,540. Teen drivers pay the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Focus ST trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using price averages.

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

Additional Rate Analysis

The chart below breaks down average Ford Focus ST insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $693
• Using higher $1,000 deductibles will save around $128 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,174
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $1,416
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,540
• The price for full coverage for a teenage driver with full coverage may cost $4,598 or more

View Chart as Image

Insurance prices for a Ford Focus ST are also quite variable based on your driving record, the model of your Focus ST, and policy deductibles and limits.

An older driver with a clean driving record and high deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age

The state you live in has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see prices as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,670 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $370 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be around 43% to 133% more than average. View High Risk Driver Rates

How to Find Affordable Ford Focus ST Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates every year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief review of the coverage data presented in the illustrations above.

• You may be able to save as much as $140 per year just by shopping early and online
• Increasing physical damage deductibles can save around $375 each year
• Teenage drivers pay the highest prices, possibly costing $383 a month for full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,370 more each year for auto insurance