Ford Focus ST Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 4, 2024
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U.S. average insurance rates for a Ford Focus ST are $1,148 a year for full coverage insurance. Comprehensive costs approximately $198, collision costs $328, and liability is $464. A policy with just liability insurance costs around $514 a year, with coverage for high-risk drivers costing around $2,486. Teens pay the highest rates at $4,524 a year or more.
Average premium for full coverage: $1,148
Price estimates by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Focus ST models.
Price Range from Low to High
For a driver around age 40, Ford Focus ST insurance prices go from the low end price of $514 for your basic liability-only policy to the much higher price of $2,486 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above illustrate why everyone should compare rates quotes using their specific location, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below illustrates estimated Ford Focus ST insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $681
- Raising to $1,000 deductibles will save $120 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,148
- Selecting pricier low deductibles bumps up the cost to $1,378
- At-risk drivers with serious driving violations could pay around $2,486 or more
- The price that insures a teen driver for full coverage can cost $4,524
Insurance prices for a Ford Focus ST are also quite variable based on the model of your Focus ST, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $1,900 extra each year, depending on your age. Ford Focus ST insurance for high-risk drivers is expensive and can cost as much as 42% to 136% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,500 a year. View Rates by Age
The state you live in also has a big influence on Ford Focus ST insurance prices. A middle-age driver might find prices as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,550 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$108 | -9.4% |
| Alaska | $880 | -$268 | -23.3% |
| Arizona | $954 | -$194 | -16.9% |
| Arkansas | $1,148 | -$0 | 0.0% |
| California | $1,310 | $162 | 14.1% |
| Colorado | $1,098 | -$50 | -4.4% |
| Connecticut | $1,182 | $34 | 3.0% |
| Delaware | $1,300 | $152 | 13.2% |
| Florida | $1,436 | $288 | 25.1% |
| Georgia | $1,058 | -$90 | -7.8% |
| Hawaii | $824 | -$324 | -28.2% |
| Idaho | $776 | -$372 | -32.4% |
| Illinois | $856 | -$292 | -25.4% |
| Indiana | $864 | -$284 | -24.7% |
| Iowa | $776 | -$372 | -32.4% |
| Kansas | $1,090 | -$58 | -5.1% |
| Kentucky | $1,566 | $418 | 36.4% |
| Louisiana | $1,700 | $552 | 48.1% |
| Maine | $708 | -$440 | -38.3% |
| Maryland | $948 | -$200 | -17.4% |
| Massachusetts | $920 | -$228 | -19.9% |
| Michigan | $1,994 | $846 | 73.7% |
| Minnesota | $960 | -$188 | -16.4% |
| Mississippi | $1,376 | $228 | 19.9% |
| Missouri | $1,018 | -$130 | -11.3% |
| Montana | $1,232 | $84 | 7.3% |
| Nebraska | $906 | -$242 | -21.1% |
| Nevada | $1,376 | $228 | 19.9% |
| New Hampshire | $826 | -$322 | -28.0% |
| New Jersey | $1,284 | $136 | 11.8% |
| New Mexico | $1,018 | -$130 | -11.3% |
| New York | $1,208 | $60 | 5.2% |
| North Carolina | $662 | -$486 | -42.3% |
| North Dakota | $940 | -$208 | -18.1% |
| Ohio | $792 | -$356 | -31.0% |
| Oklahoma | $1,180 | $32 | 2.8% |
| Oregon | $1,052 | -$96 | -8.4% |
| Pennsylvania | $1,094 | -$54 | -4.7% |
| Rhode Island | $1,532 | $384 | 33.4% |
| South Carolina | $1,040 | -$108 | -9.4% |
| South Dakota | $970 | -$178 | -15.5% |
| Tennessee | $1,006 | -$142 | -12.4% |
| Texas | $1,384 | $236 | 20.6% |
| Utah | $850 | -$298 | -26.0% |
| Vermont | $788 | -$360 | -31.4% |
| Virginia | $686 | -$462 | -40.2% |
| Washington | $886 | -$262 | -22.8% |
| West Virginia | $1,052 | -$96 | -8.4% |
| Wisconsin | $796 | -$352 | -30.7% |
| Wyoming | $1,024 | -$124 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $350 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $417 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company calculates prices differently, so the prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $198 | $328 | $464 | $1,148 |
| 2013 Ford Focus ST | $174 | $258 | $478 | $1,068 |
Rates are averaged for all Ford Focus ST models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Ford Focus ST Insurance
Getting lower rates on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and maximizing policy discounts. Compare rates every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.
The list below is a brief review of the information covered above.
- It is possible to save around $130 per year simply by quoting online well ahead of the renewal date
- Teenagers are expensive to insure, as much as $377 a month if full coverage is included
- Increasing physical damage deductibles can save approximately $350 each year
- Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,340 more per year for car insurance
- Policyholders who purchase higher liability limits will pay approximately $510 annually to raise from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,524 |
| 20 | $2,648 |
| 30 | $1,178 |
| 40 | $1,148 |
| 50 | $1,052 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,378 |
| $250 | $1,272 |
| $500 | $1,148 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,148 |
| 50/100 | $1,241 |
| 100/300 | $1,357 |
| 250/500 | $1,658 |
| 100 CSL | $1,287 |
| 300 CSL | $1,542 |
| 500 CSL | $1,728 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,404 |
| 20 | $4,222 |
| 30 | $2,520 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,356 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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