Ford Focus ST Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Compare 2013 Ford Focus ST Car Insurance Quotes in 2025

Looking for cheaper auto insurance rates for your Ford Focus ST? No one in their right mind looks forward to buying auto insurance, especially when they know they could get a better deal. Drivers have so many insurance companies to choose from, and even though it's nice to have a choice, it makes it harder to find the best rates. Consumers should take time to take a look at other company's rates ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 4, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance rates for a Ford Focus ST are $1,174 a year for full coverage insurance. Comprehensive costs around $206, collision costs $350, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,540. Teens cost the most to insure at $4,598 a year or more.

Average premium for full coverage: $1,174

Policy rates for type of insurance:

Comprehensive $206
Collision $350
Liability $460

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Focus ST trim levels.

Price Range Variability

For a driver in their 40's, Ford Focus ST insurance rates go from as low as $510 for basic liability insurance to a much higher rate of $2,540 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,174
High Risk $2,540

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance rates.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than 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.

Rate Comparisons

The chart below illustrates estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $693
  • Using higher $1,000 deductibles will save about $128 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,174
  • Selecting more expensive low deductibles for physical damage coverage will increase the cost to $1,416
  • Higher-risk drivers with serious driving violations could pay at least $2,540 or more
  • Policy cost for full coverage for a teenage driver with full coverage can be $4,598 or more

View Chart as Image

Ford Focus ST insurance cost comparison chart
Column chart showing full coverage Ford Focus ST insurance rates range from $693 to $4,598

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

An older driver with a good driving record and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age

Your home state has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,580 on average in Michigan, New York, and Florida.

Ford Focus ST Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,062 -$112 -9.5%
Alaska $900 -$274 -23.3%
Arizona $974 -$200 -17.0%
Arkansas $1,174 -$0 0.0%
California $1,336 $162 13.8%
Colorado $1,122 -$52 -4.4%
Connecticut $1,204 $30 2.6%
Delaware $1,326 $152 12.9%
Florida $1,466 $292 24.9%
Georgia $1,082 -$92 -7.8%
Hawaii $842 -$332 -28.3%
Idaho $794 -$380 -32.4%
Illinois $872 -$302 -25.7%
Indiana $882 -$292 -24.9%
Iowa $790 -$384 -32.7%
Kansas $1,114 -$60 -5.1%
Kentucky $1,600 $426 36.3%
Louisiana $1,734 $560 47.7%
Maine $724 -$450 -38.3%
Maryland $968 -$206 -17.5%
Massachusetts $938 -$236 -20.1%
Michigan $2,036 $862 73.4%
Minnesota $982 -$192 -16.4%
Mississippi $1,404 $230 19.6%
Missouri $1,040 -$134 -11.4%
Montana $1,260 $86 7.3%
Nebraska $926 -$248 -21.1%
Nevada $1,406 $232 19.8%
New Hampshire $846 -$328 -27.9%
New Jersey $1,312 $138 11.8%
New Mexico $1,040 -$134 -11.4%
New York $1,236 $62 5.3%
North Carolina $674 -$500 -42.6%
North Dakota $960 -$214 -18.2%
Ohio $810 -$364 -31.0%
Oklahoma $1,204 $30 2.6%
Oregon $1,074 -$100 -8.5%
Pennsylvania $1,118 -$56 -4.8%
Rhode Island $1,566 $392 33.4%
South Carolina $1,062 -$112 -9.5%
South Dakota $990 -$184 -15.7%
Tennessee $1,028 -$146 -12.4%
Texas $1,414 $240 20.4%
Utah $868 -$306 -26.1%
Vermont $802 -$372 -31.7%
Virginia $704 -$470 -40.0%
Washington $908 -$266 -22.7%
West Virginia $1,074 -$100 -8.5%
Wisconsin $812 -$362 -30.8%
Wyoming $1,044 -$130 -11.1%

View Chart as Image

Ford Focus ST insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 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 probably paying at least $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be around 43% to 133% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Each insurance company calculates rates differently, and quoted rates will be varied from one company to the next.

Ford Focus ST Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Ford Focus ST $206 $350 $460 $1,174
2013 Ford Focus ST $180 $284 $474 $1,096

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 the Right Ford Focus ST Insurance

Finding cheaper rates on auto insurance requires being a good driver, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a quick rundown of the concepts that were covered in the charts and tables above.

  • Drivers with reckless driving or DUI convictions may pay on average $1,370 more every year than a safer driver
  • Drivers age 16 to 20 are expensive to insure, possibly costing $383 each month if they have full coverage
  • It is possible to save up to $140 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $375 each year
  • It is possible to save up to $140 per year simply by shopping early and online

Rates by Driver Age

Ford Focus ST Insurance Rates by Driver Age
Driver Age Premium
16 $4,598
20 $2,708
30 $1,206
40 $1,174
50 $1,074
60 $1,052

Full coverage, $500 deductibles

Rates by Deductible

Ford Focus ST Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,302
$500 $1,174
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus ST Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,174
50/100 $1,266
100/300 $1,381
250/500 $1,680
100 CSL $1,312
300 CSL $1,565
500 CSL $1,749

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Focus ST Insurance Rates for High Risk Drivers
Age Premium
16 $6,516
20 $4,316
30 $2,578
40 $2,540
50 $2,430
60 $2,408

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $63
Homeowner $19
5-yr Accident Free $79
5-yr Claim Free $75
Paid in Full/EFT $48
Advance Quote $55
Online Quote $81
Total Discounts $481
Rate after discounts $693

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles