Ford Focus ST Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
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.
Average insurance rates for a Ford Focus ST are $1,174 a year for full coverage insurance. Comprehensive insurance costs around $206 each year, collision costs $350, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing $2,540 or more. Teenage drivers receive the highest rates at $4,598 a year or more.
Average premium for full coverage: $1,174
Rate estimates for individual coverage type:
Estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Focus ST models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as low as $510 for just liability insurance to a high rate of $2,540 for a driver that may need high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how location helps determine auto insurance rates.
These examples illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on average rates.
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 Details
The chart below illustrates estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The best discount rate is $693
- Using higher $1,000 deductibles will save about $128 each year
- The average rate for a 40-year-old driver using $500 deductibles is $1,174
- Using low deductibles for physical damage coverage will cost an extra $242 a year
- Drivers who are prone to accidents and violations could pay at least $2,540 or more
- The cost for full coverage for a teen driver can be $4,598 or more
Insurance rates for a Ford Focus ST can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.
More mature drivers with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $4,500 a year. View Rates by Age
Where you live 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 be forced to pay as much as $1,580 on average in Michigan, New York, and Florida.
| 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% |
Using high physical damage deductibles could cut rates by as much as $370 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at least $1,400 to $2,000 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.
| 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 Low Cost Ford Focus ST Insurance
Saving money on Ford Focus ST insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates once a year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.
The next list is a review of the data that was covered in the charts and tables above.
- It is possible to save up to $140 per year simply by quoting online in advance
- Drivers who may need increased levels of liability coverage will pay an extra $510 annually to increase from a minimum limit to 250/500 limits
- Drivers age 20 and younger are charged the highest rates, costing up to $383 per month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,370 more every year to buy Ford Focus ST insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,046 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
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
Secured with SHA-256 Encryption
