Ford Focus ST Insurance Rates
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Michelle Robbins
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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...
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UPDATED: May 4, 2024
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The average insurance rates for a Ford Focus ST are $1,174 a year with full coverage. Comprehensive costs an estimated $206 a year, collision insurance costs $350, and liability insurance costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,540. Teen drivers cost the most to insure at up to $4,598 a year.
Average premium for full coverage: $1,174
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Focus ST trim levels.
Price Range Variability
For an average driver, Ford Focus ST insurance rates range from the low end price of $510 for a discount liability-only rate to a high of $2,540 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on insurance prices.
The examples above demonstrate why it is important to compare rates for a targeted area, rather than relying on price averages.
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.
Rates by State, City, and Model
The chart below details average Ford Focus ST insurance rates for other coverage scenarios.
- The lowest rate with discounts is $693
- Drivers who choose higher $1,000 deductibles will pay approximately $1,046 annually
- The estimated price for a good driver age 40 who has $500 deductibles is $1,174
- Choosing low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,416
- High risk drivers with multiple violations and an at-fault accident could pay up to $2,540
- Policy cost that insures a teen driver can cost as much as $4,598 a year
Car insurance rates for a Ford Focus ST also range considerably based on the trim level of your Focus ST, your age and driving habits, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you may be forking out $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $4,500 a year. View Rates by Age
Your home state makes a big difference in Ford Focus ST insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,580 on average in New York, Michigan, 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% |
Choosing high deductibles could save up to $370 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Cheapest Ford Focus ST Insurance
Finding cheaper rates on Ford Focus ST insurance not only requires avoiding accidents and claims, but also having a positive credit history, not filing small claims, and possibly higher deductibles. Shop around at least once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The points below are a recap of the primary concepts that were covered in the above illustrations.
- You may be able to save approximately $140 per year just by quoting early and online
- High-risk drivers that have major violations or accidents could be forced to pay on average $1,370 more annually to insure a Ford Focus ST
- Increasing comprehensive and collision deductibles can save approximately $375 each year
- Drivers under the age of 20 have the highest car insurance rates, as much as $383 each month if full coverage is purchased
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.
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