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 auto insurance rates for a Ford Focus ST are $1,148 annually for full coverage. Comprehensive insurance costs on average $198, collision insurance costs $328, and liability costs around $464. Buying just liability costs as low as $514 a year, and insurance for high-risk drivers costs $2,486 or more. Teenage drivers receive the highest rates at up to $4,524 a year.
Average premium for full coverage: $1,148
Rate estimates by individual coverage type:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Focus ST trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $514 for just the minimum liability insurance to a much higher rate of $2,486 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.
These examples show why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based 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.
Additional Rate Analysis
The chart below shows average Ford Focus ST insurance rates for different risk profiles and scenarios.
- The best discount rate is $681
- Using higher $1,000 deductibles will save around $120 a year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,148
- Using more expensive low deductibles for physical damage coverage costs an additional $230 annually
- High-risk insureds who are prone to accidents and violations could pay upwards of $2,486
- The cost with full coverage for a 16-year-old driver with full coverage may cost $4,524 or more
Auto insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your driver profile, and policy deductibles and limits.
An older driver with a good driving record and high physical damage deductibles may pay as low as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,400 to $1,900 in extra premium per year, depending on your age. High-risk driver insurance can be from 42% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $350 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford Focus ST insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.
| 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% |
| 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 Buy the Best Cheap Ford Focus ST Insurance
Saving money on insurance for a Ford Focus ST requires being a good driver, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to compare rates once a year by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.
The following list is a quick review of the data that was covered in the above illustrations.
- Drivers can save as much as $130 per year just by shopping early and online
- Insureds who require an increased level of liability coverage will pay an extra $510 each year to increase from a minimum limit to higher 250/500 limits
- Drivers age 16 to 20 are charged the highest rates, costing as high as $377 per month if full coverage is included
- Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,340 more each year than a safer driver
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
