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...
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UPDATED: May 4, 2024
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Average auto insurance rates for a Ford Focus ST are $1,148 annually for full coverage. Comprehensive costs an estimated $198, collision insurance costs $328, and liability is estimated at $464. A policy with just liability insurance costs approximately $514 a year, and coverage for high-risk drivers costs around $2,486. Teenage drivers receive the highest rates at up to $4,524 a year.
Average premium for full coverage: $1,148
Rate estimates broken down by individual coverage type:
Price estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Focus ST trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as cheap as $514 for your basic liability-only policy to a much higher rate of $2,486 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The price range example below illustrates how geographic area affects insurance prices.
These examples show why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using 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 Information
The chart below shows average Ford Focus ST insurance rates for other coverage scenarios.
- The best discount rate is $681
- Choosing higher $1,000 deductibles can save approximately $120 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,148
- Using more expensive low deductibles for comp and collision coverage will cost $1,378
- Unlucky drivers who are prone to accidents and violations could pay up to $2,486
- The cost with full coverage for a teen driver with full coverage can cost as much as $4,524 each year
Insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your driver profile, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,400 to $1,900 additional per year, depending on your age. High-risk driver insurance ranges as much as 42% to 136% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $350 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Ford Focus ST insurance prices. A good driver about age 40 could pay as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, 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% |
| 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 Cheaper Ford Focus ST Insurance
Saving money on car insurance takes having a good driving record, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest the time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a condensed summary of the car insurance concepts presented in the illustrations above.
- Higher risk drivers with multiple at-fault accidents may pay on average $1,340 more annually to buy Ford Focus ST insurance
- Drivers can save approximately $130 per year just by shopping early and online
- Increasing deductibles could save up to $350 each year
- Policyholders who want increased levels of liability coverage will pay an extra $510 each year to raise limits from a minimum limit to higher 250/500 limits
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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