Ford Focus ST Insurance Rates
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Michelle Robbins
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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 on average $206 a year, collision costs $350, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing around $2,540. Teenage drivers cost the most to insure at $4,598 a year or more.
Average premium for full coverage: $1,174
Policy rates by type of insurance:
Prices include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and 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 minimum levels of liability insurance to a high of $2,540 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities.
The diagram below illustrates how location helps determine car insurance rates.
The examples above demonstrate why it is important to compare rates quotes based on a specific location 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.
Additional Rate Details
The chart below details estimated Ford Focus ST insurance rates for different risk profiles and scenarios.
- The best discount rate is $693
- Raising to $1,000 deductibles will save around $1,046 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,174
- Using low $100 deductibles will increase the cost to $1,416
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,540 or more
- Policy cost for full coverage for a teen driver may cost $4,598
Auto insurance rates for a Ford Focus ST also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $4,500 a year. View Rates by Age
Your home state also has a big influence on Ford Focus ST insurance rates. A middle-age driver might find rates as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,580 on average in Florida, Michigan, and New York.
| 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 can reduce rates by up to $370 each year, while buying higher liability limits will cost you more. Moving 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 may be forking out at a minimum $1,400 to $2,000 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied 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 the Right Ford Focus ST Insurance
Finding cheaper rates on Ford Focus ST insurance consists of being a good driver, having good credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates at least every other year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The following list is a quick rundown of the car insurance concepts covered in the charts and tables above.
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,370 more each year than a safer driver
- You may be able to save as much as $140 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $375 each year
- Drivers who require an increased level of liability coverage will pay an extra $510 every year to raise from a 30/60 limit to 250/500 limits
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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