Ford Focus ST Insurance Rates

Average auto insurance rates for a Ford Focus ST are $1,148 annually with full coverage. Comprehensive costs approximately $198 a year, collision insurance costs $328, and liability coverage is estimated at $464. A liability-only policy costs approximately $514 a year, and high-risk insurance costs around $2,486. Teen 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:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Focus ST trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas. The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details average Ford Focus ST insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $681
• Choosing higher $1,000 deductibles can save $1,028 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,148
• Choosing low $100 deductibles for comp and collision coverage will cost $1,378
• Drivers with multiple violations and an at-fault accident could pay around $2,486
• The cost with full coverage for a teenage driver can cost $4,524 each year

View Chart as Image

Insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your driving record, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,400 to $1,900 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $350 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Ford Focus ST insurance rates. A good driver about age 40 could pay as low as $830 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,550 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy the Right Ford Focus ST Insurance

Saving money on auto insurance takes being a good driver, having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting rates from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following list is a quick rundown of the primary concepts that were covered in the above illustrations.

• You may be able to save around $130 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions may pay on average $1,340 more per year than a safer driver
• Increasing deductibles could save up to $350 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $377 per month including comprehensive and collision insurance