Ford Focus ST Insurance Rates

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Compare 2013 Ford Focus ST Car Insurance Quotes in 2025

Looking for cheaper auto insurance rates for your Ford Focus ST? No one in their right mind looks forward to buying auto insurance, especially when they know they could get a better deal. Drivers have so many insurance companies to choose from, and even though it's nice to have a choice, it makes it harder to find the best rates. Consumers should take time to take a look at other company's rates ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: May 4, 2024

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Average insurance rates for a Ford Focus ST are $1,174 a year including full coverage. Comprehensive costs approximately $206 each year, collision costs $350, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,540. 16-year-old drivers receive the highest rates at $4,598 a year or more.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Comprehensive $206
Collision $350
Liability $460

These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Focus ST models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from as low as $510 for just liability insurance to a high rate of $2,540 for a driver who requires high-risk insurance.

Liability Only $510
Full Coverage $1,174
High Risk $2,540

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

These examples highlight why all drivers should compare rates quotes using their specific location and risk profile, instead of using rate 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.

More Rate Details

The chart below breaks down estimated Ford Focus ST insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $693
  • Raising to $1,000 deductibles will save $128 every year
  • The average rate for a 40-year-old driver who chooses $500 deductibles is $1,174
  • Buying low deductibles will increase the cost to $1,416
  • At-risk drivers with multiple tickets or accidents could pay around $2,540 or more
  • The cost for full coverage for a teen driver can cost $4,598

View Chart as Image

Ford Focus ST insurance cost comparison chart
Column chart showing full coverage Ford Focus ST insurance rates range from $693 to $4,598

Car insurance rates for a Ford Focus ST can also vary considerably based on your driver profile, the model of your Focus ST, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $4,500 a year. View Rates by Age

Where you live also has a big influence on Ford Focus ST insurance prices. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,670 on average in Louisiana, New York, and Michigan.

Ford Focus ST Insurance Rates by State
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%

View Chart as Image

Ford Focus ST insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $370 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,400 to $2,000 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.

Ford Focus ST Insurance Rates by Model Year
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 Cheap Ford Focus ST Insurance

Saving money on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The list below is a brief summary of the concepts that were covered in the charts and tables above.

  • Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,370 more per year for car insurance
  • Teenagers pay the highest auto insurance rates, as much as $383 per month if full coverage is included
  • You may be able to save around $140 per year simply by quoting online in advance
  • Increasing deductibles can save around $375 each year
  • You may be able to save around $140 per year simply by quoting online in advance

Rates by Driver Age

Ford Focus ST Insurance 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

Ford Focus ST Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,302
$500 $1,174
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus ST Insurance Rates with Different Liability Limits
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

Ford Focus ST Insurance 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.

SR-22 Surcharge $162

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
Rate after discounts $693

Discounts are estimated and may not be available from every company or in every state.

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