Ford Focus ST Insurance Rates

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UPDATED: May 4, 2024

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U.S. average insurance rates for a Ford Focus ST are $1,174 a year for full coverage insurance. Comprehensive costs around $206, collision insurance costs $350, and liability insurance costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs around $2,540. Teens pay the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Comprehensive $206
Collision $350
Liability $460

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Focus ST trim levels.

Price Range from Low to High

For the average driver, Ford Focus ST insurance prices range from the low end price of $510 for basic liability insurance to a much higher rate of $2,540 for a driver that may need high-risk insurance.

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

Geographic Price Range

Your location has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location impacts auto insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on averaged prices.

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.

Rate Comparisons

The chart below illustrates average Ford Focus ST insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $693
  • Drivers who choose higher $1,000 deductibles will pay about $128 each year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,174
  • Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,416
  • High risk drivers with serious driving violations could pay at least $2,540
  • The price that insures a teen driver with full coverage can be $4,598 a year

View Chart as Image

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

Insurance prices for a Ford Focus ST are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $4,500 a year. View Rates by Age

The state you live in makes a big difference in Ford Focus ST insurance rates. A 40-year-old driver could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,580 on average in Michigan, New York, and Florida.

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

Choosing higher comprehensive and collision insurance deductibles could save up to $370 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

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

Getting lower rates on Ford Focus ST insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare rates once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a brief summary of the data that was touched on above.

  • It is possible to save up to $140 per year just by shopping early and online
  • Drivers who may need additional liability coverage will pay approximately $510 annually to go from a low limit to the 250/500 level
  • 16 to 18-year-old drivers pay higher prices, as much as $383 a month if full coverage is included
  • High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,370 more every year than a driver with a clean driving record

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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