Ford Focus ST Insurance Rates
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Michelle Robbins
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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 with full coverage. Comprehensive costs around $198, collision insurance costs $328, and liability coverage is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs around $2,486. Teens receive the highest rates at up to $4,524 a year.
Average premium for full coverage: $1,148
Rate estimates for individual coverage type:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for all Focus ST models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as cheap as $514 for the bare minimum liability coverage to the much higher price of $2,486 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using 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.
Additional Rate Information
The chart below details average Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $681
- Raising to $1,000 deductibles will save about $120 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,148
- Selecting pricier low deductibles will cost $1,378
- Unlucky drivers with serious driving violations could pay at least $2,486
- The cost with full coverage for a teenage driver for full coverage can be $4,524
Car insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your driving record, and deductibles and policy limits.
A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $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 at least $1,400 to $1,900 extra per year, depending on your age. Ford Focus ST insurance for high-risk drivers is expensive and can cost around 42% to 136% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $350 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Ford Focus ST insurance rates. A middle-age driver might find rates as low as $830 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,550 on average in Florida, Michigan, and New York.
| 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 More Affordable Ford Focus ST Insurance
Saving money on auto insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every other policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following list is a summary of the ideas that were touched on in this article.
- Drivers age 16 to 20 are the costliest to insure, with premiums as much as $377 per month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may pay on average $1,340 more every year than a safer driver
- Increasing deductibles could save up to $350 each year
- You may be able to save up to $130 per year just by quoting online well ahead of the renewal date
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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