Ford Focus ST Insurance Rates

The average insurance rates for a Ford Focus ST are $1,148 a year for full coverage. Comprehensive costs on average $198 each year, collision insurance costs $328, and liability costs $464. Liability-only coverage costs as little as $514 a year, and high-risk coverage costs around $2,486. Teenage drivers cost the most to insure at up to $4,524 a year.

Average premium for full coverage: $1,148

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

The examples above show why all drivers should compare rates based on a specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below shows average Ford Focus ST insurance rates for different risk profiles and scenarios.

• The best discount rate is $681
• Drivers who choose higher $1,000 deductibles will pay around $120 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,148
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,378
• Drivers who are prone to accidents and violations could pay upwards of $2,486
• Policy cost that insures a 16-year-old driver may cost $4,524 a year

View Chart as Image

Insurance rates for a Ford Focus ST also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,400 to $1,900 additional every year, depending on your age. Insurance for high-risk drivers can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $4,500 a year. View Rates by Age

Your home state makes a big difference in Ford Focus ST insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,640 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $350 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

How to Find the Right Ford Focus ST Insurance

Finding cheaper rates on insurance for a Ford Focus ST not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at least once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a quick rundown of the primary concepts that were covered in the charts and tables above.

• Drivers can save as much as $130 per year just by quoting online in advance
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,340 more each year to insure a Ford Focus ST
• Increasing comprehensive and collision deductibles can save approximately $350 each year
• Drivers under the age of 20 pay higher rates, costing up to $377 each month if comprehensive and collision insurance is included