Ford Focus ST Insurance Rates

Average insurance rates for a Ford Focus ST are $1,174 a year with full coverage. Comprehensive costs approximately $206, collision insurance costs $350, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs around $2,540. Teen drivers receive the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Focus ST models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas. The example below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why everyone should compare rates using their specific location and risk profile, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $693
• Drivers who choose higher $1,000 deductibles will pay $128 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,174
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,416
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,540
• The cost for full coverage for a teen driver for full coverage can cost $4,598 a year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may pay as little as $1,100 per year 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 makes a big difference in Ford Focus ST insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,580 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $370 every year, whereas buying more liability protection will push rates upward. Moving 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 may be forking out anywhere from $1,400 to $2,000 extra per year, depending on your age. Ford Focus ST insurance for high-risk drivers can cost as much as 43% to 133% more than average. View High Risk Driver Rates

How to Find the Best Cheap Ford Focus ST Insurance

Saving money on car insurance not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates at every policy renewal by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a quick review of the data covered in the above illustrations.

• Policyholders who purchase additional liability coverage will pay about $510 every year to go from a minimum limit to 250/500 limits
• You may be able to save around $140 per year just by quoting online well ahead of the renewal date
• Increasing deductibles can save around $375 each year
• 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums as much as $383 per month if full coverage is included