Ford Focus ST Insurance Rates
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UPDATED: May 4, 2024
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The average insurance prices for a Ford Focus ST are $1,218 every 12 months for full coverage insurance. Comprehensive costs approximately $220, collision insurance costs $380, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, and high-risk driver insurance costs around $2,638. Teens cost the most to insure at up to $4,740 a year.
Average premium for full coverage: $1,218
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Focus ST trim levels.
Price Range Variability
Using a middle-aged driver as an example, Ford Focus ST insurance rates range from the cheapest price of $510 for basic liability insurance to a much higher rate of $2,638 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how where you live affects auto insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, 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.
Rate Comparisons
The chart below illustrates average Ford Focus ST insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $712
- Using higher $1,000 deductibles will save $138 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,218
- Selecting more expensive low deductibles for physical damage coverage increases the price to $1,480
- Higher-risk drivers with serious driving violations could pay around $2,638
- Policy cost to insure a teenage driver with full coverage can cost $4,740 or more
Auto insurance rates for a Ford Focus ST also range considerably based on liability limits and deductibles, your risk profile, and the model of your Focus ST.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $400 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance can be around 42% to 137% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see rates as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,650 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$116 | -9.5% |
| Alaska | $932 | -$286 | -23.5% |
| Arizona | $1,010 | -$208 | -17.1% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,386 | $168 | 13.8% |
| Colorado | $1,164 | -$54 | -4.4% |
| Connecticut | $1,252 | $34 | 2.8% |
| Delaware | $1,378 | $160 | 13.1% |
| Florida | $1,522 | $304 | 25.0% |
| Georgia | $1,122 | -$96 | -7.9% |
| Hawaii | $874 | -$344 | -28.2% |
| Idaho | $824 | -$394 | -32.3% |
| Illinois | $906 | -$312 | -25.6% |
| Indiana | $916 | -$302 | -24.8% |
| Iowa | $820 | -$398 | -32.7% |
| Kansas | $1,156 | -$62 | -5.1% |
| Kentucky | $1,662 | $444 | 36.5% |
| Louisiana | $1,802 | $584 | 47.9% |
| Maine | $752 | -$466 | -38.3% |
| Maryland | $1,006 | -$212 | -17.4% |
| Massachusetts | $976 | -$242 | -19.9% |
| Michigan | $2,116 | $898 | 73.7% |
| Minnesota | $1,020 | -$198 | -16.3% |
| Mississippi | $1,458 | $240 | 19.7% |
| Missouri | $1,078 | -$140 | -11.5% |
| Montana | $1,308 | $90 | 7.4% |
| Nebraska | $962 | -$256 | -21.0% |
| Nevada | $1,462 | $244 | 20.0% |
| New Hampshire | $878 | -$340 | -27.9% |
| New Jersey | $1,362 | $144 | 11.8% |
| New Mexico | $1,078 | -$140 | -11.5% |
| New York | $1,284 | $66 | 5.4% |
| North Carolina | $700 | -$518 | -42.5% |
| North Dakota | $996 | -$222 | -18.2% |
| Ohio | $842 | -$376 | -30.9% |
| Oklahoma | $1,252 | $34 | 2.8% |
| Oregon | $1,116 | -$102 | -8.4% |
| Pennsylvania | $1,162 | -$56 | -4.6% |
| Rhode Island | $1,624 | $406 | 33.3% |
| South Carolina | $1,102 | -$116 | -9.5% |
| South Dakota | $1,028 | -$190 | -15.6% |
| Tennessee | $1,066 | -$152 | -12.5% |
| Texas | $1,468 | $250 | 20.5% |
| Utah | $900 | -$318 | -26.1% |
| Vermont | $834 | -$384 | -31.5% |
| Virginia | $730 | -$488 | -40.1% |
| Washington | $944 | -$274 | -22.5% |
| West Virginia | $1,116 | -$102 | -8.4% |
| Wisconsin | $842 | -$376 | -30.9% |
| Wyoming | $1,086 | -$132 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $220 | $380 | $460 | $1,218 |
| 2013 Ford Focus ST | $194 | $306 | $474 | $1,132 |
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 Shop for Affordable Ford Focus ST Insurance
Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, being claim-free, and possibly higher deductibles. Take the time to comparison shop at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The next list is a brief review of the car insurance concepts touched on in the above illustrations.
- Drivers with DUI or reckless driving convictions may have to pay on average $1,420 more per year to buy Ford Focus ST insurance
- It is possible to save around $140 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- Consumers who purchase increased levels of liability coverage will pay approximately $510 annually to increase from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,740 |
| 20 | $2,812 |
| 30 | $1,254 |
| 40 | $1,218 |
| 50 | $1,114 |
| 60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,480 |
| $250 | $1,358 |
| $500 | $1,218 |
| $1,000 | $1,080 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,310 |
| 100/300 | $1,425 |
| 250/500 | $1,724 |
| 100 CSL | $1,356 |
| 300 CSL | $1,609 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,724 |
| 20 | $4,484 |
| 30 | $2,680 |
| 40 | $2,638 |
| 50 | $2,522 |
| 60 | $2,500 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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