Ford Focus ST Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 4, 2024

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Average insurance rates for a Ford Focus ST are $1,218 a year with full coverage. Comprehensive costs approximately $220 a year, collision costs $380, and liability costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,638. Teen drivers receive the highest rates at $4,740 a year or more.

Average premium for full coverage: $1,218

Rate estimates by individual coverage type:

Comprehensive $220
Collision $380
Liability $460

Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Focus ST trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range go from the low end price of $510 for just the minimum liability insurance to a high of $2,638 for a driver who has had serious violations or accidents.

Liability Only $510
Full Coverage $1,218
High Risk $2,638

Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

Rural Areas $914
Small Cities $1,279
Large Cities $1,644

These examples demonstrate why it is important to compare prices using their specific location, instead of making a decision based on price averages.

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 Analysis

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

  • The lowest rate with discounts is $712
  • Using higher $1,000 deductibles will save $1,080 annually
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,218
  • Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,480
  • High-risk insureds with multiple violations and an at-fault accident could pay around $2,638 or more
  • The cost that insures a 16-year-old driver can cost $4,740 or more

View Chart as Image

Ford Focus ST insurance cost comparison chart
Column chart showing full coverage Ford Focus ST insurance rates range from $712 to $4,740

Auto insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy can be from 42% to 137% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you live has a huge impact on Ford Focus ST insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,650 on average in New York, Michigan, and Florida.

Ford Focus ST Insurance Rates by State
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%

View Chart as Image

Ford Focus ST insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $400 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

Ford Focus ST Insurance Rates by Model Year
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 Find the Best Cheap Ford Focus ST Insurance

Saving money on insurance for a Ford Focus ST requires being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Shop around every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a quick review of the ideas that were covered in the charts and tables above.

  • Teenage drivers have the highest car insurance rates, with premiums as much as $395 per month if the policy includes full coverage
  • Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,420 more per year for auto insurance
  • Increasing deductibles can save approximately $400 each year
  • You may be able to save around $140 per year simply by quoting early and online

Rates by Driver Age

Ford Focus ST Insurance 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

Ford Focus ST Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,480
$250 $1,358
$500 $1,218
$1,000 $1,080

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus ST Insurance Rates with Different Liability Limits
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

Ford Focus ST Insurance 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.

SR-22 Surcharge $169

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
Rate after discounts $712

Discounts are estimated and may not be available from every company or in every state.

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