Ford Focus ST Insurance Rates

The average insurance rates for a Ford Focus ST are $1,132 a year for full coverage insurance. Comprehensive costs an estimated $194 a year, collision costs $306, and liability insurance is estimated at $474. Buying just liability costs approximately $522 a year, with insurance for high-risk drivers costing around $2,444. 16-year-old drivers cost the most to insure at $4,472 a year or more.

Average premium for full coverage: $1,132

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Prices are averaged for all 50 states and Focus ST trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why it is important to get quotes for a targeted area, rather than relying on rate averages.

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

Insurance Rate Analysis

The chart below illustrates estimated Ford Focus ST insurance rates for other coverage scenarios.

• The best full coverage rate is $673
• Choosing higher $1,000 deductibles can save approximately $1,016 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,132
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,348
• High-risk insureds with multiple tickets or accidents could pay up to $2,444 or more
• Policy cost that insures a teen driver can cost as much as $4,472 each year

View Chart as Image

Insurance rates for a Ford Focus ST also range considerably based on the trim level of your Focus ST, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,300 to $1,900 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 128% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $4,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Focus ST insurance rates. A good driver about age 40 could pay as low as $740 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,530 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $340 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so the rates will be varied.

How to Find the Best Ford Focus ST Insurance

Finding cheaper rates on Ford Focus ST insurance takes being a safe driver, having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop at every policy renewal by quoting rates from direct insurance companies, and also from local insurance agencies.

Here is a brief recap of the data covered in the above illustrations.

• Drivers who want more liability insurance will pay around $520 annually to raise limits from a 30/60 limit to the 250/500 level
• It is possible to save approximately $130 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Young drivers are charged the highest rates, possibly costing $373 each month if full coverage is included