1. Vehicles
  2. Ford
  3. Focus ST
  4. 2015 Model Year

2015 Ford Focus ST Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 2, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2015 Ford Focus ST are $1,298 a year for full coverage. Comprehensive insurance costs on average $238 each year, collision costs $450, and liability costs around $452. Buying a liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,820 or more. Teen drivers receive the highest rates at $4,998 a year or more.

Annual premium for full coverage: $1,298

Rate estimates for 2015 Ford Focus ST Insurance

Comprehensive $238
Collision $450
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Ford Focus ST models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for just liability coverage to a high rate of $2,820 for a high risk driver.

Liability Only $504
Full Coverage $1,298
High Risk $2,820

View Chart as Image

2015 Ford Focus ST insurance rates compared
Column chart showing 2015 Ford Focus ST insurance prices range from $752 to $4,998 for full coverage

These differences show why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2015 Ford Focus ST Insurance

Searching Companies

Having to pay for overpriced Ford Focus ST insurance can overdraw your personal savings and make it impossible to make ends meet. Comparison shopping is a great way to tighten up your finances. Insurance companies such as Allstate and Progressive continually bombard you with TV and radio ads and it can be hard to see past the geckos and flying pigs and do the work needed to find the best deal.

It’s important to check auto insurance prices quite often because rates change regularly. Just because you had the best deal on Focus ST insurance a year ago you will most likely find a better rate today. Block out anything you think you know about auto insurance because we’re going to demonstrate the tricks you need to know to find great coverage at a great price.

If you are insured now or need new coverage, you can use these tips to find better prices and still get good coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the most effective way to compare prices online.

Don’t pay full price with these discounts

The cost of insuring your cars can be expensive, but there are discounts available that you may not know about. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for before being credited. If you’re not getting every credit you qualify for, you’re just leaving money on the table.

  • Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Memberships – Participating in a professional or civic organization is a good way to get lower rates when shopping for car insurance on Focus ST insurance.
  • Paperless Signup – Some insurance companies give back up to $50 for buying a policy and signing up online.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Discount for Life Insurance – Companies who offer life insurance give better rates if you take out life insurance.
  • Bundle and Save – If you have multiple policies with one company you will save approximately 10% to 15%.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.

It’s important to understand that most discounts do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce the amount you have to pay.

For a list of insurance companies with the best car insurance discounts, click here.

Comprehensive Car Insurance Comparison

All the larger car insurance companies give coverage price quotes directly from their websites. Getting online rates doesn’t take much effort as you simply enter your coverage information as requested by the quote form. After you complete the form, the company’s rating system automatically orders information on your driving record and credit history and generates a price based on many factors. Online quotes streamlines rate comparisons, but the process of having to visit many different websites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step if you are searching for a better rate.

Isn’t there an easier way to compare rates?

A less time-consuming method to find lower prices uses one simple form that gets prices from more than one company. This type of form saves time, reduces the work, and makes online shopping much more efficient. As soon as the form is sent, it gets priced and you can select your choice of the quote results.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The entire process takes less than 15 minutes and may result in a nice savings.

If you want to fill out one form to compare multiple rates now, click here to open in new window and fill out the form. If you currently have coverage, we recommend you enter your coverages identical to your current policy. Using the same limits helps guarantee you’re receiving a price comparison for exact coverage.

Ford Focus ST rates are complex

Consumers need to have an understanding of the different types of things that play a part in calculating car insurance rates. Understanding what determines base rates allows you to make educated decisions that can help you get better car insurance rates.

  • Liability coverage is cheap – Liability insurance is the protection in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Credit scores impact car insurance rates – Credit score is a big factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could be paying less to insure your 2015 Ford Focus ST by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with poor credit.
  • Don’t get talked into coverage you don’t need – There are a ton of additional coverages that can waste your money when buying car insurance. Insurance for vanishing deductibles, accident forgiveness and membership fees may be costing you every month. These coverages may sound good initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Equipment add-ons that lower car insurance rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Do you qualify for a multi-policy discount? – The majority of car insurance companies give discounts to policyholders who carry more than one policy in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Careful drivers pay lower rates – Your driving citation history has a huge affect on how much you pay. Just one citation may increase your cost twenty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to file a SR-22 with their state DMV in order to keep their license.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Your personal situation dictates your coverage

When it comes to choosing coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover whether you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • When should I not file a claim?
  • What is high-risk coverage and where do I buy it?
  • What if I owe more than I can insure my car for?
  • Do I need roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Car insurance 101

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on the average auto insurance policy.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Ford Focus ST.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits do not exceed the liability coverage limits.

Auto liability insurance

This protects you from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as bail bonds, repair costs for stationary objects, medical services, legal defense fees and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, hail damage, vandalism and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

This coverage will pay to fix damage to your Focus ST caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as chiropractic care, EMT expenses, X-ray expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Shop around and save

While you’re price shopping online, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where an insured dropped collision coverage only to regret that it was a big mistake. The proper strategy is to find the BEST coverage at an affordable rate.

Low-cost 2015 Ford Focus ST insurance is definitely available online as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance providers don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

To learn more, feel free to visit these articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Ford Focus ST Insurance Rates by City
City Premium
New York City, NY $2,052
Los Angeles, CA $2,217
Philadelphia, PA $1,733
Jacksonville, FL $1,884
Phoenix, AZ $1,506
Chicago, IL $1,739
Houston, TX $2,036
Seattle, WA $1,263
Columbus, OH $1,084
Indianapolis, IN $1,103

Rates by Driver Age

2015 Ford Focus ST Insurance Rates by Driver Age
Driver Age Premium
16 $4,998
20 $3,012
30 $1,342
40 $1,298
50 $1,188
60 $1,166

Full coverage, $500 deductibles

Rates by Deductible

2015 Ford Focus ST Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,602
$250 $1,462
$500 $1,298
$1,000 $1,142

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus ST Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,298
50/100 $1,388
100/300 $1,501
250/500 $1,795
100 CSL $1,434
300 CSL $1,682
500 CSL $1,863

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Ford Focus ST Insurance Rates for High Risk Drivers
Age Premium
16 $7,112
20 $4,800
30 $2,870
40 $2,820
50 $2,696
60 $2,674

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 $183

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $93
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $63
Online Quote $91
Total Discounts $546
Rate after discounts $752

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

Find companies with the cheapest rates in your area

2015 Ford Focus ST Insurance Rates by State
State Premium
Alabama $1,174
Alaska $994
Arizona $1,076
Arkansas $1,298
California $1,478
Colorado $1,240
Connecticut $1,336
Delaware $1,468
Florida $1,624
Georgia $1,198
Hawaii $932
Idaho $878
Illinois $966
Indiana $976
Iowa $876
Kansas $1,232
Kentucky $1,772
Louisiana $1,922
Maine $802
Maryland $1,068
Massachusetts $1,038
Michigan $2,254
Minnesota $1,086
Mississippi $1,554
Missouri $1,150
Montana $1,392
Nebraska $1,024
Nevada $1,556
New Hampshire $936
New Jersey $1,450
New Mexico $1,150
New York $1,368
North Carolina $748
North Dakota $1,064
Ohio $896
Oklahoma $1,332
Oregon $1,188
Pennsylvania $1,238
Rhode Island $1,732
South Carolina $1,176
South Dakota $1,096
Tennessee $1,136
Texas $1,566
Utah $960
Vermont $890
Virginia $778
Washington $1,002
West Virginia $1,188
Wisconsin $900
Wyoming $1,156

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles