Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year for full coverage. Comprehensive insurance costs around $362, collision insurance costs $688, and liability costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs $3,424 or more. Teenage drivers cost the most to insure at up to $5,744 a year.

Average premium for full coverage: $1,580

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Prices are averaged for all states and for all Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above show why everyone should compare rates for a specific zip code, instead of making a decision based on average rates.

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

More Rate Details

The chart below shows average Ford Focus RS insurance rates for additional coverage choices and driver risks.

• The best discount rate is $893
• Drivers who choose higher $1,000 deductibles will pay about $238 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,580
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $464 annually
• Drivers who are prone to accidents and violations could pay at least $3,424
• Policy cost that insures a 16-year-old driver for full coverage can be $5,744 a year

View Chart as Image

Insurance rates for a Ford Focus RS also range considerably based on the model of your Focus RS, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,900 to $2,500 additional every year, depending on your age. Ford Focus RS insurance for high-risk drivers can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,700 a year. View Rates by Age

Your home state makes a big difference in Ford Focus RS insurance prices. A 40-year-old driver could pay as low as $1,040 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,260 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $710 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

How to Find Cheap Ford Focus RS Insurance

Finding cheaper rates on insurance for a Ford Focus RS not only requires avoiding accidents and violations, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every year by obtaining price quotes from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the coverage data covered above.

• Drivers can save up to $200 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Teenagers are charged the highest rates, costing up to $479 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,840 more every year for car insurance