Ford Focus RS Insurance Rates

The average insurance prices for a Ford Focus RS are $1,580 every 12 months for full coverage. Comprehensive costs approximately $362, collision insurance costs $688, and liability coverage costs $372. Liability-only coverage costs as little as $438 a year, and high-risk coverage costs around $3,424. 16-year-old drivers cost the most to insure at up to $5,744 a year.

Average premium for full coverage: $1,580

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for different Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than using rate averages.

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

Additional Rate Details

The chart below shows average Ford Focus RS insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $893
• Drivers who choose higher $1,000 deductibles will pay $238 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,580
• Buying more expensive low deductibles for comprehensive and collision insurance increases the price to $2,044
• High-risk insureds with multiple tickets or accidents could pay around $3,424
• Policy cost to insure a teenage driver with full coverage can cost $5,744 a year

View Chart as Image

Insurance rates for a Ford Focus RS also range considerably based on liability limits and deductibles, your driver profile, and the model of your Focus RS.

Opting for high physical damage deductibles could save up to $710 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,500 additional every year, depending on your age. High-risk driver insurance can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

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

View Chart as Image

How to Shop for Low Cost Ford Focus RS Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a review of the primary concepts that were presented in the illustrations above.

• Drivers can save around $200 per year just by shopping early and online
• Drivers who have several accidents or serious violations may pay on average $1,840 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $700 each year
• Teenage drivers are the costliest to insure, costing up to $479 each month if full coverage is included