Ford Focus RS Insurance Rates

Estimated insurance rates for a Ford Focus RS are $1,580 a year for full coverage insurance. Comprehensive costs an estimated $362 a year, collision insurance costs $688, and liability is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $3,424. Teenage drivers pay the most at up to $5,744 a year.

Average premium for full coverage: $1,580

Premium estimates broken down by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Focus RS trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

These rate differences illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates average Ford Focus RS insurance rates for other coverage scenarios.

• The best discount rate is $893
• Raising to $1,000 deductibles will save approximately $1,342 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,580
• Using low $100 deductibles will increase the cost to $2,044
• At-risk drivers who are prone to accidents and violations could pay up to $3,424
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,744

View Chart as Image

Auto insurance prices for a Ford Focus RS also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,700 a year. View Rates by Age

Where you choose to live also has a big influence on Ford Focus RS insurance prices. A middle-age driver might find prices as low as $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,140 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $710 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $335 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,900 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

How to Find Cheap Ford Focus RS Insurance

Finding better rates on car insurance consists of being safe and accident-free, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data touched on in the above illustrations.

• Policyholders who want more liability protection will pay an extra $410 annually to raise from 30/60 bodily injury limits to 250/500 limits
• It is possible to save approximately $200 per year just by quoting early and online
• Increasing policy deductibles can save around $700 each year
• Youthful drivers are the costliest to insure, with premiums being up to $479 per month if they have full coverage