Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year for full coverage insurance. Comprehensive costs around $362 a year, collision insurance costs $688, and liability coverage costs around $372. Liability-only coverage costs as low as $438 a year, and high-risk coverage costs around $3,424. Teen 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:

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code, rather than using price averages.

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

More Rate Details

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

• The lowest rate with discounts is $893
• Using higher $1,000 deductibles will save about $1,342 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,580
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $2,044
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,424
• Policy cost that insures a teenage driver can be $5,744 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,900 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest 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 has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,140 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $710 a year, while buying higher liability limits will increase rates. Switching 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 the Right Ford Focus RS Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and deciding if full coverage is necessary. Shop around at every other renewal by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a quick rundown of the concepts that were touched on above.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,840 more every year for Focus RS insurance
• Teens are charged the highest rates, possibly costing $479 each month if comprehensive and collision insurance is included
• It is possible to save up to $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• It is possible to save up to $200 per year just by quoting early and online