Ford Focus RS Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 22, 2024
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The average insurance prices for a Ford Focus RS are $1,580 every 12 months including full coverage. Comprehensive insurance costs approximately $362 a year, collision insurance costs $688, and liability costs around $372. Liability-only coverage costs as low 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 by type of insurance:
Rate estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Focus RS trim levels.
Price Range Variability
For a driver in their 40's, Ford Focus RS insurance rates range from the cheapest price of $438 for your basic liability-only policy to a high of $3,424 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
The examples above highlight why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below breaks down average Ford Focus RS insurance rates for additional coverage and risk scenarios.
- The best discount rate is $893
- Using higher $1,000 deductibles will save $1,342 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,580
- Using low $100 deductibles for physical damage coverage costs an extra $464 annually
- High-risk insureds who are prone to accidents and violations could pay around $3,424
- Policy cost to insure a 16-year-old driver can cost $5,744 or more
Insurance rates for a Ford Focus RS also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Focus RS.
Using high physical damage deductibles could cut rates by as much as $710 annually, while buying higher liability limits will push rates upward. Changing 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
Older drivers with no violations or accidents and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher 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 are likely paying anywhere from $1,900 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than a normal policy. View High Risk Driver Rates
Your home state has a huge impact on Ford Focus RS insurance prices. A driver around age 40 might see rates as low as $1,210 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,260 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,430 | -$150 | -9.5% |
| Alaska | $1,214 | -$366 | -23.2% |
| Arizona | $1,310 | -$270 | -17.1% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,802 | $222 | 14.1% |
| Colorado | $1,510 | -$70 | -4.4% |
| Connecticut | $1,624 | $44 | 2.8% |
| Delaware | $1,790 | $210 | 13.3% |
| Florida | $1,980 | $400 | 25.3% |
| Georgia | $1,458 | -$122 | -7.7% |
| Hawaii | $1,136 | -$444 | -28.1% |
| Idaho | $1,070 | -$510 | -32.3% |
| Illinois | $1,178 | -$402 | -25.4% |
| Indiana | $1,190 | -$390 | -24.7% |
| Iowa | $1,066 | -$514 | -32.5% |
| Kansas | $1,502 | -$78 | -4.9% |
| Kentucky | $2,156 | $576 | 36.5% |
| Louisiana | $2,340 | $760 | 48.1% |
| Maine | $976 | -$604 | -38.2% |
| Maryland | $1,306 | -$274 | -17.3% |
| Massachusetts | $1,266 | -$314 | -19.9% |
| Michigan | $2,746 | $1,166 | 73.8% |
| Minnesota | $1,324 | -$256 | -16.2% |
| Mississippi | $1,894 | $314 | 19.9% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,698 | $118 | 7.5% |
| Nebraska | $1,248 | -$332 | -21.0% |
| Nevada | $1,894 | $314 | 19.9% |
| New Hampshire | $1,140 | -$440 | -27.8% |
| New Jersey | $1,768 | $188 | 11.9% |
| New Mexico | $1,400 | -$180 | -11.4% |
| New York | $1,666 | $86 | 5.4% |
| North Carolina | $910 | -$670 | -42.4% |
| North Dakota | $1,292 | -$288 | -18.2% |
| Ohio | $1,090 | -$490 | -31.0% |
| Oklahoma | $1,624 | $44 | 2.8% |
| Oregon | $1,448 | -$132 | -8.4% |
| Pennsylvania | $1,510 | -$70 | -4.4% |
| Rhode Island | $2,108 | $528 | 33.4% |
| South Carolina | $1,432 | -$148 | -9.4% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,386 | -$194 | -12.3% |
| Texas | $1,904 | $324 | 20.5% |
| Utah | $1,170 | -$410 | -25.9% |
| Vermont | $1,082 | -$498 | -31.5% |
| Virginia | $948 | -$632 | -40.0% |
| Washington | $1,222 | -$358 | -22.7% |
| West Virginia | $1,448 | -$132 | -8.4% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,408 | -$172 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford Focus RS | $258 | $464 | $460 | $1,340 |
Rates are averaged for all Ford Focus RS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Ford Focus RS Insurance
Finding cheaper rates on insurance for a Ford Focus RS requires avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a brief recap of the ideas that were covered in the charts and tables above.
- Teenagers are the costliest to insure, with premiums being up to $479 each month if full coverage is included
- Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,840 more per year for car insurance
- Increasing comprehensive and collision deductibles could save as much as $700 each year
- You may be able to save around $200 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,744 |
| 20 | $3,656 |
| 30 | $1,662 |
| 40 | $1,580 |
| 50 | $1,442 |
| 60 | $1,414 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,044 |
| $250 | $1,828 |
| $500 | $1,580 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,654 |
| 100/300 | $1,747 |
| 250/500 | $1,989 |
| 100 CSL | $1,692 |
| 300 CSL | $1,896 |
| 500 CSL | $2,045 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,228 |
| 20 | $5,814 |
| 30 | $3,512 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $77 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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