Ford Focus RS Insurance Rates

The average auto insurance rates for a Ford Focus RS are $1,580 annually for full coverage. Comprehensive costs approximately $362 each year, collision insurance costs $688, and liability coverage is $372. A liability-only policy costs around $438 a year, and high-risk insurance 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:

Rate estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than congested cities. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using rate averages.

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 and risk scenarios.

• The best full coverage rate is $893
• Raising to $1,000 deductibles will save $238 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,580
• Buying low deductibles will cost $2,044
• Unlucky drivers with multiple tickets or accidents could pay around $3,424
• Policy cost with full coverage for a teenage driver can cost $5,744

View Chart as Image

Car insurance rates for a Ford Focus RS also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,900 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $710 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $335 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Ford Focus RS insurance rates. A middle-age driver might find rates 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 Buy the Best Ford Focus RS Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief recap of the car insurance concepts covered above.

• Drivers who tend to receive serious violations pay on average $1,840 more per year to buy Ford Focus RS insurance
• Drivers can save around $200 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Consumers who purchase increased levels of liability coverage will pay around $410 each year to raise from a 30/60 limit to higher 250/500 limits