Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year with full coverage. Comprehensive costs approximately $362 a year, collision insurance costs $688, and liability coverage costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers 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:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location, rather than using rate averages.

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

Rates by State, City, and Model

The chart below details 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 $1,342 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,580
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,044
• High-risk insureds with multiple tickets or accidents could pay around $3,424
• Policy cost that insures a teenage driver can cost $5,744 a year

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 habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,900 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision 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 teens with perfect driving records can expect to pay in the ballpark of $5,700 a year. View Rates by Age

Your home state makes a big difference in Ford Focus RS insurance rates. A 40-year-old driver could pay as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or at least $2,140 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $710 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit

How to Find Cheaper Ford Focus RS Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Comparison shop at least every other year by requesting rates from direct companies, and also from local insurance agencies.

The following list is a condensed summary of the car insurance concepts touched on in this article.

• Drivers with multiple at-fault accidents may have to pay on average $1,840 more per year than a safer driver
• You may be able to save around $200 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $700 each year
• Consumers who purchase an increased level of liability coverage will pay around $410 every year to go from a 30/60 limit to the 250/500 level