Ford Focus RS Insurance Rates

Average auto insurance rates for a Ford Focus RS are $1,580 annually for full coverage insurance. Comprehensive costs approximately $362 a year, collision insurance costs $688, and liability insurance is $372. A liability-only policy costs around $438 a year, and high-risk insurance costs around $3,424. Teens receive the highest rates at up to $5,744 a year.

Average premium for full coverage: $1,580

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Focus RS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.

These examples illustrate why it is important to compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $893
• Raising to $1,000 deductibles will save $1,342 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,580
• Selecting low $100 deductibles will cost $2,044
• Higher-risk drivers with serious driving violations could pay around $3,424
• The cost with full coverage for a teen driver can cost $5,744

View Chart as Image

Insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, your risk profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $710 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

How to Buy More Affordable Ford Focus RS Insurance

Saving money on Ford Focus RS insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a summary of the data illustrated above.

• Drivers who purchase more liability coverage will pay approximately $410 annually to raise from a minimum limit to higher 250/500 limits
• It is possible to save around $200 per year just by quoting early and online
• Increasing deductibles could save up to $700 each year
• Teen drivers are expensive to insure, costing up to $479 per month including comprehensive and collision insurance