Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year for full coverage insurance. Comprehensive insurance costs an estimated $362 each year, collision costs $688, and liability coverage costs $372. Liability-only coverage costs as little as $438 a year, with high-risk coverage costing $3,424 or more. Teenage drivers cost the most to insure at $5,744 a year or more.

Average premium for full coverage: $1,580

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Focus RS models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below illustrates estimated Ford Focus RS insurance rates for other coverage scenarios.

• The best discount rate is $893
• Drivers who choose higher $1,000 deductibles will pay approximately $238 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,580
• Using low deductibles for comprehensive and collision insurance will cost an extra $464 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,424 or more
• Policy cost for full coverage for a teenage driver can cost as much as $5,744 a year

View Chart as Image

Insurance rates for a Ford Focus RS also range considerably based on your risk profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $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 $1,030 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,140 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $710 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,900 to $2,500 additional every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

How to Find Cheap Ford Focus RS Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the primary concepts that were covered above.

• It is possible to save approximately $200 per year simply by quoting online in advance
• Drivers that tend to have accidents or serious violations pay on average $1,840 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $700 each year
• Youthful drivers are expensive to insure, possibly costing $479 each month including comprehensive and collision insurance