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 a year, collision insurance costs $688, and liability insurance costs around $372. Buying just liability costs as low as $438 a year, and insurance for high-risk drivers costs around $3,424. Teens 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 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance prices.

The examples above show why it is important to compare prices 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 shows average Ford Focus RS insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $893
• Using higher $1,000 deductibles will save $1,342 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,580
• Selecting low $100 deductibles for physical damage coverage will cost $2,044
• Drivers with serious driving violations could pay around $3,424
• Policy cost with full coverage for a teen driver can cost $5,744 or more

View Chart as Image

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.

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, 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 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. A high-risk auto insurance policy can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $710 each year, while buying higher 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 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see rates as low as $1,040 a year in states like Iowa, Maine, and Idaho, or have to pay 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 Ford Focus RS insurance requires being a safe and courteous driver, having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a brief recap of the ideas that were illustrated above.

• Teenage drivers are expensive to insure, costing up to $479 each month including comprehensive and collision insurance
• High-risk drivers who tend to receive serious violations pay on average $1,840 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save up to $700 each year
• Drivers can save around $200 per year just by quoting early and online