Ford Focus RS Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 22, 2024
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Average auto insurance rates for a Ford Focus RS are $1,580 annually for full coverage. Comprehensive costs an estimated $362 each year, collision costs $688, and liability insurance costs $372. A liability-only policy costs as little as $438 a year, with high-risk insurance costing around $3,424. 16-year-old drivers receive the highest rates at $5,744 a year or more.
Average premium for full coverage: $1,580
Rate estimates broken down by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Focus RS models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from as cheap as $438 for your basic liability-only policy to a high rate of $3,424 for a high-risk driver policy.
Price Range by Location
Your location has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than congested cities.
The graphic below illustrates how your location can change insurance prices.
These examples show why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Ford Focus RS insurance rates for other coverage scenarios.
- The best full coverage rate is $893
- Drivers who choose higher $1,000 deductibles will pay approximately $238 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,580
- Buying low deductibles for comprehensive and collision insurance will cost $2,044
- High risk drivers with multiple tickets or accidents could pay up to $3,424 or more
- The cost with full coverage for a teen driver can cost as much as $5,744 a year
Insurance rates for a Ford Focus RS can also vary considerably based on the trim level of your Focus RS, your driver profile, and liability limits and deductibles.
More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,700 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,900 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $710 each year, whereas increasing liability limits will increase premiums. Going 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 makes a big difference in Ford Focus RS insurance rates. A 40-year-old driver could pay 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.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,430 | -$150 | -9.5% |
| Alaska | $1,214 | -$366 | -23.2% |
| Arizona | $1,310 | -$270 | -17.1% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,802 | $222 | 14.1% |
| Colorado | $1,510 | -$70 | -4.4% |
| Connecticut | $1,624 | $44 | 2.8% |
| Delaware | $1,790 | $210 | 13.3% |
| Florida | $1,980 | $400 | 25.3% |
| Georgia | $1,458 | -$122 | -7.7% |
| Hawaii | $1,136 | -$444 | -28.1% |
| Idaho | $1,070 | -$510 | -32.3% |
| Illinois | $1,178 | -$402 | -25.4% |
| Indiana | $1,190 | -$390 | -24.7% |
| Iowa | $1,066 | -$514 | -32.5% |
| Kansas | $1,502 | -$78 | -4.9% |
| Kentucky | $2,156 | $576 | 36.5% |
| Louisiana | $2,340 | $760 | 48.1% |
| Maine | $976 | -$604 | -38.2% |
| Maryland | $1,306 | -$274 | -17.3% |
| Massachusetts | $1,266 | -$314 | -19.9% |
| Michigan | $2,746 | $1,166 | 73.8% |
| Minnesota | $1,324 | -$256 | -16.2% |
| Mississippi | $1,894 | $314 | 19.9% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,698 | $118 | 7.5% |
| Nebraska | $1,248 | -$332 | -21.0% |
| Nevada | $1,894 | $314 | 19.9% |
| New Hampshire | $1,140 | -$440 | -27.8% |
| New Jersey | $1,768 | $188 | 11.9% |
| New Mexico | $1,400 | -$180 | -11.4% |
| New York | $1,666 | $86 | 5.4% |
| North Carolina | $910 | -$670 | -42.4% |
| North Dakota | $1,292 | -$288 | -18.2% |
| Ohio | $1,090 | -$490 | -31.0% |
| Oklahoma | $1,624 | $44 | 2.8% |
| Oregon | $1,448 | -$132 | -8.4% |
| Pennsylvania | $1,510 | -$70 | -4.4% |
| Rhode Island | $2,108 | $528 | 33.4% |
| South Carolina | $1,432 | -$148 | -9.4% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,386 | -$194 | -12.3% |
| Texas | $1,904 | $324 | 20.5% |
| Utah | $1,170 | -$410 | -25.9% |
| Vermont | $1,082 | -$498 | -31.5% |
| Virginia | $948 | -$632 | -40.0% |
| Washington | $1,222 | -$358 | -22.7% |
| West Virginia | $1,448 | -$132 | -8.4% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,408 | -$172 | -10.9% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Every company utilizes a different rate formula, so the rates can be significantly different between companies.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford Focus RS | $242 | $426 | $460 | $1,286 |
Rates are averaged for all Ford Focus RS models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Best Ford Focus RS Insurance
Saving money on Ford Focus RS insurance not only requires having a decent driving record, but also having a good credit history, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to shop around every time your policy renews by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a brief recap of the information illustrated above.
- Drivers can save approximately $200 per year simply by quoting online in advance
- 16 to 18-year-old drivers are charged the highest rates, costing as high as $479 per month including comprehensive and collision insurance
- Increasing deductibles could save up to $700 each year
- High-risk drivers who tend to receive serious violations may pay on average $1,840 more annually than a driver with a clean driving record
- Drivers who want additional liability coverage will pay around $410 each year to go from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,744 |
| 20 | $3,656 |
| 30 | $1,662 |
| 40 | $1,580 |
| 50 | $1,442 |
| 60 | $1,414 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,044 |
| $250 | $1,828 |
| $500 | $1,580 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,654 |
| 100/300 | $1,747 |
| 250/500 | $1,989 |
| 100 CSL | $1,692 |
| 300 CSL | $1,896 |
| 500 CSL | $2,045 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,228 |
| 20 | $5,814 |
| 30 | $3,512 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $77 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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