Ford Focus RS Insurance Rates

The average insurance rates for a Ford Focus RS are $1,580 a year with full coverage. Comprehensive insurance costs approximately $362 a year, collision insurance costs $688, and liability costs $372. Buying just liability costs as little as $438 a year, and insurance for high-risk drivers costs $3,424 or more. Teen 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:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Focus RS trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below details average Ford Focus RS insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $893
• Drivers who choose higher $1,000 deductibles will pay $1,342 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,580
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $464 annually
• Drivers with multiple violations and an at-fault accident could pay around $3,424
• Policy cost for full coverage for a 16-year-old driver can cost $5,744 a year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers 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 prices. A 40-year-old driver could pay as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,140 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, 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 from 44% to 134% more than average. View High Risk Driver Rates

How to Find the Best Ford Focus RS Insurance

Finding cheaper rates on insurance for a Ford Focus RS not only requires avoiding accidents and claims, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at least once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $200 per year just by quoting early and online
• Drivers considered higher risk who tend to receive serious violations pay on average $1,840 more per year to insure a Ford Focus RS
• Increasing comprehensive and collision deductibles can save around $700 each year
• Drivers under the age of 20 are expensive to insure, as much as $479 each month for full coverage