Ford Focus RS Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 22, 2024
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Estimated auto insurance rates for a Ford Focus RS are $1,580 annually with full coverage. Comprehensive costs on average $362 each year, collision insurance costs $688, and liability is estimated at $372. Liability-only insurance costs approximately $438 a year, and high-risk driver insurance costs around $3,424. 16-year-old drivers pay the most at up to $5,744 a year.
Average premium for full coverage: $1,580
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Focus RS models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Ford Focus RS range from as cheap as $438 for minimum levels of liability insurance to a high rate of $3,424 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities. The graphic below illustrates how location helps determine car insurance rates.
These rate differences demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.
Additional Rate Details
The chart below details average Ford Focus RS insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $893
- Choosing higher $1,000 deductibles can save around $238 annually
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,580
- Buying low deductibles for comp and collision coverage will cost $2,044
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,424
- An auto insurance policy with full coverage for a 16-year-old driver may cost $5,744 each year
Insurance prices for a Ford Focus RS also have a wide range based on the model of your Focus RS, your driving record, and policy deductibles and limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $5,700 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,500 additional annually, depending on your age. Insurance for high-risk drivers ranges from 44% to 134% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $710 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
Where you choose to live plays a big part in determining prices for Ford Focus RS insurance prices. A good driver about age 40 could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or at least $2,140 on average in Florida, Michigan, and New York.
| 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% |
| 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 Cheap Ford Focus RS Insurance
Finding better rates on insurance for a Ford Focus RS takes being a good driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every other policy renewal by quoting rates from direct companies, and also from local independent and exclusive agents.
The following list is a quick review of the ideas that were covered in the charts and tables above.
- Drivers age 16 to 20 pay higher prices, possibly costing $479 per month if they have full coverage
- Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,840 more each year than a safer driver
- Increasing policy deductibles could save up to $700 each year
- You may be able to save as much as $200 per year just by quoting online in advance
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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