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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U.S. average insurance prices for a Ford Focus RS are $1,580 every 12 months with full coverage. Comprehensive costs on average $362 a year, collision costs $688, and liability insurance is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing around $3,424. Teen drivers pay the highest rates at $5,744 a year or more.
Average premium for full coverage: $1,580
Price estimates by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Focus RS trim levels.
Price Range from Low to High
For the average 40-year-old driver, Ford Focus RS insurance prices go from the cheapest price of $438 for the bare minimum liability coverage to a high of $3,424 for high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas.
The diagram below illustrates the difference location can make on car insurance rates.
The ranges above demonstrate why it is important to get quotes based on a specific location and their own driving history, rather than relying on price 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 Information
The chart below details estimated Ford Focus RS insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $893
- Choosing higher $1,000 deductibles can save around $1,342 annually
- The average price for the average middle-age driver with $500 deductibles is $1,580
- Choosing low $100 deductibles for comp and collision coverage increases the price to $2,044
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,424 or more
- The price to insure a teen driver may cost $5,744 each year
Car insurance prices for a Ford Focus RS are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Focus RS.
Choosing high deductibles can save as much as $710 each year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $335 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles could pay as little as $1,500 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $5,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Focus RS insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like New Hampshire, Ohio, and Utah, or as much as $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% |
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes may be quite different.
| 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 Shop for the Best Cheap Ford Focus RS Insurance
Getting lower rates on Ford Focus RS insurance takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a quick review of the material that was touched on in this article.
- Drivers who require additional liability coverage will pay about $410 every year to raise limits from a low limit to a 250/500 level
- 16 to 18-year-old drivers are expensive to insure, costing up to $479 a month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,840 more each year than a driver with a clean driving record
- Increasing physical damage deductibles could save as much as $700 each year
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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