Ford Focus RS Insurance Rates

Average insurance rates for a Ford Focus RS are $1,580 a year with full coverage. Comprehensive costs on average $362, collision insurance costs $688, and liability costs around $372. A liability-only policy costs as low as $438 a year, and high-risk insurance costs around $3,424. Teen drivers receive the highest rates at up to $5,744 a year.

Average premium for full coverage: $1,580

Rate estimates by individual coverage type:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for different Focus RS trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Rural areas tend to have lower incidents of collision claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location, instead of using price averages.

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

More Rate Details

The chart below details average Ford Focus RS insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $893
• Using higher $1,000 deductibles will save around $238 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,580
• Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $2,044
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,424
• The cost that insures a teen driver with full coverage may cost $5,744 or more

View Chart as Image

Insurance rates for a Ford Focus RS can also vary considerably based on the model year and trim level, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,900 to $2,500 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 134% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age

Where you live has a huge impact on Ford Focus RS insurance prices. A driver around age 40 might see rates 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.

View Chart as Image

Choosing high deductibles could cut rates by as much as $710 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $335 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Cheap Ford Focus RS Insurance

Saving money on car insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Shop around at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a quick review of the concepts that were illustrated above.

• Higher risk drivers with a DUI or reckless driving violation pay on average $1,840 more each year for car insurance
• Teenagers pay the highest rates, with premiums as much as $479 per month if full coverage is included
• You may be able to save as much as $200 per year just by shopping early and online
• Increasing deductibles can save approximately $700 each year
• You may be able to save as much as $200 per year just by shopping early and online