Ford Focus ST 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: May 4, 2024
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U.S. average insurance prices for a Ford Focus ST are $1,148 every 12 months including full coverage. Comprehensive costs around $198, collision costs $328, and liability is estimated at $464. Liability-only coverage costs approximately $514 a year, with high-risk coverage costing around $2,486. 16-year-old drivers pay the highest rates at $4,524 a year or more.
Average premium for full coverage: $1,148
Price estimates for individual coverage:
Rates are based on $500 physical damage deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Focus ST trim levels.
Price Range from Low to High
For a 40-year-old driver, Ford Focus ST insurance prices go from the cheapest price of $514 for just the minimum liability insurance to a much higher rate of $2,486 for a driver required to buy high-risk insurance.
Geographic Price Range
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities.
The price range example below illustrates how your location can change auto insurance rates.
The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, 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 Analysis
The chart below breaks down estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $681
- Choosing higher $1,000 deductibles can save about $120 every year
- The average price for the average middle-age driver using $500 deductibles is $1,148
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,378
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,486 or more
- The price to insure a 16-year-old driver with full coverage can be $4,524 each year
Auto insurance prices for a Ford Focus ST are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $350 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $417 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $4,500 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 in extra premium each year, depending on your age. High-risk driver insurance ranges from 42% to 136% more than the average rate. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Ford Focus ST insurance prices. A good driver about age 40 could pay as low as $880 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,640 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,040 | -$108 | -9.4% |
| Alaska | $880 | -$268 | -23.3% |
| Arizona | $954 | -$194 | -16.9% |
| Arkansas | $1,148 | -$0 | 0.0% |
| California | $1,310 | $162 | 14.1% |
| Colorado | $1,098 | -$50 | -4.4% |
| Connecticut | $1,182 | $34 | 3.0% |
| Delaware | $1,300 | $152 | 13.2% |
| Florida | $1,436 | $288 | 25.1% |
| Georgia | $1,058 | -$90 | -7.8% |
| Hawaii | $824 | -$324 | -28.2% |
| Idaho | $776 | -$372 | -32.4% |
| Illinois | $856 | -$292 | -25.4% |
| Indiana | $864 | -$284 | -24.7% |
| Iowa | $776 | -$372 | -32.4% |
| Kansas | $1,090 | -$58 | -5.1% |
| Kentucky | $1,566 | $418 | 36.4% |
| Louisiana | $1,700 | $552 | 48.1% |
| Maine | $708 | -$440 | -38.3% |
| Maryland | $948 | -$200 | -17.4% |
| Massachusetts | $920 | -$228 | -19.9% |
| Michigan | $1,994 | $846 | 73.7% |
| Minnesota | $960 | -$188 | -16.4% |
| Mississippi | $1,376 | $228 | 19.9% |
| Missouri | $1,018 | -$130 | -11.3% |
| Montana | $1,232 | $84 | 7.3% |
| Nebraska | $906 | -$242 | -21.1% |
| Nevada | $1,376 | $228 | 19.9% |
| New Hampshire | $826 | -$322 | -28.0% |
| New Jersey | $1,284 | $136 | 11.8% |
| New Mexico | $1,018 | -$130 | -11.3% |
| New York | $1,208 | $60 | 5.2% |
| North Carolina | $662 | -$486 | -42.3% |
| North Dakota | $940 | -$208 | -18.1% |
| Ohio | $792 | -$356 | -31.0% |
| Oklahoma | $1,180 | $32 | 2.8% |
| Oregon | $1,052 | -$96 | -8.4% |
| Pennsylvania | $1,094 | -$54 | -4.7% |
| Rhode Island | $1,532 | $384 | 33.4% |
| South Carolina | $1,040 | -$108 | -9.4% |
| South Dakota | $970 | -$178 | -15.5% |
| Tennessee | $1,006 | -$142 | -12.4% |
| Texas | $1,384 | $236 | 20.6% |
| Utah | $850 | -$298 | -26.0% |
| Vermont | $788 | -$360 | -31.4% |
| Virginia | $686 | -$462 | -40.2% |
| Washington | $886 | -$262 | -22.8% |
| West Virginia | $1,052 | -$96 | -8.4% |
| Wisconsin | $796 | -$352 | -30.7% |
| Wyoming | $1,024 | -$124 | -10.8% |
Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $198 | $328 | $464 | $1,148 |
| 2013 Ford Focus ST | $174 | $258 | $478 | $1,068 |
Rates are averaged for all Ford Focus ST 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 ST Insurance
Getting lower rates on insurance for a Ford Focus ST takes being a safe and courteous driver, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a quick review of the data illustrated above.
- Insureds who may need higher levels of liability will pay around $510 per year to raise limits from a low limit to a 250/500 level
- You may be able to save up to $130 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $350 each year
- Teenage drivers are expensive to insure, possibly costing $377 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,524 |
| 20 | $2,648 |
| 30 | $1,178 |
| 40 | $1,148 |
| 50 | $1,052 |
| 60 | $1,032 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,378 |
| $250 | $1,272 |
| $500 | $1,148 |
| $1,000 | $1,028 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,148 |
| 50/100 | $1,241 |
| 100/300 | $1,357 |
| 250/500 | $1,658 |
| 100 CSL | $1,287 |
| 300 CSL | $1,542 |
| 500 CSL | $1,728 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,404 |
| 20 | $4,222 |
| 30 | $2,520 |
| 40 | $2,486 |
| 50 | $2,376 |
| 60 | $2,356 |
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 | $59 |
| Multi-vehicle | $62 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $79 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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