Ford Focus ST Insurance Rates

Average auto insurance rates for a Ford Focus ST are $1,148 annually for full coverage. Comprehensive insurance costs an estimated $198, collision insurance costs $328, and liability insurance is $464. Liability-only coverage costs around $514 a year, and high-risk coverage costs $2,486 or more. Teenage drivers receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Rate estimates broken down by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for all Focus ST models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The example below illustrates how location impacts insurance prices.

These examples show why everyone should compare rates quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below shows average Ford Focus ST insurance rates for other coverage scenarios.

• The best discount rate is $681
• Raising to $1,000 deductibles will save approximately $120 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,148
• Using pricier low deductibles costs an additional $230 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,486
• The cost with full coverage for a teen driver for full coverage can cost as much as $4,524

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Car insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your driver profile, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,400 to $1,900 extra per year, depending on your age. Ford Focus ST insurance for high-risk drivers is expensive and can cost anywhere from 42% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $350 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $417 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Ford Focus ST insurance rates. A middle-age driver might find rates as low as $760 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,640 on average in New York, Louisiana, and Michigan.

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How to Buy the Best Cheap Ford Focus ST Insurance

Saving money on Ford Focus ST insurance consists of being safe and accident-free, having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Spend time shopping around at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below you'll find a quick review of the car insurance concepts touched on above.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,340 more annually than a low-risk driver
• Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing deductibles could save up to $350 each year
• Drivers who want more liability protection will pay an extra $510 each year to raise from a minimum limit to higher 250/500 limits