Ford Focus ST Insurance Rates

The average auto insurance rates for a Ford Focus ST are $1,148 annually for full coverage. Comprehensive costs an estimated $198, collision insurance costs $328, and liability costs around $464. Liability-only coverage costs as low as $514 a year, and high-risk coverage costs around $2,486. Teens cost the most to insure at up to $4,524 a year.

Average premium for full coverage: $1,148

Policy rates broken down by type of insurance:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Focus ST models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The example below illustrates the effect of geographic area on insurance prices.

The examples above show why everyone should compare prices for a targeted area and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $681
• Using higher $1,000 deductibles will save approximately $120 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,148
• Selecting pricier low deductibles for physical damage coverage will cost $1,378
• Drivers with serious driving violations could pay up to $2,486
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $4,524 or more

View Chart as Image

Insurance rates for a Ford Focus ST also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $4,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,400 to $1,900 additional every year, depending on your age. Ford Focus ST insurance for high-risk drivers can be as much as 42% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $350 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $417 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Ford Focus ST insurance prices. A driver around age 40 might see rates as low as $760 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,640 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy the Right Ford Focus ST Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at every policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a quick rundown of the data covered in the above illustrations.

• Policyholders who want higher levels of liability will pay approximately $510 each year to increase from a 30/60 limit to higher 250/500 limits
• Drivers can save approximately $130 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Teenage drivers are expensive to insure, costing up to $377 each month if they have full coverage