Ford Focus ST Insurance Rates

Estimated insurance rates for a Ford Focus ST are $1,174 a year for full coverage. Comprehensive insurance costs around $206 each year, collision insurance costs $350, and liability coverage costs around $460. A policy with only liability insurance costs as low as $510 a year, and a high-risk policy costs $2,540 or more. Teenage drivers pay the most at up to $4,598 a year.

Average premium for full coverage: $1,174

Premium estimates for type of coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and Focus ST models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

These rate differences show why all drivers should compare prices for a specific zip code, rather than using average rates.

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

Detailed Rate Analysis

The chart below shows average Ford Focus ST insurance rates for additional coverage choices and driver risks.

• The best discount rate is $693
• Using higher $1,000 deductibles will save about $128 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,174
• Using low deductibles for physical damage coverage will cost an additional $242 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,540
• An auto insurance policy that insures a teenage driver can be $4,598 or more

View Chart as Image

Car insurance prices for a Ford Focus ST also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age

Where you choose to live has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see prices as low as $770 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $370 a year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

How to Find the Right Ford Focus ST Insurance

Finding better rates on auto insurance requires being safe and accident-free, having a positive credit history, not filing small claims, and consideration of higher deductibles. Compare prices at every other renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below you'll find a quick rundown of the concepts that were illustrated above.

• Drivers with reckless driving or DUI convictions pay on average $1,370 more every year than a low-risk driver
• Youthful drivers are the costliest to insure, as much as $383 per month if full coverage is purchased
• Drivers can save up to $140 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $375 each year
• Drivers can save up to $140 per year just by quoting online in advance