Ford Focus ST Insurance Rates

Average insurance rates for a Ford Focus ST are $1,148 a year for full coverage insurance. Comprehensive costs approximately $198 each year, collision insurance costs $328, and liability costs $464. A liability-only policy costs as little as $514 a year, and high-risk insurance costs around $2,486. Teen drivers receive the highest rates at up to $4,524 a year.

Average premium for full coverage: $1,148

Rate estimates by individual coverage type:

Prices are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Focus ST models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below illustrates average Ford Focus ST insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $681
• Drivers who choose higher $1,000 deductibles will pay $120 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,148
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,378
• Drivers with multiple violations and an at-fault accident could pay around $2,486
• The cost for full coverage for a 16-year-old driver can cost $4,524 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age

Where you live makes a big difference in Ford Focus ST insurance prices. A 40-year-old driver could pay as low as $750 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,550 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $350 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $417 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 136% more than average. View High Risk Driver Rates

How to Find Affordable Ford Focus ST Insurance

Saving money on insurance for a Ford Focus ST not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Make time to compare rates every year by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The items below are a brief review of the coverage data touched on in this article.

• It is possible to save around $130 per year just by quoting online in advance
• Increasing deductibles can save around $350 each year
• Teen drivers are expensive to insure, costing up to $377 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,340 more per year to insure their Focus ST