Ford Focus ST Insurance Rates
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Michelle Robbins
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UPDATED: May 4, 2024
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Average insurance rates for a Ford Focus ST are $1,174 a year for full coverage. Comprehensive insurance costs around $206 a year, collision insurance costs $350, and liability costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,540 or more. Teen drivers receive the highest rates at up to $4,598 a year.
Average premium for full coverage: $1,174
Rate estimates for individual coverage type:
Includes $500 deductible amounts, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all states and Focus ST trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from the low end price of $510 for just liability insurance to a high of $2,540 for a policy for a high-risk driver.
Price Range by Location
Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.
These examples show why it is important to compare prices for a specific zip code, instead of making a decision based on price 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.
More Rate Details
The chart below shows average Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $693
- Using higher $1,000 deductibles will save about $1,046 a year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,174
- Choosing low $100 deductibles for physical damage coverage will cost an additional $242 annually
- High-risk insureds with multiple violations and an at-fault accident could pay at least $2,540
- The cost that insures a 16-year-old driver can be $4,598 or more
Car insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, how you drive, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be from 43% to 133% more than average. View High Risk Driver Rates
Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $4,500 a year. View Rates by Age
Where you live has a huge impact on Ford Focus ST insurance prices. A driver around age 40 might see rates as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,670 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$112 | -9.5% |
| Alaska | $900 | -$274 | -23.3% |
| Arizona | $974 | -$200 | -17.0% |
| Arkansas | $1,174 | -$0 | 0.0% |
| California | $1,336 | $162 | 13.8% |
| Colorado | $1,122 | -$52 | -4.4% |
| Connecticut | $1,204 | $30 | 2.6% |
| Delaware | $1,326 | $152 | 12.9% |
| Florida | $1,466 | $292 | 24.9% |
| Georgia | $1,082 | -$92 | -7.8% |
| Hawaii | $842 | -$332 | -28.3% |
| Idaho | $794 | -$380 | -32.4% |
| Illinois | $872 | -$302 | -25.7% |
| Indiana | $882 | -$292 | -24.9% |
| Iowa | $790 | -$384 | -32.7% |
| Kansas | $1,114 | -$60 | -5.1% |
| Kentucky | $1,600 | $426 | 36.3% |
| Louisiana | $1,734 | $560 | 47.7% |
| Maine | $724 | -$450 | -38.3% |
| Maryland | $968 | -$206 | -17.5% |
| Massachusetts | $938 | -$236 | -20.1% |
| Michigan | $2,036 | $862 | 73.4% |
| Minnesota | $982 | -$192 | -16.4% |
| Mississippi | $1,404 | $230 | 19.6% |
| Missouri | $1,040 | -$134 | -11.4% |
| Montana | $1,260 | $86 | 7.3% |
| Nebraska | $926 | -$248 | -21.1% |
| Nevada | $1,406 | $232 | 19.8% |
| New Hampshire | $846 | -$328 | -27.9% |
| New Jersey | $1,312 | $138 | 11.8% |
| New Mexico | $1,040 | -$134 | -11.4% |
| New York | $1,236 | $62 | 5.3% |
| North Carolina | $674 | -$500 | -42.6% |
| North Dakota | $960 | -$214 | -18.2% |
| Ohio | $810 | -$364 | -31.0% |
| Oklahoma | $1,204 | $30 | 2.6% |
| Oregon | $1,074 | -$100 | -8.5% |
| Pennsylvania | $1,118 | -$56 | -4.8% |
| Rhode Island | $1,566 | $392 | 33.4% |
| South Carolina | $1,062 | -$112 | -9.5% |
| South Dakota | $990 | -$184 | -15.7% |
| Tennessee | $1,028 | -$146 | -12.4% |
| Texas | $1,414 | $240 | 20.4% |
| Utah | $868 | -$306 | -26.1% |
| Vermont | $802 | -$372 | -31.7% |
| Virginia | $704 | -$470 | -40.0% |
| Washington | $908 | -$266 | -22.7% |
| West Virginia | $1,074 | -$100 | -8.5% |
| Wisconsin | $812 | -$362 | -30.8% |
| Wyoming | $1,044 | -$130 | -11.1% |
Choosing high deductibles could cut rates by as much as $370 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $206 | $350 | $460 | $1,174 |
| 2013 Ford Focus ST | $180 | $284 | $474 | $1,096 |
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 Find the Cheapest Ford Focus ST Insurance
Saving money on insurance for a Ford Focus ST requires having a good driving record, having a positive credit history, eliminating unneeded coverage, and consideration of higher deductibles. Shop around every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a recap of the coverage data touched on in this article.
- Drivers can save up to $140 per year just by quoting early and online
- Increasing deductibles can save approximately $375 each year
- Drivers age 20 and younger are the costliest to insure, costing as high as $383 per month if full coverage is purchased
- Drivers considered higher risk that have major violations or accidents pay on average $1,370 more every year to buy Ford Focus ST insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,598 |
| 20 | $2,708 |
| 30 | $1,206 |
| 40 | $1,174 |
| 50 | $1,074 |
| 60 | $1,052 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,046 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,174 |
| 50/100 | $1,266 |
| 100/300 | $1,381 |
| 250/500 | $1,680 |
| 100 CSL | $1,312 |
| 300 CSL | $1,565 |
| 500 CSL | $1,749 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,516 |
| 20 | $4,316 |
| 30 | $2,578 |
| 40 | $2,540 |
| 50 | $2,430 |
| 60 | $2,408 |
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 | $61 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $75 |
| Paid in Full/EFT | $48 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $481 |
Discounts are estimated and may not be available from every company or in every state.
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