Ford Focus ST Insurance Rates
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UPDATED: May 4, 2024
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U.S. average insurance prices for a Ford Focus ST are $1,218 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $220 each year, collision costs $380, and liability coverage costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,638 or more. Teens pay the highest rates at $4,740 a year or more.
Average premium for full coverage: $1,218
Price estimates by individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Focus ST models.
Price Range from Low to High
For a driver around age 40, Ford Focus ST insurance prices go from the cheapest price of $510 for basic liability insurance to a high rate of $2,638 for coverage for higher-risk drivers.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above illustrate why all drivers should compare prices using their specific location and their own driving history, rather than using averaged prices.
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.
Rate Comparisons
The chart below illustrates estimated Ford Focus ST insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $712
- Using higher $1,000 deductibles will save $138 each year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,218
- Selecting low deductibles for physical damage coverage costs an extra $262 each year
- Higher-risk drivers with serious driving violations could pay around $2,638 or more
- The price to insure a teenage driver can cost $4,740 or more
Car insurance prices for a Ford Focus ST are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Focus ST.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $400 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers can be around 42% to 137% more than the average policy. View High Risk Driver Rates
The state you live in has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see prices as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,650 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$116 | -9.5% |
| Alaska | $932 | -$286 | -23.5% |
| Arizona | $1,010 | -$208 | -17.1% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,386 | $168 | 13.8% |
| Colorado | $1,164 | -$54 | -4.4% |
| Connecticut | $1,252 | $34 | 2.8% |
| Delaware | $1,378 | $160 | 13.1% |
| Florida | $1,522 | $304 | 25.0% |
| Georgia | $1,122 | -$96 | -7.9% |
| Hawaii | $874 | -$344 | -28.2% |
| Idaho | $824 | -$394 | -32.3% |
| Illinois | $906 | -$312 | -25.6% |
| Indiana | $916 | -$302 | -24.8% |
| Iowa | $820 | -$398 | -32.7% |
| Kansas | $1,156 | -$62 | -5.1% |
| Kentucky | $1,662 | $444 | 36.5% |
| Louisiana | $1,802 | $584 | 47.9% |
| Maine | $752 | -$466 | -38.3% |
| Maryland | $1,006 | -$212 | -17.4% |
| Massachusetts | $976 | -$242 | -19.9% |
| Michigan | $2,116 | $898 | 73.7% |
| Minnesota | $1,020 | -$198 | -16.3% |
| Mississippi | $1,458 | $240 | 19.7% |
| Missouri | $1,078 | -$140 | -11.5% |
| Montana | $1,308 | $90 | 7.4% |
| Nebraska | $962 | -$256 | -21.0% |
| Nevada | $1,462 | $244 | 20.0% |
| New Hampshire | $878 | -$340 | -27.9% |
| New Jersey | $1,362 | $144 | 11.8% |
| New Mexico | $1,078 | -$140 | -11.5% |
| New York | $1,284 | $66 | 5.4% |
| North Carolina | $700 | -$518 | -42.5% |
| North Dakota | $996 | -$222 | -18.2% |
| Ohio | $842 | -$376 | -30.9% |
| Oklahoma | $1,252 | $34 | 2.8% |
| Oregon | $1,116 | -$102 | -8.4% |
| Pennsylvania | $1,162 | -$56 | -4.6% |
| Rhode Island | $1,624 | $406 | 33.3% |
| South Carolina | $1,102 | -$116 | -9.5% |
| South Dakota | $1,028 | -$190 | -15.6% |
| Tennessee | $1,066 | -$152 | -12.5% |
| Texas | $1,468 | $250 | 20.5% |
| Utah | $900 | -$318 | -26.1% |
| Vermont | $834 | -$384 | -31.5% |
| Virginia | $730 | -$488 | -40.1% |
| Washington | $944 | -$274 | -22.5% |
| West Virginia | $1,116 | -$102 | -8.4% |
| Wisconsin | $842 | -$376 | -30.9% |
| Wyoming | $1,086 | -$132 | -10.8% |
Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so rate quotes may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $220 | $380 | $460 | $1,218 |
| 2013 Ford Focus ST | $194 | $306 | $474 | $1,132 |
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 Shop for More Affordable Ford Focus ST Insurance
Getting lower rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a summary of the primary concepts that were covered above.
- It is possible to save around $140 per year simply by quoting online in advance
- Drivers who have multiple accidents or major violations may have to pay on average $1,420 more per year for car insurance
- Increasing physical damage deductibles could save as much as $400 each year
- Teenagers pay the highest auto insurance prices, as much as $395 a month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,740 |
| 20 | $2,812 |
| 30 | $1,254 |
| 40 | $1,218 |
| 50 | $1,114 |
| 60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,480 |
| $250 | $1,358 |
| $500 | $1,218 |
| $1,000 | $1,080 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,310 |
| 100/300 | $1,425 |
| 250/500 | $1,724 |
| 100 CSL | $1,356 |
| 300 CSL | $1,609 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,724 |
| 20 | $4,484 |
| 30 | $2,680 |
| 40 | $2,638 |
| 50 | $2,522 |
| 60 | $2,500 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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