Ford Focus ST Insurance Rates

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UPDATED: May 4, 2024

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The average insurance prices for a Ford Focus ST are $1,174 every 12 months for full coverage. Comprehensive insurance costs approximately $206, collision insurance costs $350, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,540 or more. 16-year-old drivers cost the most to insure at up to $4,598 a year.

Average premium for full coverage: $1,174

Policy rates by type of insurance:

Comprehensive $206
Collision $350
Liability $460

Full coverage includes $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Focus ST trim levels.

Price Range Variability

For a driver in their 40's, Ford Focus ST insurance rates range from the cheapest price of $510 for just the minimum liability insurance to a much higher rate of $2,540 for coverage for higher-risk drivers.

Liability Only $510
Full Coverage $1,174
High Risk $2,540

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have more infrequent accident claims than congested cities. The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $881
Small Cities $1,233
Large Cities $1,585

The examples above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of making a decision based on rate 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.

Additional Rate Analysis

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

  • The best full coverage rate is $693
  • Raising to $1,000 deductibles will save $128 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,174
  • Buying more expensive low deductibles costs an extra $242 annually
  • Drivers with multiple tickets or accidents could pay around $2,540
  • Policy cost to insure a 16-year-old driver with full coverage can cost $4,598

View Chart as Image

Ford Focus ST insurance cost comparison chart
Column chart showing Ford Focus ST insurance prices range from $693 to $4,598 for full coverage

Auto insurance rates for a Ford Focus ST also range considerably based on liability limits and deductibles, your driver profile, and the model of your Focus ST.

Opting for high physical damage deductibles can reduce rates by up to $370 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,400 to $2,000 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Ford Focus ST insurance prices. A middle-age driver might find rates as low as $770 a year in states like Iowa, Maine, and Idaho, or at least $1,670 on average in New York, Louisiana, and Michigan.

Ford Focus ST Insurance Rates by State
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%

View Chart as Image

Ford Focus ST insurance rates by U.S. city
Ford Focus ST Insurance Rates by Model Year
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 Shop for More Affordable Ford Focus ST Insurance

Finding cheaper rates on insurance for a Ford Focus ST consists of not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following is a summary of the primary concepts that were covered in the charts and tables above.

  • Drivers can save around $140 per year just by shopping early and online
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,370 more per year for Focus ST insurance
  • Increasing comprehensive and collision deductibles could save as much as $375 each year
  • Teens have the highest car insurance rates, costing up to $383 each month if comprehensive and collision insurance is included

Rates by Driver Age

Ford Focus ST Insurance 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

Ford Focus ST Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,302
$500 $1,174
$1,000 $1,046

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus ST Insurance Rates with Different Liability Limits
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

Ford Focus ST Insurance 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.

SR-22 Surcharge $162

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
Rate after discounts $693

Discounts are estimated and may not be available from every company or in every state.

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