Ford Focus ST Insurance Rates

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UPDATED: May 4, 2024

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U.S. average insurance rates for a Ford Focus ST are $1,174 a year for full coverage insurance. Comprehensive costs around $206, collision insurance costs $350, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, and high-risk coverage costs around $2,540. Teenage drivers pay the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Comprehensive $206
Collision $350
Liability $460

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Focus ST trim levels.

Price Range from Low to High

For the normal driver, Ford Focus ST insurance prices range from as low as $510 for just the minimum liability insurance to a much higher rate of $2,540 for a driver who requires high-risk insurance.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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 illustrates average Ford Focus ST insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $693
  • Choosing higher $1,000 deductibles can save about $128 each year
  • The average rate for the average middle-age driver using $500 deductibles is $1,174
  • Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,416
  • High-risk insureds who are prone to accidents and violations could pay at least $2,540
  • The price for full coverage for a teen driver with full coverage can be $4,598 each year

View Chart as Image

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

Auto insurance prices for a Ford Focus ST are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,500 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Focus ST insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,580 on average in Michigan, New York, and Florida.

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

Using high physical damage deductibles can save as much as $370 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 133% more than a normal policy. View High Risk Driver Rates

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 Find the Best Cheap Ford Focus ST Insurance

Getting lower rates on Ford Focus ST insurance takes avoiding accidents and violations, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a quick review of the concepts that were presented in the illustrations above.

  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,370 more every year for car insurance
  • Teenagers are expensive to insure, as much as $383 a month if they have full coverage
  • It is possible to save up to $140 per year just by shopping early and online
  • Increasing physical damage deductibles can save around $375 each year
  • It is possible to save up to $140 per year just by shopping early and online

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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