Ford Focus RS Insurance Rates
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UPDATED: Apr 22, 2024
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The average insurance rates for a Ford Focus RS are $1,580 a year including full coverage. Comprehensive costs around $362, collision costs $688, and liability insurance costs around $372. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing around $3,424. Teen drivers cost the most to insure at $5,744 a year or more.
Average premium for full coverage: $1,580
Policy rates for type of insurance:
Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Focus RS trim levels.
Price Range Variability
For an average driver, Ford Focus RS insurance rates go from as low as $438 for your basic liability-only policy to a much higher rate of $3,424 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.
The price range example below illustrates the effect of geographic area on auto insurance rates.
The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying 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 Information
The chart below breaks down estimated Ford Focus RS insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $893
- Using higher $1,000 deductibles will save about $238 every year
- The average rate for a good driver age 40 using $500 deductibles is $1,580
- Choosing more expensive low deductibles for physical damage coverage will increase the cost to $2,044
- Drivers with multiple violations and an at-fault accident could pay at least $3,424 or more
- Policy cost for full coverage for a teen driver with full coverage can be $5,744 or more
Insurance rates for a Ford Focus RS also range considerably based on your risk profile, the model of your Focus RS, and deductibles and policy limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,700 a year. View Rates by Age
Your home state has a huge impact on Ford Focus RS insurance rates. A driver around age 40 might see rates as low as $1,210 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,260 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,430 | -$150 | -9.5% |
| Alaska | $1,214 | -$366 | -23.2% |
| Arizona | $1,310 | -$270 | -17.1% |
| Arkansas | $1,580 | -$0 | 0.0% |
| California | $1,802 | $222 | 14.1% |
| Colorado | $1,510 | -$70 | -4.4% |
| Connecticut | $1,624 | $44 | 2.8% |
| Delaware | $1,790 | $210 | 13.3% |
| Florida | $1,980 | $400 | 25.3% |
| Georgia | $1,458 | -$122 | -7.7% |
| Hawaii | $1,136 | -$444 | -28.1% |
| Idaho | $1,070 | -$510 | -32.3% |
| Illinois | $1,178 | -$402 | -25.4% |
| Indiana | $1,190 | -$390 | -24.7% |
| Iowa | $1,066 | -$514 | -32.5% |
| Kansas | $1,502 | -$78 | -4.9% |
| Kentucky | $2,156 | $576 | 36.5% |
| Louisiana | $2,340 | $760 | 48.1% |
| Maine | $976 | -$604 | -38.2% |
| Maryland | $1,306 | -$274 | -17.3% |
| Massachusetts | $1,266 | -$314 | -19.9% |
| Michigan | $2,746 | $1,166 | 73.8% |
| Minnesota | $1,324 | -$256 | -16.2% |
| Mississippi | $1,894 | $314 | 19.9% |
| Missouri | $1,402 | -$178 | -11.3% |
| Montana | $1,698 | $118 | 7.5% |
| Nebraska | $1,248 | -$332 | -21.0% |
| Nevada | $1,894 | $314 | 19.9% |
| New Hampshire | $1,140 | -$440 | -27.8% |
| New Jersey | $1,768 | $188 | 11.9% |
| New Mexico | $1,400 | -$180 | -11.4% |
| New York | $1,666 | $86 | 5.4% |
| North Carolina | $910 | -$670 | -42.4% |
| North Dakota | $1,292 | -$288 | -18.2% |
| Ohio | $1,090 | -$490 | -31.0% |
| Oklahoma | $1,624 | $44 | 2.8% |
| Oregon | $1,448 | -$132 | -8.4% |
| Pennsylvania | $1,510 | -$70 | -4.4% |
| Rhode Island | $2,108 | $528 | 33.4% |
| South Carolina | $1,432 | -$148 | -9.4% |
| South Dakota | $1,334 | -$246 | -15.6% |
| Tennessee | $1,386 | -$194 | -12.3% |
| Texas | $1,904 | $324 | 20.5% |
| Utah | $1,170 | -$410 | -25.9% |
| Vermont | $1,082 | -$498 | -31.5% |
| Virginia | $948 | -$632 | -40.0% |
| Washington | $1,222 | -$358 | -22.7% |
| West Virginia | $1,448 | -$132 | -8.4% |
| Wisconsin | $1,094 | -$486 | -30.8% |
| Wyoming | $1,408 | -$172 | -10.9% |
Choosing high deductibles could cut rates by as much as $710 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $335 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,900 to $2,500 extra every year, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than average. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Ford Focus RS | $270 | $516 | $456 | $1,400 |
Rates are averaged for all Ford Focus RS 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 RS Insurance
Finding cheaper rates on Ford Focus RS insurance requires avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a quick review of the ideas that were covered in the above illustrations.
- Drivers under the age of 20 pay higher rates, with premiums being up to $479 each month for full coverage
- High-risk drivers with a DUI or reckless driving violation pay on average $1,840 more every year to insure a Ford Focus RS
- Increasing comprehensive and collision deductibles can save around $700 each year
- You may be able to save up to $200 per year simply by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,744 |
| 20 | $3,656 |
| 30 | $1,662 |
| 40 | $1,580 |
| 50 | $1,442 |
| 60 | $1,414 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,044 |
| $250 | $1,828 |
| $500 | $1,580 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,580 |
| 50/100 | $1,654 |
| 100/300 | $1,747 |
| 250/500 | $1,989 |
| 100 CSL | $1,692 |
| 300 CSL | $1,896 |
| 500 CSL | $2,045 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,228 |
| 20 | $5,814 |
| 30 | $3,512 |
| 40 | $3,424 |
| 50 | $3,266 |
| 60 | $3,236 |
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 | $85 |
| Multi-vehicle | $82 |
| Homeowner | $22 |
| 5-yr Accident Free | $123 |
| 5-yr Claim Free | $103 |
| Paid in Full/EFT | $77 |
| Advance Quote | $81 |
| Online Quote | $114 |
| Total Discounts | $687 |
Discounts are estimated and may not be available from every company or in every state.
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