Ford Focus RS Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

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Estimated auto insurance rates for a Ford Focus RS are $1,580 annually including full coverage. Comprehensive costs around $362, collision insurance costs $688, and liability insurance costs $372. Liability-only insurance costs as little as $438 a year, and high-risk driver insurance costs around $3,424. Teen drivers pay the most at up to $5,744 a year.

Average premium for full coverage: $1,580

Premium estimates for type of coverage:

Comprehensive $362
Collision $688
Liability $372

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Focus RS models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Ford Focus RS range from as cheap as $438 for minimum levels of liability insurance to the much higher price of $3,424 for coverage for higher-risk drivers.

Liability Only $438
Full Coverage $1,580
High Risk $3,424

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,185
Small Cities $1,659
Large Cities $2,133

These rate differences highlight why everyone should compare rates for a specific zip code and their own personal driving habits, 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.

Additional Rate Details

The chart below breaks down average Ford Focus RS insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $893
  • Drivers who choose higher $1,000 deductibles will pay about $238 every year
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,580
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost $2,044
  • High risk drivers with multiple violations and an at-fault accident could pay at least $3,424
  • An auto insurance policy with full coverage for a teen driver for full coverage can be $5,744 a year

View Chart as Image

Ford Focus RS insurance cost comparison chart
Column chart showing Ford Focus RS insurance rates range from $893 to $5,744 for full coverage

Insurance prices for a Ford Focus RS also have a wide range based on the model of your Focus RS, your driving characteristics, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,700 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,900 to $2,500 additional annually, depending on your age. Ford Focus RS insurance for high-risk drivers can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $710 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Ford Focus RS insurance rates. A 40-year-old driver could pay 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.

Ford Focus RS Insurance Rates by State
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%

View Chart as Image

Ford Focus RS insurance rates by U.S. city
Ford Focus RS Insurance Rates by Model Year
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 Buy More Affordable Ford Focus RS Insurance

Finding better rates on Ford Focus RS insurance not only requires being a good driver, but also having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Make time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the primary concepts that were touched on in this article.

  • You may be able to save up to $200 per year just by quoting online well ahead of the renewal date
  • High-risk drivers who have multiple accidents or major violations may pay on average $1,840 more every year than a safer driver
  • Increasing policy deductibles could save up to $700 each year
  • Drivers age 16 to 20 are charged the highest prices, with the cost nearing $479 per month if they have full coverage

Rates by Driver Age

Ford Focus RS Insurance 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

Ford Focus RS Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,044
$250 $1,828
$500 $1,580
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Ford Focus RS Insurance Rates with Different Liability Limits
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

Ford Focus RS Insurance 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.

SR-22 Surcharge $222

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
Rate after discounts $893

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

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