Ford Focus RS Insurance Rates
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UPDATED: Apr 22, 2024
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Estimated insurance rates for a Ford Focus RS are $1,580 a year with full coverage. Comprehensive costs approximately $362, collision costs $688, and liability coverage is estimated at $372. Liability-only insurance costs approximately $438 a year, with high-risk driver insurance costing around $3,424. 16-year-old drivers pay the most at $5,744 a year or more.
Average premium for full coverage: $1,580
Premium estimates by type of coverage:
Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for all Focus RS models.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford Focus RS go from the low end price of $438 for minimum levels of liability insurance to the much higher price of $3,424 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than congested cities.
The example below illustrates how location impacts auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location, rather than using 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 Details
The chart below details estimated Ford Focus RS insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $893
- Choosing higher $1,000 deductibles can save $238 annually
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,580
- Buying pricier low deductibles for comp and collision coverage bumps up the cost to $2,044
- Drivers with multiple tickets or accidents could pay around $3,424 or more
- An auto insurance policy that insures a teenage driver for full coverage can cost $5,744 each year
Insurance prices for a Ford Focus RS also have a wide range based on the model of your Focus RS, your age and driving habits, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,500 additional annually, depending on your age. Ford Focus RS insurance for high-risk drivers ranges around 44% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Ford Focus RS insurance rates. A good driver about age 40 could pay as low as $1,140 a year in states like Utah, Ohio, and New Hampshire, or at least $2,140 on average in New York, Michigan, and Florida.
| 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% |
Opting for high physical damage deductibles can save as much as $710 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $335 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, and prices will be substantially different.
| 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 Ford Focus RS Insurance
Finding better rates on auto insurance takes having a good driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at least once a year by getting rate quotes from direct companies, and also from local insurance agencies.
The next list is a brief recap of the primary concepts that were touched on above.
- You may be able to save around $200 per year simply by quoting online well ahead of the renewal date
- Drivers who tend to receive serious violations may have to pay on average $1,840 more per year to buy Ford Focus RS insurance
- Increasing policy deductibles can save approximately $700 each year
- Drivers age 20 and younger are the costliest to insure, possibly costing $479 per month if comprehensive and collision insurance is included
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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