Ford Focus ST Insurance Rates
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UPDATED: May 4, 2024
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Average auto insurance rates for a Ford Focus ST are $1,174 annually for full coverage. Comprehensive costs around $206 a year, collision costs $350, and liability coverage costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,540. Teen drivers receive the highest rates at $4,598 a year or more.
Average premium for full coverage: $1,174
Rate estimates for individual coverage type:
Includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Focus ST trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from as cheap as $510 for a discount liability-only rate to a high of $2,540 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Areas with sparse population tend to have fewer accident claims than larger metro areas.
The diagram below illustrates how geographic area affects auto insurance rates.
These examples show why it is important to compare prices for a specific zip code and their own personal driving habits, rather than using 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.
Rates by State, City, and Model
The chart below shows estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $693
- Using higher $1,000 deductibles will save about $1,046 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,174
- Choosing low $100 deductibles for physical damage coverage will cost $1,416
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,540 or more
- The cost with full coverage for a teenage driver can be $4,598 or more
Car insurance rates for a Ford Focus ST can also vary considerably based on the trim level of your Focus ST, your driver profile, and deductibles and policy limits.
Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $4,500 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $370 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Ford Focus ST insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Idaho, Maine, and Iowa, or as much as $1,670 on average in Michigan, Louisiana, and New York.
| 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% |
With so much variability in rates, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
| 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 Buy the Cheapest Ford Focus ST Insurance
Saving money on auto insurance requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Invest the time to compare rates at every other renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The list below is a recap of the concepts that were presented in the illustrations above.
- Drivers that have major violations or accidents pay an average of $1,370 more every year for car insurance
- Teenagers are the costliest to insure, costing as high as $383 per month if comprehensive and collision insurance is included
- Drivers can save up to $140 per year simply by quoting early and online
- Increasing deductibles could save up to $375 each year
- Drivers can save up to $140 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,302 |
| $500 | $1,174 |
| $1,000 | $1,046 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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