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 costs $350, and liability coverage costs $460. Liability-only coverage costs as little as $510 a year, with high-risk coverage costing around $2,540. Teenage drivers pay the highest rates at $4,598 a year or more.
Average premium for full coverage: $1,174
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Focus ST models.
Price Range from Low to High
For a driver around age 40, Ford Focus ST insurance prices go from as low as $510 for just liability coverage to the much higher price of $2,540 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The ranges above illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below illustrates estimated Ford Focus ST insurance rates for additional coverage choices and driver risks.
- The best discount rate is $693
- Drivers who choose higher $1,000 deductibles will pay about $128 each year
- The average rate for the average middle-age driver using $500 deductibles is $1,174
- Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,416
- High-risk insureds who are prone to accidents and violations could pay at least $2,540 or more
- The price for full coverage for a teenage driver for full coverage can be $4,598 a year
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.
A more mature driver with a good driving record and high deductibles may only pay around $1,100 per year 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 makes a big difference in Ford Focus ST insurance rates. A 40-year-old driver 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.
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% |
Using high physical damage deductibles could save up to $370 a year, whereas buying more liability protection 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. Ford Focus ST insurance for high-risk drivers can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates
Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different from one company to the next.
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 More Affordable Ford Focus ST Insurance
Getting lower rates on auto insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a summary of the data covered above.
- Consumers who may need more liability protection will pay an extra $510 annually to go from a low limit to 250/500 limits
- It is possible to save up to $140 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $375 each year
- Youthful drivers are expensive to insure, as much as $383 a month if they have full coverage
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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