Ford Focus ST Insurance Rates

U.S. average insurance prices for a Ford Focus ST are $1,174 every 12 months for full coverage. Comprehensive insurance costs around $206 each year, collision insurance costs $350, and liability is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs $2,540 or more. 16-year-old drivers pay the highest rates at up to $4,598 a year.

Average premium for full coverage: $1,174

Price estimates for individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and Focus ST models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above show why all drivers should compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below shows average Ford Focus ST insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $693
• Raising to $1,000 deductibles will save about $128 a year
• The average price for the average middle-age driver using $500 deductibles is $1,174
• Buying low deductibles costs an extra $242 every year
• At-risk drivers with multiple tickets or accidents could pay at least $2,540
• The price to insure a teen driver can be $4,598

View Chart as Image

Car insurance prices for a Ford Focus ST are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $370 every year, whereas increasing liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged as much as $4,500 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,400 to $2,000 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 133% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Ford Focus ST insurance prices. A middle-age driver might find prices as low as $770 a year in states like Idaho, Maine, and Iowa, or at least $1,670 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for More Affordable Ford Focus ST Insurance

Getting lower rates on car insurance consists of avoiding accidents and violations, maintaining a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the ideas that were presented in the illustrations above.

• Teenagers are the costliest to insure, with premiums as much as $383 a month if the policy includes full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,370 more every year for car insurance
• Increasing physical damage deductibles could save as much as $375 each year
• Drivers can save up to $140 per year just by quoting online in advance