Ford Focus ST Insurance Rates
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UPDATED: May 4, 2024
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Average insurance rates for a Ford Focus ST are $1,218 a year including full coverage. Comprehensive insurance costs approximately $220, collision insurance costs $380, and liability is $460. A liability-only policy costs around $510 a year, and high-risk insurance costs $2,638 or more. Teens receive the highest rates at up to $4,740 a year.
Average premium for full coverage: $1,218
Rate estimates by individual coverage type:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Focus ST models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $510 for basic liability insurance to the much higher price of $2,638 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine auto insurance prices.
These examples highlight why everyone should compare rates quotes using their specific location, instead of using averaged prices.
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.
Rate Comparisons
The chart below breaks down average Ford Focus ST insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $712
- Raising to $1,000 deductibles will save $138 every year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,218
- Selecting pricier low deductibles will cost an additional $262 every year
- At-risk drivers with serious driving violations could pay around $2,638
- The cost that insures a teen driver for full coverage can cost $4,740
Insurance rates for a Ford Focus ST can also vary considerably based on the model of your Focus ST, your driving record and age, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,500 to $2,000 extra per year, depending on your age. Ford Focus ST insurance for high-risk drivers is expensive and can cost as much as 42% to 137% more than the average policy. View High Risk Driver Rates
A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live also has a big influence on Ford Focus ST insurance prices. A middle-age driver might find rates as low as $930 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,740 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,102 | -$116 | -9.5% |
| Alaska | $932 | -$286 | -23.5% |
| Arizona | $1,010 | -$208 | -17.1% |
| Arkansas | $1,218 | -$0 | 0.0% |
| California | $1,386 | $168 | 13.8% |
| Colorado | $1,164 | -$54 | -4.4% |
| Connecticut | $1,252 | $34 | 2.8% |
| Delaware | $1,378 | $160 | 13.1% |
| Florida | $1,522 | $304 | 25.0% |
| Georgia | $1,122 | -$96 | -7.9% |
| Hawaii | $874 | -$344 | -28.2% |
| Idaho | $824 | -$394 | -32.3% |
| Illinois | $906 | -$312 | -25.6% |
| Indiana | $916 | -$302 | -24.8% |
| Iowa | $820 | -$398 | -32.7% |
| Kansas | $1,156 | -$62 | -5.1% |
| Kentucky | $1,662 | $444 | 36.5% |
| Louisiana | $1,802 | $584 | 47.9% |
| Maine | $752 | -$466 | -38.3% |
| Maryland | $1,006 | -$212 | -17.4% |
| Massachusetts | $976 | -$242 | -19.9% |
| Michigan | $2,116 | $898 | 73.7% |
| Minnesota | $1,020 | -$198 | -16.3% |
| Mississippi | $1,458 | $240 | 19.7% |
| Missouri | $1,078 | -$140 | -11.5% |
| Montana | $1,308 | $90 | 7.4% |
| Nebraska | $962 | -$256 | -21.0% |
| Nevada | $1,462 | $244 | 20.0% |
| New Hampshire | $878 | -$340 | -27.9% |
| New Jersey | $1,362 | $144 | 11.8% |
| New Mexico | $1,078 | -$140 | -11.5% |
| New York | $1,284 | $66 | 5.4% |
| North Carolina | $700 | -$518 | -42.5% |
| North Dakota | $996 | -$222 | -18.2% |
| Ohio | $842 | -$376 | -30.9% |
| Oklahoma | $1,252 | $34 | 2.8% |
| Oregon | $1,116 | -$102 | -8.4% |
| Pennsylvania | $1,162 | -$56 | -4.6% |
| Rhode Island | $1,624 | $406 | 33.3% |
| South Carolina | $1,102 | -$116 | -9.5% |
| South Dakota | $1,028 | -$190 | -15.6% |
| Tennessee | $1,066 | -$152 | -12.5% |
| Texas | $1,468 | $250 | 20.5% |
| Utah | $900 | -$318 | -26.1% |
| Vermont | $834 | -$384 | -31.5% |
| Virginia | $730 | -$488 | -40.1% |
| Washington | $944 | -$274 | -22.5% |
| West Virginia | $1,116 | -$102 | -8.4% |
| Wisconsin | $842 | -$376 | -30.9% |
| Wyoming | $1,086 | -$132 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2016 Ford Focus ST | $220 | $380 | $460 | $1,218 |
| 2013 Ford Focus ST | $194 | $306 | $474 | $1,132 |
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 the Right Ford Focus ST Insurance
Saving money on car insurance consists of avoiding accidents and violations, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.
The list below is a quick rundown of the material that was covered in the charts and tables above.
- Policyholders who purchase higher liability limits will pay approximately $510 per year to raise from a minimum limit to the 250/500 level
- Teenagers are expensive to insure, as much as $395 per month if full coverage is included
- Higher risk drivers with reckless driving or DUI convictions will likely pay on average $1,420 more per year for car insurance
- Increasing deductibles can save approximately $400 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,740 |
| 20 | $2,812 |
| 30 | $1,254 |
| 40 | $1,218 |
| 50 | $1,114 |
| 60 | $1,092 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,480 |
| $250 | $1,358 |
| $500 | $1,218 |
| $1,000 | $1,080 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,218 |
| 50/100 | $1,310 |
| 100/300 | $1,425 |
| 250/500 | $1,724 |
| 100 CSL | $1,356 |
| 300 CSL | $1,609 |
| 500 CSL | $1,793 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,724 |
| 20 | $4,484 |
| 30 | $2,680 |
| 40 | $2,638 |
| 50 | $2,522 |
| 60 | $2,500 |
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 | $64 |
| Multi-vehicle | $66 |
| Homeowner | $20 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $51 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $506 |
Discounts are estimated and may not be available from every company or in every state.
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