Affordable Ford Focus RS Auto Insurance Quotes (2026)
Ford Focus RS insurance rates average $1,544/yr, or $129/mo. A liability-only policy costs around $619 a year or $52 each month. Ford Focus RS insurance costs around $25 more per year than the average vehicle. Good drivers can save up to $637 a year on these costs by earning discounts on their policy.
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Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Scott W. Johnson
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated June 2023
Key takeaways:
- Full coverage costs around $1,544 a year or $129 each month
- A liability-only policy costs around $619 a year or $52 each month
- Highest rates are for teenage drivers at around $5,643 a year or $470 each month
- Good drivers can save as much as $637 a year by earning policy discounts
- Ford Focus RS insurance costs around $25 more per year than the average vehicle
Ford Focus RS insurance rates are slightly more than the average vehicle with full coverage costing around $1,544 a year or $129 a month. The highest rates are for teens who will pay around $5,643 a year or $470 a month. Good drivers can save up to $637 a year in policy discounts. Let’s look at Ford Focus RS insurance rates, crash test ratings, and more.
You can start comparing quotes for Ford Focus RS car insurance rates from some of the best car insurance companies by using our free online tool now.
Ford Focus RS Insurance Cost
The average Ford Focus RS auto insurance rates are $1,544 a year or $129 a month.
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Are Ford Focus RSs Expensive to Insure?
The chart below details how Ford Focus RS insurance rates compare to other subcompact hatchbacks like the Honda Fit, Volkswagen Golf, and Volkswagen Beetle.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Focus RS | $332 | $656 | $398 | $1,544 |
| Honda Fit | $268 | $512 | $258 | $1,148 |
| Volkswagen Golf | $306 | $600 | $390 | $1,454 |
| Volkswagen Beetle | $280 | $542 | $332 | $1,290 |
| Volkswagen Golf R | $372 | $660 | $390 | $1,580 |
| Mitsubishi Mirage | $244 | $448 | $398 | $1,248 |
However, there are a few things you can do to find the cheapest Ford insurance rates online.
What Impacts the Cost of Ford Focus RS Insurance?
The Ford Focus RS trim and model you choose will affect the total price you will pay for Ford Focus RS insurance coverage.
Age of the Vehicle
Older Ford Focus RS models generally cost less to insure. For example, car insurance rates for a 2018 Ford Focus RS are $1,544, while 2016 Ford Focus RS rates are $1,510, a difference of $34.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Ford Focus RS | $332 | $656 | $398 | $1,544 |
| 2017 Ford Focus RS | $320 | $640 | $416 | $1,534 |
| 2016 Ford Focus RS | $310 | $612 | $430 | $1,510 |
Driver Age
Driver age can have a significant effect on Ford Focus RS car insurance rates. For example, 30-year-old drivers pay $68 more for Ford Focus RS car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Ford Focus RS insurance rates. For example, drivers in Phoenix may pay $849 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Ford Focus RS auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Focus RS car insurance with violations on their driving record.
Ford Focus RS Crash Test Ratings
The crash test ratings of the Ford Focus RS can impact your Ford Focus RS car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2018 Ford Focus RS 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Ford Focus RS 5 HB AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Ford Focus RS 5 HB AWD | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Ford Focus RS Safety Features
Most drivers don’t realize that not only do Ford Focus RS safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford Focus RS auto insurance rates. The Ford Focus RS’s safety features include:
- Anti-lock brakes
- Stability control
- Front-impact air bags
- Side impact air bags
- Overhead air bags
- Knee air bags
- Pretensioners
- Security system
Ford Focus RS Finance and Insurance Cost
If you are financing a Ford Focus RS, you will pay more if you purchase Ford Focus RS car insurance at the dealership, so be sure to shop around and compare Ford Focus RS car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Ford Focus RS Insurance
Although it may seem like your Ford Focus RS car insurance rates are set, there are a few measures that you can take to secure the best Ford Focus RS car insurance rates possible. Take a look at the following five ways to save on Ford Focus RS auto insurance.
- Move to an Area with a Lower Cost of Living
- Never Drink and Drive Your Ford Focus RS
- Tell Your Insurer About Different Drivers or Uses for Your Ford Focus RS
- Check for Organization-Based Discounts, like Alumni or Employer Discounts
- Understand that Your Insurer Can Change Your Ford Focus RS Auto Insurance Rates Mid-Term for Other Reasons
Top Ford Focus RS Insurance Companies
Who is the best auto insurance company for Ford Focus RS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Focus RS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Focus RS offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
How much does insurance for a Ford Focus RS cost?
On average, insurance for a Ford Focus RS costs around $1,544 per year or $129 per month.
Is insurance expensive for Ford Focus RS?
Compared to similar subcompact hatchbacks, Ford Focus RS insurance rates are slightly higher. However, there are ways to find affordable insurance online.
What factors affect Ford Focus RS insurance cost?
The cost of insurance for a Ford Focus RS is influenced by the vehicle’s trim and model, your age, location, and driving record.
Do safety features impact Ford Focus RS insurance rates?
Yes, the safety features of the Ford Focus RS can affect insurance rates. Better safety ratings may lead to lower premiums.
How can I save on Ford Focus RS insurance?
To save on insurance for your Ford Focus RS, maintain a clean driving record, consider bundling policies, raise deductibles, and explore available discounts.
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