How Much are Ford Focus RS Insurance Rates?

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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
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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
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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
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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 airbags
  • Side impact airbags
  • Overhead airbags
  • Knee airbags
  • 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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