Are Ford Focus STs Expensive to Insure? [List of Money Saving Tips]

Ford Focus ST insurance rates on average cost $1,374 a year, or $115 a month. Comprehensive, collision, and liability insurance cost around $335, $488, and $388, respectively. Ford Focus ST insurance costs around $145 less per year than the average vehicle. Good drivers can save up to $567 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 $1,374 a year or $115 each month
  • A liability-only policy costs around $551 a year or $46 each month
  • Highest rates are for teenage drivers at around $5,022 a year or $419 each month
  • Good drivers can save as much as $567 a year by earning policy discounts
  • Ford Focus ST insurance costs around $145 less per year than the average vehicle

Ford Focus ST insurance rates are about $145 less per year than the average vehicle with full coverage around $1,374 a year or $115 a month. The highest rates are for teens who will pay around $5,022 a year or $419 a month.

Good drivers can save up to $567 a year in policy discounts by being safe and courteous while driving. Let’s take a look at Ford Focus ST insurance rates, safety features, and more.

You can start comparing quotes for Ford Focus ST car insurance rates from some of the best car insurance companies by using our free online tool now.

Ford Focus ST Insurance Cost

The average Ford Focus ST car insurance rates are $1,374 a year or $115 a month.

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Are Ford Focus STs Expensive to Insure?

The chart below details how Ford Focus ST insurance rates compare to other subcompact cars like the Ford Fiesta and Kia Rio.

Vehicle Comprehensive Collision Liability Total
Ford Focus ST $282 $536 $398 $1,374
Ford Fiesta $242 $422 $390 $1,212
Kia Rio $244 $506 $450 $1,380
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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 ST Insurance?

Even though the average annual rate for the Ford Focus ST is $1,374, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Ford Focus ST.

Age of the Vehicle

The average Ford Focus ST car insurance rates are higher for newer models. For example, car insurance for a 2018 Ford Focus ST costs $1,374, while 2013 Ford Focus ST insurance costs are $1,268, a difference of $106.

Model Year Comprehensive Collision Liability Total
2018 Ford Focus ST $282 $536 $398 $1,374
2017 Ford Focus ST $272 $524 $416 $1,370
2016 Ford Focus ST $262 $502 $430 $1,352
2015 Ford Focus ST $248 $484 $442 $1,332
2014 Ford Focus ST $238 $450 $452 $1,298
2013 Ford Focus ST $230 $424 $456 $1,268
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Driver Age

Driver age can have a significant impact on Ford Focus ST auto insurance rates. As an example, a 40-year-old driver could pay $145 less each month for their Ford Focus ST auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Ford Focus ST insurance rates. For example, drivers in Los Angeles may pay $1,182 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Ford Focus ST auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Focus ST auto insurance rates with violations on their driving record.

Ford Focus ST Safety Features

Most drivers don’t realize that not only do Ford Focus ST safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford Focus ST auto insurance rates. The Ford Focus ST’s safety features include:

  • Rearview camera
  • Seven airbags
  • Four-wheel anti-lock disc brakes with electronic brake assist

Ford Focus ST Finance and Insurance Cost

If you are financing a Ford Focus ST, you will pay more if you purchase Ford Focus ST car insurance at the dealership, so be sure to shop around and compare Ford Focus ST car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Focus ST Insurance

If you want to reduce the cost of your Ford Focus ST insurance rates, follow these tips below:

  • Start Searching for New Ford Focus ST Car Insurance a Month Before Your Renewal
  • Make Sure You’re Raising a Safe Driver
  • Consider Ford Focus ST Insurance Costs Before Buying a Ford Focus ST
  • Take Public Transit Instead of Driving Your Ford Focus ST
  • Ask for a Ford Focus ST Discount If You Have College Degree or Higher

Top Ford Focus ST Insurance Companies

The best auto insurance companies for Ford Focus ST car insurance rates will offer competitive rates, discounts, and account for the Ford Focus ST’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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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Compare Free Ford Focus ST Insurance Quotes Online

You can start comparing quotes for Ford Focus ST auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Free Auto Insurance Comparison

Compare over 200 auto insurance companies at once!

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