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Compare Ford Focus ST Insurance Rates [Rates + Coverage Guide]

Average Ford Focus ST auto insurance rates cost $1,374 a year, or around $115 a month. Finding Ford Focus ST teenager insurance rates can cost on average $5,022 a year, so shop around to find cheap coverage.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 23, 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 costing around $1,374 a year or $115 a month. Drivers of an older Ford Focus ST may opt for liability coverage only which is about $551 a year or $46 a month.

Good drivers can save up to $567 a year in policy discounts for being safe and courteous on the roadways. Let’s 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 auto 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 Kia Rio and Ford Fiesta.

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

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?

The Ford Focus ST trim and model you choose can impact the total price you will pay for Ford Focus ST insurance coverage.

Age of the Vehicle

Older Ford Focus ST models generally cost less to insure. 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

Driver Age

Driver age can have a significant impact on the cost of Ford Focus ST auto insurance. For example, 20-year-old drivers pay as much as $1,741 more each year for their Ford Focus ST auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Focus ST insurance rates. For example, drivers in Phoenix may pay $756 a year less than drivers in Los Angeles.

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 car insurance with violations on their driving record.

Ford Focus ST Safety Ratings

The Ford Focus ST’s safety ratings will affect your Ford Focus ST auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Acceptable
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety

Ford Focus ST Crash Test Ratings

Poor Ford Focus ST crash test ratings could mean higher Ford Focus ST car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Ford Focus ST 5 4 5 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Ford Focus ST Safety Features

The Ford Focus ST safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Ford Focus ST auto insurance rates. The Ford Focus ST’s safety features include:

  • Rearview camera
  • Blind-spot monitoring
  • Rear cross-traffic alert
  • Rear parking sensors
  • Lane departure warning
  • Automatic high beams
  • Active park 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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Ford Focus ST Insurance

You have more options at your disposal to save money on your Ford Focus ST car insurance costs. For example, try these five tips:

  • Start Searching for New Ford Focus ST Car Insurance a Month Before Your Renewal
  • Ask About Ford Focus ST Low Mileage Discounts
  • Ask for a New Ford Focus ST Auto Insurance Rate Based on Your Improved Credit Score
  • Watch Your Insurer Closely When Your Ford Focus ST Needs Repairs
  • Ask About Mature Driver Discounts for Drivers Over 50

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

Compare Free Ford Focus ST Insurance Quotes Online

Start comparing Ford Focus ST car insurance quotes for free by using our convenient online comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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