Best Ford Focus ST Car Insurance Quotes (2024)
Ford Focus ST insurance rates average at $115 a month for drivers with good records. Teen drivers and high risk drivers may have a harder time finding cheap insurance rates. Compare rates with this guide to find the cheapest Ford Focus ST insurance coverage.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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.
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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.
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Frequently Asked Questions
How can I find the best Ford Focus ST car insurance quotes?
To find the best Ford Focus ST car insurance quotes, you can start by shopping around and comparing quotes from different insurance providers. You can use online comparison tools or reach out to insurance agents or brokers who specialize in high-performance car insurance.
What factors affect the cost of Ford Focus ST car insurance?
Several factors can affect the cost of Ford Focus ST car insurance, including the age and driving history of the driver, the location where the car is parked, the coverage and deductible amounts, and the overall value of the vehicle. High-performance cars may also have higher insurance rates due to their specialized technology and repair costs.
What type of coverage should I consider for my Ford Focus ST car insurance?
The type of coverage you should consider for your Ford Focus ST car insurance depends on your individual needs and preferences. Some common coverage options include liability insurance, collision insurance, comprehensive insurance, and uninsured/underinsured motorist coverage. You may also want to consider specialized coverage for high-performance car components.
How much Ford Focus ST car insurance coverage do I need?
The amount of Ford Focus ST car insurance coverage you need depends on a variety of factors, including your personal assets, your driving habits, and your budget. It is recommended that you have at least enough coverage to cover the value of your vehicle and any potential liabilities that may arise from accidents or other incidents.
Can I get discounts on Ford Focus ST car insurance?
Yes, many insurance providers offer discounts for Ford Focus ST car insurance. Some common discounts include safe driver discounts, multiple car discounts, and bundling discounts for combining auto and home insurance policies. However, high-performance cars may not be eligible for all discounts.
What should I do if I need to file a claim for my Ford Focus ST car insurance?
If you need to file a claim for your Ford Focus ST car insurance, you should contact your insurance provider as soon as possible. They will guide you through the claims process and help you get the necessary repairs or compensation for damages or losses. Be sure to provide all necessary information about your high-performance car components and any specialized repair needs.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many different insurance providers, which gives him unique insight into the insurance market...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.