How Much is Insurance for a Ford Focus ST?

If you want to buy Ford Focus ST insurance coverage then a policy will cost $115 per month ($1,374 per year) on average. Finding Ford Focus ST teenager insurance coverage can cost on average $5,022 a year, so shop around to find cheap rates.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 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

Most Ford Focus ST owners will find that insurance rates are reasonable. Ford Focus ST insurance costs around $145 less per year than the average vehicle. Our guide goes over Ford Focus ST insurance rates in detail, so read on to learn how to save.

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 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
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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?

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
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Driver Age

Driver age can have a significant effect on the cost of Ford Focus ST car insurance. For example, 30-year-old drivers pay approximately $60 more for their Ford Focus ST car 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 Jacksonville may pay $824 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 car insurance with violations on their driving record.

Ford Focus ST Safety Ratings

Your Ford Focus ST auto insurance rates are tied to the Ford Focus ST’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Ford Focus ST Crash Test Ratings

Good Ford Focus ST crash test ratings can lower your Ford Focus ST auto insurance rates. See Ford Focus ST crash test results below:

Vehicle Tested Overall Frontal Side Rollover
Ford Focus ST 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 ST Safety Features

The numerous safety features of the Ford Focus ST help contribute to lower insurance rates. The 2020 Ford Focus ST has the following safety features:

  • Rearview camera
  • 7 airbags
  • 4-wheel anti-lock disc brakes
  • Electronic brake assist
  • Stability control
  • Seatbelt pretensioners

Ford Focus ST Finance and Insurance Cost

If you are financing a Ford Focus ST, most lenders will require your carry higher Ford Focus ST coverage options including comprehensive coverage, so be sure to shop around and compare Ford Focus ST car insurance rates 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:

  • Get Cheaper Ford Focus ST Car Insurance Rates as a Full-Time Parent
  • Remove Young Drivers from Your Ford Focus ST Insurance Plan
  • Ask About a Student Away from Home Discount
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Make Sure You’re Raising a Safe Driver

Top Ford Focus ST Insurance Companies

Who is the top car insurance company for Ford Focus ST insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Focus ST auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Focus ST 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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Start comparing Ford Focus ST auto insurance quotes for free by using our FREE online comparison tool.

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