Compare Ford Focus ST Car Insurance Rates [2024]
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 rates can cost on average $5,022 a year, so shop around to find cheap coverage.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Dec 21, 2023
It’s all about you. We want to help you make the right coverage choices.
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 21, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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 on average $1,374 a year or $115 a month. Drivers of an older Ford Focus ST may opt for liability-only coverage which is about $551 a year or $46 a month. 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 car insurance costs 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, Kia Rio, and .
| 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 |
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
The average Ford Focus ST auto insurance rates are higher for newer models. For example, auto 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 New York may pay $838 a year more than drivers in Seattle.
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 car insurance rates are tied to the safety ratings of the Ford Focus ST. See the breakdown 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
Good Ford Focus ST crash test ratings mean the VW is safer, which could mean cheaper 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, 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
Drivers can end up saving more money on their Ford Focus ST car insurance rates by employing any one of the following strategies.
- Buy a Dashcam for Your Ford Focus ST
- Tell Your Insurer About Different Drivers or Uses for Your Ford Focus ST
- Ask About Discounts for People with Disabilities
- Get Ford Focus ST Auto Insurance Through Costco
- Ask Your Insurance Company About Ford Focus ST Discounts
Top Ford Focus ST Insurance Companies
Several top car insurance companies offer competitive rates for the Ford Focus ST rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Ford Focus ST drivers organized by 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
Save on your Ford Focus ST car insurance rates by taking advantage of our FREE comparison tool.
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Frequently Asked Questions
How much does insurance for a Ford Focus ST cost?
On average, it costs $115 per month or $1,374 per year.
Are Ford Focus STs expensive to insure?
They are slightly cheaper to insure compared to the average vehicle.
What factors affect Ford Focus ST insurance rates?
The vehicle’s trim and model, age, driver’s age and location, and driving record can impact insurance rates.
Can safety features lower Ford Focus ST insurance rates?
Yes, good safety features can help reduce insurance costs.
How can I save money on Ford Focus ST insurance?
Compare quotes, take advantage of discounts, maintain a clean record, and consider higher deductibles.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.