Ford Focus RS Insurance Cost [Rates + Cheap Coverage Guide]

The cost of Ford Focus RS auto insurance rates are $1,544 a year, or around $129 a month on average. Good drivers can save as much as $2,382 a year over higher risk drivers.

Compare Quotes Now

 Secured with SHA-256 Encryption

Sara Routhier, Managing Editor and Outreach Director, 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 world o...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 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.

Key takeaways:

  • Full coverage costs around $1,544 a year or $129 each month
  • A liability-only policy costs around $619 a year or $52 each month
  • Highest rates are for teenage drivers at around $5,643 a year or $470 each month
  • Good drivers can save as much as $637 a year by earning policy discounts
  • Ford Focus RS insurance costs around $25 more per year than the average vehicle

Don’t let shopping for Ford Focus RS insurance rates stress you out. Full coverage costs around $1,544 a year, or $129 each month. By understanding the factors that go into determining rates, from the age of your Ford Focus RS to your driving record, you can shop for the right insurance rates with ease.

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

Ford Focus RS Insurance Cost

The average Ford Focus RS car insurance rates are $1,544 a year or $129 a month.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Are Ford Focus RSs Expensive to Insure?

The chart below details how Ford Focus RS insurance rates compare to other subcompact hatchbacks like the Volkswagen Beetle, Mitsubishi Mirage, and Volkswagen Golf.

Vehicle Comprehensive Collision Liability Total
Ford Focus RS $332 $656 $398 $1,544
Volkswagen Beetle $280 $542 $332 $1,290
Mitsubishi Mirage $244 $448 $398 $1,248
Volkswagen Golf $306 $600 $390 $1,454
Volkswagen Golf R $372 $660 $390 $1,580
Honda Fit $268 $512 $258 $1,148
Compare RatesStart Now →

However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Focus RS Insurance?

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

Age of the Vehicle

The average Ford Focus RS car insurance rates are higher for newer models. For example, car insurance for a 2018 Ford Focus RS costs $1,544, while 2016 Ford Focus RS insurance costs are $1,510, a difference of $34.

Model Year Comprehensive Collision Liability Total
2018 Ford Focus RS $332 $656 $398 $1,544
2017 Ford Focus RS $320 $640 $416 $1,534
2016 Ford Focus RS $310 $612 $430 $1,510
Compare RatesStart Now →

Driver Age

Driver age can have a significant effect on Ford Focus RS car insurance rates. For example, 30-year-old drivers pay $68 more for Ford Focus RS car insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Focus RS insurance rates. For example, drivers in Houston may pay $1,137 a year more than drivers in Columbus.

Your Driving Record

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

Ford Focus RS Safety Ratings

Your Ford Focus RS auto insurance rates are tied to the Ford Focus RS’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
Compare RatesStart Now →

Ford Focus RS Crash Test Ratings

If the Ford Focus RS crash test ratings are good, you could have lower Ford Focus RS car insurance rates. See Ford Focus RS crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2018 Ford Focus RS 5 HB AWD 5 stars 4 stars 5 stars 4 stars
2017 Ford Focus RS 5 HB AWD 5 stars 4 stars 5 stars 4 stars
2016 Ford Focus RS 5 HB AWD N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
Compare RatesStart Now →

Ford Focus RS Safety Features

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

  • Anti-lock brakes
  • Stability control
  • Front-impact airbags
  • Side-impact airbags
  • Overhead airbags
  • Knee airbags
  • Seatbelt pretensioners
  • Security system

Ford Focus RS Finance and Insurance Cost

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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Ways to Save on Ford Focus RS Insurance

There are many ways that you can save on Ford Focus RS car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Ford Focus RS car insurance rates low.

  • Ask About Welcome Discounts
  • Consider Ride Sharing Services to Lower Your Ford Focus RS Mileage
  • Park Your Ford Focus RS Somewhere Safe – like a Garage or Private Driveway
  • Take Advantage of Referral Fees
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts

Top Ford Focus RS Insurance Companies

Who is the best auto insurance company for Ford Focus RS insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Focus RS auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Focus RS 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
Compare RatesStart Now →

Compare Free Ford Focus RS Insurance Quotes Online

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption