Buy Cheap Ford Focus ST Auto Insurance in 2023
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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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Jun 13, 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 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.
UPDATED: Jun 13, 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 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.
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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 |
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 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 | |
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 | ||||
|---|---|---|---|---|
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 air bags
- 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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Frequently Asked Questions
Can I find cheap auto insurance for a Ford Focus ST in 2023?
Yes, it is possible to find affordable auto insurance for a Ford Focus ST in 2023. However, the actual cost of insurance will depend on various factors such as your location, driving history, age, and the specific insurance provider you choose.
What can I do to get cheap auto insurance for my Ford Focus ST?
To get cheap auto insurance for your Ford Focus ST, consider the following:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record with no accidents or traffic violations.
- Opt for a higher deductible, if you can afford it.
- Inquire about available discounts, such as safe driver discounts or multi-policy discounts.
- Consider installing safety features in your vehicle, like anti-theft devices.
Are there any disadvantages to buying cheap auto insurance?
While cheap auto insurance can help save money, it may come with some disadvantages:
- Limited coverage options: Cheaper policies may offer less coverage or exclude certain benefits.
- Higher deductibles: Lower premiums often mean higher deductibles, which can result in higher out-of-pocket expenses in the event of a claim.
- Less personalized service: Lower-cost insurance companies may have limited customer support options or fewer resources for handling claims efficiently.
What are the benefits of buying cheap auto insurance?
Some benefits of buying cheap auto insurance include:
- Cost savings: Cheap auto insurance typically comes with lower premiums, which can help save money.
- Compliance with legal requirements: Having any form of insurance coverage is necessary to comply with legal requirements in most jurisdictions.
- Basic protection: Even cheaper policies offer some level of coverage, protecting you financially against potential liabilities and damages.
How can I find the best insurance provider for my Ford Focus ST?
To find the best insurance provider for your Ford Focus ST, consider the following:
- Research different insurance companies and read reviews from other policyholders.
- Check their financial stability and customer satisfaction ratings.
- Compare quotes from multiple providers to ensure you get the best coverage at a competitive price.
- Consider the provider’s reputation for handling claims efficiently and providing good customer service.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
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.