How to Find Cheap Ford Focus ST Insurance Quotes

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.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 17, 2020

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 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.

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 $1,374 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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

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
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 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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

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 RatesStart Now →

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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State