How to Find Cheap Ford Focus RS Insurance Quotes

Auto insurance rates for a Ford Focus RS average $1,544 a year, or around $129 a month. Good drivers can save as much as $2,382 a year over higher risk drivers.

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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...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2020

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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

Good drivers can save up to $637 a year on their Ford Focus RS insurance rates by earning policy discounts. In total, average Ford Focus RS car insurance rates amount to $1,544 a year, or $129 a month. Learn all about how driver age and location, the vehicle’s safety features, and more influence Ford Focus RS rates in this comprehensive article.

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 car insurance costs for a Ford Focus RS are $1,544 a year or $129 a month.

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Are Ford Focus RSs Expensive to Insure?

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

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

Even though the average annual rate for the Ford Focus RS is $1,544, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Ford Focus RS.

Age of the Vehicle

Older Ford Focus RS models generally cost less to insure. For example, auto 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
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Driver Age

Driver age can have a significant effect on the cost of Ford Focus RS car insurance. For example, 30-year-old drivers pay approximately $68 more for their 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 New York may pay $402 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on the cost of Ford Focus RS car 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 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
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Ford Focus RS Safety Features

Good Ford Focus RS safety features can result in insurers giving you car insurance discounts. The safety features for the 2018 Ford Focus RS are:

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

Ford Focus RS Finance and Insurance Cost

If you are financing a Ford Focus RS, most lenders will require your carry higher Ford Focus RS coverage options including comprehensive coverage, so be sure to shop around and compare Ford Focus RS auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Ford Focus RS Insurance

Save more on your Ford Focus RS car insurance rates. Take a look at the following five strategies that will get you the best Ford Focus RS auto insurance rates possible.

  • Ask for a New Ford Focus RS Auto Insurance Rate Based on Your Improved Credit Score
  • Improve Your Credit Score
  • Check Your Ford Focus RS Policy Carefully to Ensure All Information is Correct
  • Carpool to Work Instead of Driving Your Ford Focus RS
  • Watch Your Insurer Closely When Your Ford Focus RS Needs Repairs

Top Ford Focus RS Insurance Companies

Who is the top car 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
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Compare Free Ford Focus RS Insurance Quotes Online

Save money by comparing Ford Focus RS insurance rates with free quotes online now!

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