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Ford Focus ST insurance rates are around $145 less per year, partly due to its good safety ratings. Full coverage costs around $1,374 a year or $115 a month. Good drivers can save up to $567 a year in policy discounts by practicing safe driving habits. 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.
Table of Contents
The average Ford Focus ST car insurance rates are $1,374 a year or $115 a month.
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.
The Ford Focus ST trim and model you choose can impact the total price you will pay for Ford Focus ST car insurance coverage.
Older Ford Focus ST models generally cost less to insure. For example, auto insurance rates for a 2018 Ford Focus ST are $1,374, while 2013 Ford Focus ST rates 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 can have a significant impact on Ford Focus ST auto insurance rates. For instance, a 30-year-old driver may pay $60 more each year for Ford Focus ST auto insurance than a 40-year-old driver.
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 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 auto insurance rates with violations on their driving record.
The Ford Focus ST’s safety ratings will affect your Ford Focus ST car insurance rates. See the chart 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 | |
The crash test ratings of the Ford Focus ST can impact your 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 can lower the cost of your insurance. The safety features for the 2020 Ford Focus ST include:
If you are financing a Ford Focus ST, you will pay more if you purchase Ford Focus ST auto insurance at the dealership, so be sure to shop around and compare Ford Focus ST auto insurance quotes from the best companies using our FREE tool below.
You have more options at your disposal to save money on your Ford Focus ST car insurance costs. For example, try these five tips:
Who is the top auto 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 | |||
You can start comparing quotes for Ford Focus ST insurance from some of the top car insurance companies by using our free online tool today.
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