Buy Cheap Ford Focus RS Auto Insurance in 2024
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.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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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 $1,544 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.
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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 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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 air bags
- Side-impact air bags
- Overhead air bags
- Knee air bags
- 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.
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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 | |||
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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.
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Frequently Asked Questions
How can I find cheap auto insurance for my Ford Focus RS in 2023?
Finding cheap auto insurance for your Ford Focus RS in 2023 can be done by following these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Opt for a higher deductible: Choosing a higher deductible can lower your insurance premium.
- Maintain a clean driving record: Safe driving habits can lead to lower insurance rates.
- Bundle policies: Consider bundling your auto insurance with other policies, such as homeowner’s or renter’s insurance, to potentially receive a discount.
- Inquire about discounts: Ask insurance providers about any available discounts, such as good student discounts or multi-vehicle discounts.
What factors can affect the cost of auto insurance for a Ford Focus RS?
Several factors can influence the cost of auto insurance for a Ford Focus RS, including:
- Driving record: Your driving history, including accidents and traffic violations, can impact your insurance premium.
- Age and gender: Younger drivers and male drivers often have higher insurance rates.
- Location: Insurance rates can vary based on your location, including factors such as crime rates and accident statistics.
- Vehicle make and model: The Ford Focus RS is a high-performance vehicle, which can result in higher insurance costs due to the increased risk associated with sports cars.
- Coverage options: The level of coverage you choose, such as liability-only or comprehensive coverage, will affect the cost of your insurance.
Are there any specific insurance considerations for a Ford Focus RS?
Yes, there are a few insurance considerations specific to the Ford Focus RS:
- Performance car insurance: Due to its high-performance nature, the Ford Focus RS may require a specialized insurance policy that covers the unique risks associated with sports cars.
- Modifications: If you have made any modifications to your Ford Focus RS, such as engine upgrades or cosmetic changes, it’s essential to inform your insurance provider as it may affect your coverage and premiums.
What are the pros of buying cheap auto insurance for a Ford Focus RS in 2023?
The pros of purchasing cheap auto insurance for your Ford Focus RS in 2023 may include:
- Cost savings: Cheap insurance can help you save money on your monthly premiums.
- Legal compliance: Auto insurance is typically mandatory, so having affordable coverage ensures you meet legal requirements.
- Peace of mind: Knowing that you have insurance coverage in case of an accident or other unforeseen events can provide peace of mind.
What are the cons of buying cheap auto insurance for a Ford Focus RS in 2023?
While there can be advantages to cheap auto insurance, it’s important to consider the potential drawbacks, such as:
- Limited coverage: Cheap insurance policies may offer less coverage or have higher deductibles, leaving you with more out-of-pocket expenses in the event of an accident.
- Less comprehensive protection: Cheaper policies may not provide as extensive coverage options, leaving you more vulnerable to certain risks.
- Potential for inadequate customer service: Some low-cost insurance providers may not offer the same level of customer service or responsiveness as higher-priced alternatives.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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.