Ford Focus St: Insurance Costs And Coverage Options

The cost of auto insurance for a Ford Focus ST varies depending on several factors, including the driver's age, location, driving history, and chosen insurance provider. On average, a policy for a Ford Focus ST costs $1,374 per year or $115 per month. However, insurance rates for teenagers can be significantly higher, with an average cost of around $5,022 per year. The choice of insurance provider also plays a crucial role, with State Farm and GEICO often offering the most affordable rates.

Full coverage insurance for a Ford Focus costs $1,384 yearly

Full Coverage Insurance for a Ford Focus

Average Cost of Full Coverage Insurance

The average cost of full coverage car insurance in the US is $1,718 per year, or about $143 per month. However, this can vary significantly depending on personal factors and your location. For example, Wyoming has the cheapest full coverage insurance at $972 per year, while Florida has the most expensive at $3,067 per year.

Cost of Full Coverage Insurance for a Ford Focus

The cost of full coverage insurance for a Ford Focus is $1,384 per year, or about $115 per month. This is $145 less per year than the average vehicle. The cost of insurance will vary depending on the model year of your Ford Focus. For example, a 2018 model will cost around $1,501 per year to insure, while a 2009 model will cost around $1,221.

Cheapest Insurance Providers for a Ford Focus

According to one source, the cheapest insurance providers for a Ford Focus are:

• State Farm: $1,045 per year
• GEICO: $1,126 per year
• Progressive: $1,319 per year
• Allstate: $1,424 per year
• Farmers: $1,598 per year

However, it's important to shop around and compare quotes from multiple providers, as rates can vary significantly. You may also be able to save money by taking advantage of discounts offered by insurance companies, such as good driver discounts or multi-policy discounts.

The cheapest insurance company for a Ford Focus is State Farm

State Farm also has a strong reputation for delivering a good customer experience. The company offers an extensive line-up of discounts that could make your policy even more affordable. For example, State Farm's basic add-on coverages include roadside assistance, which covers towing, locksmith services, mechanical labor, and the delivery of gas, tires, a battery, or oil.

State Farm also offers rental car and travel expense reimbursement coverage. This means that in a covered claim, you can get a rental car and up to $500 in travel-related expense reimbursement while your car is being repaired.

State Farm is also the cheapest insurer for a Ford Focus, regardless of the model year. For example, a full coverage policy for a 2009 model costs $927 annually, while a 2018 model costs $1,180 per year.

The average insurance cost for a Ford Focus is $238 a month or $2,856 a year

Age

The cost of insurance for a Ford Focus can vary significantly depending on the age of the driver. For example, a 16-year-old driver with full coverage can expect to pay around $6,167 per year, while a 40-year-old driver with the same policy will pay approximately $1,338. Teen insurance is significantly more expensive due to their lack of driving experience.

Location

The location of the driver also plays a crucial role in determining insurance costs. For instance, a 30-year-old driver in London, United Kingdom, may pay £4,397 for comprehensive insurance, while a 40-year-old in the same city will pay only £862. Similarly, in the United States, insurance costs vary by state, with Idaho being the cheapest and Florida the most expensive.

Insurance Group

Ford Focus models fall into insurance groups ranging from 7 to 41 in the United Kingdom. The insurance group of a vehicle is determined by various factors, including the car's price, engine size, and safety features. Choosing a model in a lower insurance group can help keep insurance costs down.

Model Year

The age and model year of the Ford Focus can also impact insurance rates. Generally, newer models tend to be more expensive to insure since older cars have a lower value and are usually cheaper to repair or replace. For example, the annual insurance cost for a 2009 Ford Focus is around $1,221, while a 2018 model costs approximately $1,501.

Other Factors

Other factors that can influence insurance rates include the driver's credit history, job, safety rating of the car, security features, and driving history. Additionally, the type of insurance coverage, such as full coverage or liability-only, will also affect the cost.

The Ford Focus is a cheap compact car to insure

The cost of auto insurance varies depending on factors such as the driver's age, location, driving history, and the vehicle's trim and model year. For example, a 16-year-old driver with a Ford Focus can expect to pay around $6,167 per year for full coverage, while a 40-year-old driver with the same policy would pay approximately $1,338.

Additionally, older Ford Focus models are generally less expensive to insure. A 2018 Ford Focus, for instance, costs around $1,501 per year to insure, while a 2013 model costs about $1,268, a difference of $106.

The safety features of the Ford Focus also contribute to lower insurance rates. The car has consistently high safety ratings due to features like the AdvanceTrac ESC and anti-theft system. The 2017 model received a 5-Star Overall Safety Rating from the National Highway Traffic Safety Administration.

Furthermore, the Ford Focus has one of the lowest depreciation values compared to other cars, which can help keep insurance costs down. However, this also means that insurance rates may not decrease as quickly over time.

In summary, the Ford Focus is a relatively inexpensive compact car to insure, and by comparing quotes from multiple insurance providers and considering factors like age, location, and driving history, drivers can find competitive rates for their Ford Focus insurance.

The average Ford Focus ST car insurance rate is $1,374 a year or $115 a month

The average cost of car insurance for a Ford Focus ST is $1,374 a year, or $115 a month. This is a reasonable rate compared to other vehicles, with Ford Focus ST insurance costing around $145 less per year than the average car.

However, insurance rates can vary significantly depending on several factors, such as the driver's age, location, driving history, and chosen coverage options. For example, a liability-only policy for a Ford Focus ST costs around $551 a year, or $46 per month, while insurance for teenage drivers can be as high as $5,022 annually, or $419 monthly.

It's important to note that insurance rates are also influenced by the vehicle's trim and model year, with older models generally being cheaper to insure. Additionally, factors such as safety and anti-theft features, the driver's credit score, marital status, and gender can also impact the overall insurance cost.

When considering insurance for a Ford Focus ST, it's recommended to shop around and compare quotes from multiple providers, as rates can vary between companies.

Frequently asked questions