Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 25, 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

Ford Focus RS insurance rates are $129 per month for full coverage and $52 per month for liability-only coverage. Continue reading to learn how you can save $637 per year on Ford Focus RS insurance rates.

You can start comparing quotes for Ford Focus RS insurance rates from some of the best auto insurance companies by using our free online tool now.

Ford Focus RS Insurance Cost

The average auto 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 R, and Volkswagen Beetle.

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

The Ford Focus RS trim and model you choose can impact the total price you will pay for Ford Focus RS auto insurance coverage.

Age of the Vehicle

The average Ford Focus RS auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Ford Focus RS cost $1,544, while the 2016 Ford Focus RS rates 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 impact on Ford Focus RS auto insurance rates. As an example, a 40-year-old driver could pay $163 less each month for their Ford Focus RS auto insurance compared to a 20-year-old driver.

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 auto insurance. Teens and drivers in their 20’s see the highest jump in their Ford Focus RS auto insurance with violations on their driving record.

Ford Focus RS Safety Ratings

The Ford Focus RS’s safety ratings will affect your Ford Focus RS auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side A
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Ford Focus RS Crash Test Ratings

Not only do good Ford Focus RS crash test ratings mean you are better protected in a crash, but good Ford Focus RS crash ratings also mean cheaper insurance rates.

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

The safety features of the Ford Focus RS can impact your Ford Focus RS insurance rates. The Ford Focus RS has the following safety features:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver Knee Airbag
  • Mykey System -inc: Top Speed Limiter, Audio Volume Limiter, Early Low Fuel Warning, Programmable Sound Chimes and Beltminder w/Audio Mute
  • Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point, Height Adjusters and Pretensioners
  • Back-Up Camera

Ford Focus RS Finance and Insurance Cost

When 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 insurance rates from the best companies using our FREE tool below.

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Ways to Save on Ford Focus RS Insurance

You have more options at your disposal to save money on your Ford Focus RS auto insurance costs. For example, try these five tips:

  • Purchase a Roadside Assistance Program for Your Ford Focus RS
  • Ask About Farm and Ranch Vehicle Discounts
  • Save Money on Young Driver Ford Focus RS Insurance By Mentioning Grades or GPA
  • Buy Winter Tires for Your Ford Focus RS
  • Pay Your Ford Focus RS Insurance Upfront

Top Ford Focus RS Insurance Companies

Several top auto insurance companies offer competitive rates for the Ford Focus RS rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Ford Focus RS 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
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Compare Free Ford Focus RS Insurance Quotes Online

You can start comparing quotes for Ford Focus RS insurance rates from some of the best auto insurance companies by using our free online tool now.