Ford Focus Insurance for 18 Year Old
In order to insure an 18 year old driver on a Ford Focus you should be ready to spend about $417 per month or $5,000 a year on his/her insurance costs, on average.
Ford Focus Insurance for 17 Year Old
Ford Focus insurance cost for 17 year old drivers is around $500 per month or $6,000 per month on average. Rates always vary based on individual factors, but you should expect to pay high premium rates.
Ford Focus ST Insurance: What You Need to Know
Like we mentioned, Ford also released their ST model of the Focus. This model is capable of generating 252 bhp with its small 2.0-Liter 4-cylinder engine and features advanced chassis control, a sporty body kit, and is available in bright racing colors such as yellow, blue, and bright red.
Why Is Ford Focus ST Insurance More Expensive Than The Average Ford Focus Insurance?
Car insurance companies generally charge a little bit more for this model since it's more expensive and it's classified as a racing sedan. As a result, these Ford Focus insurance rates are going to be significantly more pricey than your typical Ford Focus car insurance.
Ford Focus ST Insurance Cost
The average cost of ST auto insurance is more than $2,900 per year for a full coverage policy. That's more than double the average cost of the average Ford Focus auto insurance.
Ford Focus ST Insurance for 18-year-old
If you're looking for Ford Focus ST insurance for 18-year-old drivers, then it's very likely that you'll pay very high premium rates. On average, you should expect to pay at least $625 a month, or $7,500 per year to cover full coverage car insurance costs.
Since they're younger drivers, they're statistically more likely to be involved in accidents and be considered "at fault" in those accidents.
The prefrontal cortex (which governs risk-taking) is not fully developed until most teens are past the age of 25, which is one of the main reasons why they exhibit more dangerous driving behavior. In turn, this makes auto insurance rates significantly more expensive for any car, and especially for a Focus ST model (despite its numerous safety features).
Once a driver passes the age of 25, though, auto insurance rates almost always decrease and become a lot more affordable. Once the driver hits their 30s, then insurance will continue to decrease as long as they maintain a good driving record.
Ford Focus RS Insurance Cost
Ford Focus RS insurance price is about $125 per month or $1,500 per year on average. That's slightly above the average Ford Focus insurance rates, but not significantly like the Ford Focus ST.
Ford Focus Insurance FAQ
As mentioned, the Ford Focus is incredibly popular among younger drivers who don't need the extra storage and large seats that come with a larger sedan like the Toyota Camry or the Chevy Cruze. It's sporty, compact, fuel-efficient, and it's easy to park on a campus or in a bustling city street. It is also among the cheapest cars to insure for teenage drivers. Here are some of the top questions we get regarding Focus car insurance rates and how to get the best deal.
Is Ford Focus Expensive to Insure?
The Ford Focus is a relatively affordable vehicle to purchase auto insurance for. The average cost to insure a Ford Focus is just under $1,350 per year for a full coverage policy that includes the following coverage plans:
Personal injury liability coverage.
Property damage liability coverage.
Personal injury protection.
Collision coverage.
Comprehensive coverage.
Uninsured/Underinsured motorist coverage.
All in all, that evens out to an average monthly premium payment of around $110 per month, not including any sign-up fees.
What Is the Cheapest Ford Focus to Insure? (by Year Model)
Generally speaking, the older and more basic the car is, the cheaper your auto insurance will be. In this case, one of the cheapest Ford Focus insurance costs can be found in the 2008 Ford Focus. It has an average annual insurance cost of $870 per year for a full coverage policy. That's pretty affordable!
Is Ford Focus a Reliable Car?
One of the main reasons why the Ford Focus has become such a popular vehicle is that it's incredibly reliable. This is true in regards to safety features, engine durability, and gas mileage. The Ford Focus crash test results show nothing but supreme durability and the small 4-cylinder engines are known to last upwards of 200,000 miles or more before they experience significant issues.
Does Ford Focus Have Good Crash Test Ratings?
One of the best reasons to purchase a Ford Focus is that they're incredibly safe vehicles. It's been awarded a 5/5 rating by the National Highway and Transport Safety Administration. This means that if you're involved in a crash, there's a high likelihood that you and your passengers will survive.
What does this mean for your insurance costs? Well, because it's a safer car, it means that your average annual insurance premium should be slightly cheaper.
