Cheap Ford Focus ST Car Insurance in 2024 (Earn Savings With These 10 Companies!)
State Farm, Progressive, and Safeco Insurance excel in providing cheap Ford Focus ST car insurance, with rates starting at $80 per month. Known for their comprehensive coverage and top-notch customer service, these insurers offer budget-conscious drivers quality protection at affordable prices.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 22, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Min. Coverage for Ford Focus ST
A.M. Best Rating
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13,128 reviews
1,171 reviewsCompany Facts
Min. Coverage for Ford Focus ST
A.M. Best Rating
Complaint Level
Pros & Cons
1,171 reviews
State Farm, Progressive, and Safeco Insurance stand out as the top picks overall for cheap Ford Focus ST car insurance, with rates starting at $80 per month.
These companies offer comprehensive coverage tailored to the needs of Ford Focus ST owners, ensuring quality protection at budget-friendly prices.
Our Top 10 Company Picks: Cheap Ford Focus ST Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $80 B Local Agents State Farm
#2 $82 A+ Competitive Rates Progressive
#3 $83 A Competitive Rates Safeco
#4 $84 A++ Customizable Policies Travelers
#5 $85 A+ Customer Service Amica
#6 $86 A+ SmartRide® Program Nationwide
#7 $87 A Comprehensive Coverage American Family
#8 $88 A Comprehensive Coverage Farmers
#9 $90 A+ Drivewise® Program Allstate
#10 $92 A Multi-Policy Discounts Liberty Mutual
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By comparing quotes from these top providers, drivers can secure reliable coverage without compromising on affordability or service quality.
- State Farm, at $80/month, tops for cheap Ford Focus ST insurance
- Explore tailored coverage options for Ford Focus ST owners
- Compare quotes for quality, budget-friendly protection
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#1 – State Farm: Top Overall Pick
Pros
- Extensive Local Agent Network: State Farm insurance review & ratings showcase the company’s customized coverage through its extensive network of local agents, ensuring personalized service and support.
- Competitive Rates: With rates starting at $80 per month, State Farm offers some of the most affordable premiums for Ford Focus ST insurance.
- Excellent Mobile App: State Farm’s mobile app is highly rated for its user-friendly interface and comprehensive features, including claims tracking and policy management.
Cons
- Limited Online Services: Compared to some competitors, State Farm’s online tools and mobile app features are less robust.
- Higher Rates for Young Drivers: Younger drivers may find State Farm’s rates higher compared to other companies.
#2 – Progressive: Best for Competitive Rates
Pros
- Competitive Rates: Progressive offers rates starting at $82 per month, making it an affordable option for many drivers.
- High Financial Strength: Progressive insurance review & ratings highlight the company’s customized coverage options, supported by an A+ rating from A.M. Best, showcasing its financial reliability and stability.
- Innovative Discounts: Progressive offers unique discounts, such as those for signing up online and usage-based discounts through the Snapshot program.
Cons
- Mixed Customer Service Reviews: While many customers are satisfied, Progressive has received mixed reviews regarding its customer service.
- Complex Claims Process: Some customers report that the claims process can be more complicated and time-consuming compared to other insurers.
#3 – Safeco: Best for Customizable Policies
Pros
- Competitive Rates: Starting at $83 per month, Safeco offers affordable insurance premiums for Ford Focus ST owners.
- Strong Financial Rating: Safeco insurance review & ratings indicate an A rating from A.M. Best, showcasing the company’s ability to offer customized coverage for its customers’ specific needs.
- Customizable Policies: Safeco provides a variety of add-on options and customizable policies to fit different needs and budgets.
Cons
- Limited Availability: Safeco’s policies are not available in all states, which can limit accessibility for some drivers.
- Average Customer Service: Customer service experiences with Safeco are generally average, with some customers reporting issues with responsiveness and support.
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#4 – Travelers: Best for Competitive Rates
Pros
- Customizable Policies: Travelers offers highly customizable insurance policies, allowing you to tailor coverage to your specific needs.
- Excellent Financial Strength: With an A++ rating from A.M. Best, Travelers is extremely reliable for financial stability and claims handling.
- Competitive Rates: Travelers insurance review & ratings shows the company has customized coverage for Ford Focus ST insurance, starting at $84 per month.
Cons
- Average Customer Service: While generally satisfactory, Travelers’ customer service is sometimes rated as average compared to top competitors.
- Fewer Discounts: Travelers offers fewer discount options compared to some other insurers, which might limit savings opportunities.
#5 – Amica: Best for Customer Service
Pros
- Outstanding Customer Service: Amica car insurance discounts showcase the company’s tailored coverage options, emphasizing its commitment to providing customized protection for its customers.
- Financial Stability: With an A+ rating from A.M. Best, Amica is a reliable and financially strong insurer.
- Comprehensive Coverage Options: Amica offers a variety of comprehensive coverage options, ensuring robust protection.
Cons
- Higher Rates: At $85 per month, Amica’s rates are slightly higher compared to some other top insurers.
- Limited Local Agents: Amica has fewer local agents, which might be a disadvantage for those preferring face-to-face service.
#6 – Nationwide: Best for Wide Range of Discounts
Pros
- SmartRide® Program: Nationwide offers the SmartRide® program, which provides discounts based on safe driving habits.
- Financial Strength: Nationwide insurance review & ratings highlight the company’s tailored coverage for different insurance needs, backed by an A+ rating from A.M. Best for strong financial reliability.
- Wide Range of Discounts: Nationwide offers various discounts, helping to lower premiums for qualifying drivers.
Cons
- Higher Premiums: Starting at $86 per month, Nationwide’s premiums are higher compared to some other insurers.
- Complex Discount Eligibility: The criteria for some discounts can be complex and may require monitoring driving habits.
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#7 – American Family: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage Options: American Family offers a wide range of comprehensive coverage options to meet various needs.
- Financial Stability: Rated A by A.M. Best, American Family is financially reliable and dependable for claims.
- Strong Customer Support: American Family insurance review & ratings reflects the company’s dedication to offering customized coverage, highlighting its commitment to tailored protection for customers.
Cons
- Higher Rates: At $87 per month, American Family’s insurance rates are relatively higher compared to some other providers.
- Limited Online Tools: Their online services and digital tools are not as advanced as some competitors.
#8 – Farmers: Best for Multiple Discounts
Pros
- Comprehensive Coverage: Farmers insurance review & ratings show the company’s emphasis on customized coverage options, highlighting their commitment to providing tailored protection for your vehicle.
- Financial Stability: With an A rating from A.M. Best, Farmers is reliable and financially secure.
- Multiple Discounts: Farmers provides a variety of discount options, helping to reduce overall insurance costs.
Cons
- Higher Premiums: Starting at $88 per month, Farmers’ rates are on the higher side.
- Mixed Customer Service Reviews: Customer service experiences are mixed, with some customers reporting issues with claims processing.
#9 – Allstate: Best for Extensive Coverage
Pros
- Drivewise® Program: Allstate offers the Drivewise® program, rewarding safe driving with discounts.
- Financial Strength: Allstate insurance review & ratings demonstrate the company’s top rated A+ by A.M. Best, for its strong financial health.
- Extensive Coverage Options: Allstate offers a wide range of coverage options, providing flexibility and comprehensive protection.
Cons
- Higher Rates: With rates starting at $90 per month, Allstate’s premiums are higher compared to some competitors.
- Average Customer Service: Customer service ratings are average, with some reports of slow responses and claim processing.
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#10 – Liberty Mutual: Best for Financial Reliability
Pros
- Multi-Policy Discounts: Liberty Mutual offers significant discounts for bundling multiple policies, such as home and auto insurance.
- Financial Reliability: With an A rating from A.M. Best, Liberty Mutual is financially stable and dependable.
- Customizable Coverage: Liberty Mutual insurance review & ratings showcase the company’s variety of customizable coverage options to suit different needs.
Cons
- Higher Premiums: Starting at $92 per month, Liberty Mutual’s rates are among the highest in this list.
- Variable Customer Service: Customer service experiences can be inconsistent, with some customers reporting dissatisfaction with claims handling.
Cracking Ford Focus ST Insurance Premiums
Car insurance premiums are the amount you pay to your insurance provider for coverage. These premiums can vary from person to person and are determined by several factors. The Ford Focus ST is a high-performance vehicle, which means it may come with higher insurance premiums compared to a standard vehicle.
- High-performance cars like the Ford Focus ST are linked to higher risk due to their power and speed capabilities, influencing insurance premiums.
- Younger drivers, particularly those under 25, are often seen as higher risk by insurers, leading to potentially higher premiums for Ford Focus ST owners in this age group.
- The location where the Ford Focus ST is driven and parked can also affect insurance premiums, with areas prone to accidents or theft potentially leading to increased costs.
If the car is driven and parked in an area with high rates of car theft or vandalism, insurance providers may charge higher premiums to account for the increased risk. To gain further insights, consult our comprehensive guide titled “Best Anti Theft System Car Insurance Discounts.”
Additionally, if the car is driven in an area with heavy traffic or a high number of accidents, insurance premiums may also be higher. It is important to consider these factors when determining the cost of insuring a Ford Focus ST.
Smart Tips for Comparing Ford Focus ST Insurance Quotes
Searching for car insurance for your Ford Focus ST, it’s crucial to compare quotes from multiple insurance providers to find the best coverage and price tailored to your specific needs. Each company offers different rates and discounts, making it essential to shop around using online comparison tools or with the help of an independent insurance agent.
While considering cost is important, it’s equally vital to review the level of coverage provided by each insurer to ensure adequate protection in case of accidents or unforeseen events. Pay attention to coverage limits, deductibles, and any additional benefits or add-ons offered by the insurance companies. For additional details, explore our comprehensive resource titled “What is embedded deductible?.”
Additionally, assess the reputation and customer service of each provider by reading reviews and testimonials from other Ford Focus ST owners and reaching out directly to ask questions. A responsive and reliable insurance company will give you peace of mind, knowing they’ll be there to support you when needed.
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Influencing Factors on Ford Focus ST Insurance Rates
Insuring your Ford Focus ST, several key factors come into play, influencing the rates you’ll pay for coverage. From your location and driving history to age-related considerations and coverage options, understanding these factors is essential in making informed insurance decisions.
- Location: Your area of residence can significantly impact insurance rates, especially if it has high crime rates or accident risks.
- Driving History: A clean driving record can lead to lower premiums, while accidents or traffic violations may increase rates.
- Age, Gender, and Coverage Options: Younger drivers, particularly males under 25, often face higher rates. Your chosen coverage type and amount also directly influence premiums. To delve deeper, refer to our in-depth report titled “What age do you get cheap car insurance?.”
In navigating the world of insurance for your Ford Focus ST requires awareness of the factors that impact your rates. By considering your location, driving record, age, and coverage needs, you can make informed choices to ensure both adequate protection and reasonable premiums for your prized vehicle.
Ford Focus ST Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $90 $180
American Family $87 $177
Amica $85 $175
Farmers $88 $178
Liberty Mutual $92 $185
Nationwide $86 $175
Progressive $82 $170
Safeco $83 $172
State Farm $80 $165
Travelers $84 $174
By evaluating these factors and making informed choices, you can strike a balance between adequate protection and manageable insurance costs for your cherished Ford Focus ST.
Ford Focus ST Insurance: Misconceptions & Comprehensive Coverage
Insuring a Ford Focus ST, common misconceptions often arise about its insurance rates. While it’s a high-performance car, rates can vary based on factors like driving history and location. Understanding these factors helps in making informed decisions for affordable coverage.
Additionally, given its value and capabilities, opting for comprehensive coverage is crucial. This coverage shields your vehicle from theft, vandalism, and natural disasters, ensuring financial protection in various scenarios. Although it may increase premiums, the peace of mind it offers is invaluable for Ford Focus ST owners.
Smart Strategies for Ford Focus ST Insurance Savings
Navigating car insurance for a Ford Focus ST can be daunting, but with the right strategies, you can save significantly on premiums while ensuring optimal coverage. Here are key tips to help you find affordable insurance without compromising on protection.
- Consider a higher deductible for potential monthly premium reductions, but be prepared for increased out-of-pocket costs in case of a claim.
- Inquire about available discounts, such as those for good grades (if applicable), vehicle safety features, or bundling insurance policies.
- Maintain a clean driving record to keep insurance rates lower, and explore mileage-based insurance if your Ford Focus ST is not used frequently. For a thorough understanding, refer to our detailed analysis titled “Mileage-Based Car Insurance: A Complete Guide.”
By implementing these smart strategies, you can secure cost-effective insurance for your Ford Focus ST, giving you peace of mind on the road without breaking the bank.
Tim Bain Licensed Insurance Agent
Remember, a little proactive effort in understanding insurance options can lead to substantial savings in the long run.
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Coverage Options for Your Ford Focus ST
When selecting car insurance for your Ford Focus ST, it’s crucial to explore the various coverage options to ensure adequate protection.
These options include liability coverage for damages caused to others, collision coverage for your vehicle’s repairs after a crash, comprehensive coverage against non-collision incidents like theft or natural disasters, and uninsured/underinsured motorist coverage for accidents involving inadequately insured drivers.
Understanding these coverage types helps you tailor your insurance to suit your specific needs and protect your Ford Focus ST comprehensively. To expand your knowledge, refer to our comprehensive handbook titled “Full Coverage Car Insurance: A Complete Guide.”
Saving on Ford Focus ST Car Insurance: Tips and Tricks
In addition to the tips mentioned earlier, there are several other ways you can save money on car insurance for your Ford Focus ST. Some strategies include:
- Pay Annually: Many insurance providers offer discounts if you pay your premium in full annually instead of monthly.
- Improve Credit Score: Maintaining a good credit score can help lower your insurance rates as many providers use credit-based insurance scores as a factor in determining premiums.
- Consider Usage-Based Insurance: Some insurance companies offer policies where your rates are based on your driving habits. If you’re a safe driver, this could potentially result in lower rates. To gain profound insights, consult our extensive guide titled “Best Safe Driver Car Insurance Discounts.”
Implementing these additional strategies can further enhance your efforts to save on car insurance for your Ford Focus ST. Opting to pay your premium annually instead of monthly can often lead to discounts from insurance providers.
Additionally, maintaining a good credit score can have a positive impact on your insurance rates, as many companies use credit-based insurance scores in their calculations.
Driving Tips for Lower Ford Focus ST Insurance Costs
Follow traffic laws diligently, including speed limits, stop signs, and traffic signals, to reduce the risk of accidents and traffic violations. Eliminate distractions like using your phone or eating while driving to stay focused on the road. For a comprehensive overview, explore our detailed resource titled “Roadside Assistance Coverage: A Complete Guide.”
By following these tips, you not only promote safer driving but also create opportunities to lower your insurance costs, providing both financial benefits and peace of mind on the road.
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Case Studies: Affordable Ford Focus ST Car Insurance
Discover how real individuals found budget-friendly insurance solutions for their Ford Focus ST, offering valuable insights and strategies to help you secure affordable coverage without sacrificing protection.
- Case Study #1 – Young Driver Discounts: Sarah, a recent graduate and proud owner of a Ford Focus ST, needed cost-effective insurance. By leveraging insurers offering discounts for young drivers, Sarah reduced her premiums by 20%, making her coverage affordable on a tight budget.
- Case Study #2 – Multi-Policy Bundle: The Johnson family faced rising insurance costs with multiple vehicles, including a Ford Focus ST. Choosing a multi-policy bundle that combined their auto and home insurance policies, they saved 25% on overall premiums, ensuring their Ford Focus ST remained economically insured.
- Case Study #3 – Safe Driving Incentives: David, a cautious driver, sought insurers rewarding safe driving habits. By enrolling in a telematics program and showcasing his low-risk driving behavior, David earned a 15% discount on his Ford Focus ST insurance, making it more affordable while maintaining comprehensive coverage.
These case studies demonstrate that affordable insurance for your Ford Focus ST is achievable through various strategies, such as leveraging discounts for young drivers, bundling policies, and earning rewards for safe driving.
Scott W. Johnson Licensed Insurance Agent
By exploring these real-life examples, you can gain valuable insights into how to tailor your insurance approach to suit your needs and budget while ensuring adequate protection for your Ford Focus ST.
Final Verdict: Ford Focus ST Insurance Savings Guide
In conclusion, the cost of car insurance for a Ford Focus ST can vary based on several factors. By understanding the elements that impact insurance premiums, comparing quotes from multiple providers, and utilizing various cost-saving strategies, you can find affordable coverage that suits your needs. For detailed information, refer to our comprehensive report titled “Insurance Quotes Online.”
Remember to consider the importance of comprehensive coverage, choose a reputable insurance provider, and maintain a clean driving record to potentially lower your insurance costs. With the right information and approach, you can confidently protect your Ford Focus ST while keeping your insurance expenses within budget.
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.
Frequently Asked Questions
Is a Ford Focus ST cheap to insure compared to other sports cars?
Insurance costs for the Ford Focus ST can be relatively affordable compared to other sports cars, thanks to its lower price tag and safety features that can help lower premiums.
What are the drawbacks or cons of insuring a Ford Focus ST?
While insurance rates for the Ford Focus ST are generally reasonable, factors like its sporty nature and higher repair costs compared to standard sedans can impact insurance premiums.
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Is insurance considered high for a Ford Focus ST?
Insurance rates for the Ford Focus ST are typically moderate, balancing its sporty performance with reasonable premiums. However, factors like your driving record and location can influence the final insurance cost.
To gain in-depth knowledge, consult our comprehensive resource titled “How does the insurance company determine my premium?”
What type of vehicle generally has the cheapest insurance rates, including the Ford Focus ST?
Compact cars and sedans like the Ford Focus ST often have lower insurance rates compared to larger vehicles or luxury cars, thanks to their lower repair costs and theft rates.
What insurance group is the Ford Focus ST typically classified under?
The insurance group for a Ford Focus ST varies based on factors like model year, trim level, and safety features. Insurers consider these factors when determining insurance premiums.
Which type of car insurance is most affordable for a Ford Focus ST?
Basic liability insurance tends to be the most affordable option for a Ford Focus ST. However, comprehensive and collision coverage offer more extensive protection at higher costs.
For a comprehensive analysis, refer to our detailed guide titled “Collision vs. Comprehensive Car Insurance.”
Is the Ford Focus ST expensive to maintain compared to other sports cars?
Maintenance costs for the Ford Focus ST are generally reasonable compared to high-performance sports cars. Routine maintenance and repair costs can vary based on factors like mileage and usage patterns.
What are the best insurance companies known for offering competitive rates for the Ford Focus ST?
Researching and comparing quotes from reputable insurance companies like State Farm, Geico, and Progressive can help you find the best coverage and rates for your Ford Focus ST.
Which insurance company offers the cheapest rates for a Ford Focus ST?
The cost of insurance for a Ford Focus ST can vary between insurance companies. It’s advisable to compare quotes from multiple insurers to find the most affordable coverage for your specific needs and driving profile.
To broaden your understanding, explore our comprehensive resource on insurance coverage titled “Cheapest Car Insurance Companies.”
What are the most common issues or maintenance concerns for Ford Focus ST owners that may affect insurance costs?
Understanding common maintenance issues such as engine performance, brake system maintenance, and tire wear can help you anticipate potential insurance impacts and maintenance costs for your Ford Focus ST.
Stop overpaying for car insurance. Our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code below.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
