Ford Fiesta Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 9, 2024

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You may be asking: what are the Ford Fiesta insurance rates? And are Ford Fiestas cheap to insure? Ford Fiesta insurance costs don’t need to ruin drivers’ budgets. This article will give you all you need to know before you buy Ford Fiesta auto insurance.

The Ford Fiesta average insurance cost is $1,212, or $101 a month. Read on to learn how to find cheap car insurance for your Ford Fiesta.

Enter your ZIP code into our FREE rate comparison tool above to get started on finding affordable Ford Fiesta car insurance rates from multiple insurance carriers.

U.S. average insurance rates for a Ford Fiesta are $1,182 a year with full coverage. Comprehensive insurance costs on average $204, collision insurance costs $378, and liability is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs $2,568 or more. Teenage drivers pay the highest rates at up to $4,624 a year.

Average premium for full coverage: $1,182

Price estimates by individual coverage:

Comprehensive $204
Collision $378
Liability $442

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and for all Fiesta models.

Price Range from Low to High

For the average 40-year-old driver, Ford Fiesta insurance prices range from the low end price of $496 for minimum levels of liability insurance to the much higher price of $2,568 for a driver who requires high-risk insurance.

Liability Only $496
Full Coverage $1,182
High Risk $2,568

Geographic Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas have lower incidents of collision claims than densely populated cities. The example below illustrates the difference location can make on car insurance rates.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

The ranges above demonstrate why everyone should get quotes based on a specific location, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

The chart below details average Ford Fiesta insurance rates for different risk profiles and scenarios.

  • The best discount rate is $692
  • Choosing higher $1,000 deductibles can save around $132 annually
  • The estimated price for the average middle-age driver with $500 deductibles is $1,182
  • Using pricier low deductibles for comp and collision coverage will cost an additional $256 annually
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,568
  • The price that insures a 16-year-old driver for full coverage may cost $4,624 each year

View Chart as Image

Ford Fiesta insurance cost comparison chart
Column chart showing Ford Fiesta insurance prices range from $692 to $4,624 for full coverage

Insurance prices for a Ford Fiesta are also quite variable based on the model of your Fiesta, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,400 to $2,000 additional each year, depending on your age. Ford Fiesta insurance for high-risk drivers ranges from 43% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $4,600 a year. View Rates by Age

The state you live in plays a big part in determining prices for Ford Fiesta insurance prices. A good driver about age 40 could pay as low as $850 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,600 on average in Florida, Michigan, and New York.

Ford Fiesta Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,068 -$114 -9.6%
Alaska $908 -$274 -23.2%
Arizona $982 -$200 -16.9%
Arkansas $1,182 -$0 0.0%
California $1,346 $164 13.9%
Colorado $1,128 -$54 -4.6%
Connecticut $1,216 $34 2.9%
Delaware $1,336 $154 13.0%
Florida $1,480 $298 25.2%
Georgia $1,090 -$92 -7.8%
Hawaii $848 -$334 -28.3%
Idaho $800 -$382 -32.3%
Illinois $882 -$300 -25.4%
Indiana $890 -$292 -24.7%
Iowa $796 -$386 -32.7%
Kansas $1,124 -$58 -4.9%
Kentucky $1,612 $430 36.4%
Louisiana $1,750 $568 48.1%
Maine $728 -$454 -38.4%
Maryland $976 -$206 -17.4%
Massachusetts $948 -$234 -19.8%
Michigan $2,052 $870 73.6%
Minnesota $988 -$194 -16.4%
Mississippi $1,416 $234 19.8%
Missouri $1,048 -$134 -11.3%
Montana $1,272 $90 7.6%
Nebraska $932 -$250 -21.2%
Nevada $1,416 $234 19.8%
New Hampshire $852 -$330 -27.9%
New Jersey $1,322 $140 11.8%
New Mexico $1,046 -$136 -11.5%
New York $1,244 $62 5.2%
North Carolina $682 -$500 -42.3%
North Dakota $968 -$214 -18.1%
Ohio $816 -$366 -31.0%
Oklahoma $1,214 $32 2.7%
Oregon $1,082 -$100 -8.5%
Pennsylvania $1,128 -$54 -4.6%
Rhode Island $1,576 $394 33.3%
South Carolina $1,070 -$112 -9.5%
South Dakota $998 -$184 -15.6%
Tennessee $1,036 -$146 -12.4%
Texas $1,424 $242 20.5%
Utah $876 -$306 -25.9%
Vermont $810 -$372 -31.5%
Virginia $708 -$474 -40.1%
Washington $916 -$266 -22.5%
West Virginia $1,084 -$98 -8.3%
Wisconsin $818 -$364 -30.8%
Wyoming $1,054 -$128 -10.8%

View Chart as Image

Ford Fiesta insurance rates by U.S. city

Using high physical damage deductibles can save as much as $390 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Ford Fiesta Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Ford Fiesta $242 $422 $390 $1,212
2022 Ford Fiesta $232 $418 $398 $1,206
2021 Ford Fiesta $224 $408 $416 $1,206
2020 Ford Fiesta $216 $390 $430 $1,194
2019 Ford Fiesta $204 $378 $442 $1,182
2018 Ford Fiesta $196 $350 $452 $1,156
2017 Ford Fiesta $188 $330 $456 $1,132
2016 Ford Fiesta $180 $296 $460 $1,094
2015 Ford Fiesta $168 $272 $460 $1,058
2014 Ford Fiesta $162 $254 $464 $1,038
2013 Ford Fiesta $158 $238 $474 $1,028
2012 Ford Fiesta $148 $220 $474 $1,000
2011 Ford Fiesta $144 $200 $478 $980

Rates are averaged for all Ford Fiesta models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Ford Fiesta Insurance

Getting lower rates on insurance for a Ford Fiesta takes not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Compare prices at every other renewal by getting quotes from direct companies, and also from several local insurance agents.

The following is a quick rundown of the concepts that were touched on in this article.

  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,390 more each year for Fiesta insurance
  • Teens pay higher prices, costing up to $385 a month if comprehensive and collision insurance is included
  • You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $400 each year
  • You may be able to save as much as $140 per year just by quoting online well ahead of the renewal date

How much is insurance for a Ford Fiesta? The average annual cost of Fiesta car insurance is $1,212, or $101 a month.

What is the cheapest Fiesta to insure? The 2011 Ford Fiesta is the cheapest year to ensure.

But finding the best Ford Fiesta car insurance company takes more than just reviewing average rates. Your ultimate rate will be determined by a number of factors, such as age and driving history.

The Ford Fiesta ST insurance cost for an 18-year-old or 17-year-old will be expensive, even if you buy the cheapest new Fiesta. To lower your Ford Fiesta ST individual insurance cost (as well as costs for any build of the Ford Fiesta), shop for rates for a Ford Fiesta.

Getting Ford Fiesta car insurance providers quotes will help you determine everything from a 2011 Ford Fiesta price range to a 2018 Ford Fiesta price range from numerous insurance providers. Enter your ZIP code in our free tool below to find Fiesta insurance rates, as prices vary according to Fiesta insurance locations.

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What are the Ford Fiesta safety ratings?

Safety features sometimes vary by model year, so the price of Fiesta auto insurance for a 2014 Fiesta may be slightly different than the 2013 Ford Fiesta auto insurance cost if the 2014 model has more safety features.

However, the standard safety features on most years of the Ford Fiesta include multiple airbags, brake assist, electronic stability control, traction control, and more.

The Insurance Institute for Highway Safety (IIHS) gave the 2019 Ford Fiesta sedan the following safety ratings:

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Watch the video below to see how the IIHS tests vehicles.

To see the Ford Fiesta crash test results from the National Highway Traffic Safety Administration, check out the table below.

Ford Fiesta Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2019 Ford Fiesta 5 HB FWD4 stars4 stars4 stars4 stars
2019 Ford Fiesta 4 DR FWD4 stars4 stars4 stars4 stars
2018 Ford Fiesta 5 HB FWD4 stars4 stars4 stars4 stars
2018 Ford Fiesta 4 DR FWD4 stars4 stars4 stars4 stars
2017 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2017 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2016 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2016 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2015 Ford Fiesta 5 HB FWD4 stars4 stars2 stars4 stars
2015 Ford Fiesta 4 DR FWD4 stars4 stars2 stars4 stars
2014 Ford Fiesta 5 HB FWD4 stars4 stars2 stars4 stars
2014 Ford Fiesta 4 DR FWD4 stars4 stars2 stars4 stars
2013 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2013 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2012 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2012 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2011 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2011 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars

A 5-star rating is the highest possible score given by the National Highway Traffic Safety Administration. Overall, the Ford Fiesta performed okay, with a few models receiving a few 2-star ratings.

However, there is a safety concern regarding the side barrier crash test results.

Unfortunately, the rear passenger dummy sustained damage to the torso during the side barrier crash test. This concern is applicable to every Ford Fiesta model.

How is the Ford Fiesta compared against other vehicles in the same class?

The Ford Fiesta is a minicar, which can have an effect on liability insurance rates. According to the Insurance Institute for Highway Safety, the Ford Fiesta’s liability losses are substantially worse than average in comparison to other minicars’ liability losses.

See more details about the Ford Fiesta insurance loss probability in the table below.

Ford Fiesta Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision4%
Property Damage33%
Comprehensive-33%
Personal Injury62%
Medical Payment88%
Bodily Injury57%

The higher the number, the worse the insurance loss ratio. Unfortunately, the personal insurance services loss ratios for the Ford Fiesta are average or substantially worse than average in every category besides comprehensive.

If you wish to see how the Ford Fiesta’s insurance products rates compare to other minicars’ rates, take a look at the other minicars below.

You are now an expert on securing affordable Ford Fiesta car insurance rates.

Remember, whether you are looking for the cost of a Ford Fiesta 2014 model or Fiesta auto insurance options in Houston TX, compare multiple quotes to reduce rates.

Ready to get started? Simply enter your five-digit ZIP code into our FREE online quote tool to find affordable auto insurance company savings for your Ford Fiesta. Compare quotes from more than one provider of insurance policies coverage on your Fiesta today.

Rates by Driver Age

Ford Fiesta Insurance Rates by Driver Age
Driver Age Premium
16 $4,624
20 $2,742
30 $1,218
40 $1,182
50 $1,082
60 $1,062

Full coverage, $500 deductibles

Rates by Deductible

Ford Fiesta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,438
$250 $1,320
$500 $1,182
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Ford Fiesta Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,182
50/100 $1,270
100/300 $1,381
250/500 $1,668
100 CSL $1,315
300 CSL $1,558
500 CSL $1,735

Full coverage, driver age 40

Rates for High Risk Drivers

Ford Fiesta Insurance Rates for High Risk Drivers
Age Premium
16 $6,558
20 $4,372
30 $2,604
40 $2,568
50 $2,454
60 $2,432

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $165

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $64
Homeowner $19
5-yr Accident Free $82
5-yr Claim Free $76
Paid in Full/EFT $50
Advance Quote $56
Online Quote $82
Total Discounts $490
Rate after discounts $692

Discounts are estimated and may not be available from every company or in every state.

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