Ford Fiesta Insurance Rates
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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 including full coverage. Comprehensive costs an estimated $204, collision costs $378, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $2,568. 16-year-old drivers pay the highest rates at $4,624 a year or more.
Average premium for full coverage: $1,182
Price estimates broken down by individual coverage:
Rate estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Fiesta trim levels.
Price Range from Low to High
For the average 40-year-old driver, Ford Fiesta insurance prices go from the low end price of $496 for basic liability insurance to a much higher rate of $2,568 for a driver who has had serious violations or accidents.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.
The price range example below illustrates the difference location can make on insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area, rather than using rate averages.
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.
Rate Comparisons
The chart below breaks down estimated Ford Fiesta insurance rates for other coverage scenarios.
- The best full coverage rate is $692
- Using higher $1,000 deductibles will save approximately $132 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,182
- Buying more expensive low deductibles for physical damage coverage bumps up the cost to $1,438
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,568 or more
- The price that insures a teenage driver with full coverage can cost as much as $4,624 or more
Car insurance prices for a Ford Fiesta are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be around 43% to 132% more than the average rate. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged at least $4,600 a year. View Rates by Age
The state you live in has a huge impact on Ford Fiesta insurance rates. A driver around age 40 might see prices as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,690 on average in Louisiana, New York, and Michigan.
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% |
Opting for high physical damage deductibles could cut prices by as much as $390 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite different.
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 Best Ford Fiesta Insurance
Getting lower rates on auto insurance requires having a good driving record, having a positive credit history, being claim-free, and not having any coverage lapses. Comparison shop every other policy renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a brief recap of the ideas that were touched on in this article.
- Drivers age 20 and younger have the highest car insurance prices, possibly costing $385 a month if full coverage is purchased
- Drivers who tend to receive serious violations could be charged and average of $1,390 more annually to buy Ford Fiesta insurance
- Increasing physical damage deductibles can save approximately $400 each year
- You may be able to save approximately $140 per year simply by shopping early and online
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 RatingsVehicle Tested | Overall | Frontal | Side | Rollover |
---|---|---|---|---|
2019 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2019 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2018 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2018 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
2017 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2017 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2016 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2016 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2015 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 2 stars | 4 stars |
2015 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 2 stars | 4 stars |
2014 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 2 stars | 4 stars |
2014 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 2 stars | 4 stars |
2013 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2013 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2012 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2012 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2011 Ford Fiesta 5 HB FWD | 4 stars | 4 stars | 5 stars | 4 stars |
2011 Ford Fiesta 4 DR FWD | 4 stars | 4 stars | 5 stars | 4 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 ProbabilityInsurance Coverage Category | Loss Rate |
---|---|
Collision | 4% |
Property Damage | 33% |
Comprehensive | -33% |
Personal Injury | 62% |
Medical Payment | 88% |
Bodily Injury | 57% |
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.
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,438 |
$250 | $1,320 |
$500 | $1,182 |
$1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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