Ford Fiesta Insurance Rates
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UPDATED: Dec 11, 2019
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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.
Average insurance rates for a Ford Fiesta are $1,156 a year for full coverage. Comprehensive costs on average $196 a year, collision costs $350, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,506. Teen drivers receive the highest rates at $4,546 a year or more.
Average premium for full coverage: $1,156
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Fiesta trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $2,506 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.
Insurance Rate Analysis
The chart below shows estimated Ford Fiesta insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $679
- Drivers who choose higher $1,000 deductibles will pay around $1,032 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,156
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,396
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,506 or more
- The cost for full coverage for a teen driver may cost $4,546 a year
for a Ford Fiesta can also vary considerably based on your driver profile, the trim level of your Fiesta, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,500 a year. View Rates by Age
Where you live makes a big difference in Ford Fiesta insurance rates. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or as much as $1,650 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $370 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $407 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 135% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Ford Fiesta||$196||$350||$452||$1,156|
|2016 Ford Fiesta||$188||$330||$456||$1,132|
|2015 Ford Fiesta||$180||$296||$460||$1,094|
|2014 Ford Fiesta||$168||$272||$460||$1,058|
|2013 Ford Fiesta||$162||$254||$464||$1,038|
|2012 Ford Fiesta||$158||$238||$474||$1,028|
|2011 Ford Fiesta||$148||$220||$474||$1,000|
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 Cheaper Ford Fiesta Insurance
Saving money on Ford Fiesta insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $375 each year
- Drivers can save as much as $140 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $379 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,350 more each year for insurance
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.
|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.
|Insurance Coverage Category||Loss Rate|
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$79|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.
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