Ford Fiesta Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 6, 2023
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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 $1,156 a year for full coverage. Comprehensive costs on average $196, collision costs $350, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $2,506. Teens pay the highest rates at $4,546 a year or more.
Average premium for full coverage: $1,156
Price estimates by individual coverage:
Prices include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Fiesta models.
Price Range from Low to High
For a driver around age 40, Ford Fiesta insurance prices go from as low as $504 for your basic liability-only policy to the much higher price of $2,506 for a policy for a high-risk driver.
Geographic Price Range
Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above show why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on averaged prices.
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.
More Rate Information
The chart below shows estimated Ford Fiesta insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $679
- Drivers who choose higher $1,000 deductibles will pay around $124 a year
- The average rate for the average middle-age driver with $500 deductibles is $1,156
- Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,396
- Drivers with serious driving violations could pay upwards of $2,506 or more
- The price for full coverage for a 16-year-old driver for full coverage may cost $4,546 a year
Car insurance prices for a Ford Fiesta are also quite variable based on your driving record, the trim level of your Fiesta, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $4,500 a year. View Rates by Age
The state you live in makes a big difference in Ford Fiesta insurance prices. A 40-year-old driver could pay as low as $760 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,650 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,046 | -$110 | -9.5% |
| Alaska | $886 | -$270 | -23.4% |
| Arizona | $958 | -$198 | -17.1% |
| Arkansas | $1,156 | -$0 | 0.0% |
| California | $1,316 | $160 | 13.8% |
| Colorado | $1,104 | -$52 | -4.5% |
| Connecticut | $1,190 | $34 | 2.9% |
| Delaware | $1,308 | $152 | 13.1% |
| Florida | $1,448 | $292 | 25.3% |
| Georgia | $1,068 | -$88 | -7.6% |
| Hawaii | $830 | -$326 | -28.2% |
| Idaho | $782 | -$374 | -32.4% |
| Illinois | $860 | -$296 | -25.6% |
| Indiana | $870 | -$286 | -24.7% |
| Iowa | $778 | -$378 | -32.7% |
| Kansas | $1,098 | -$58 | -5.0% |
| Kentucky | $1,578 | $422 | 36.5% |
| Louisiana | $1,710 | $554 | 47.9% |
| Maine | $714 | -$442 | -38.2% |
| Maryland | $952 | -$204 | -17.6% |
| Massachusetts | $924 | -$232 | -20.1% |
| Michigan | $2,008 | $852 | 73.7% |
| Minnesota | $966 | -$190 | -16.4% |
| Mississippi | $1,386 | $230 | 19.9% |
| Missouri | $1,024 | -$132 | -11.4% |
| Montana | $1,240 | $84 | 7.3% |
| Nebraska | $912 | -$244 | -21.1% |
| Nevada | $1,388 | $232 | 20.1% |
| New Hampshire | $834 | -$322 | -27.9% |
| New Jersey | $1,292 | $136 | 11.8% |
| New Mexico | $1,024 | -$132 | -11.4% |
| New York | $1,216 | $60 | 5.2% |
| North Carolina | $666 | -$490 | -42.4% |
| North Dakota | $946 | -$210 | -18.2% |
| Ohio | $800 | -$356 | -30.8% |
| Oklahoma | $1,188 | $32 | 2.8% |
| Oregon | $1,058 | -$98 | -8.5% |
| Pennsylvania | $1,104 | -$52 | -4.5% |
| Rhode Island | $1,542 | $386 | 33.4% |
| South Carolina | $1,046 | -$110 | -9.5% |
| South Dakota | $976 | -$180 | -15.6% |
| Tennessee | $1,012 | -$144 | -12.5% |
| Texas | $1,394 | $238 | 20.6% |
| Utah | $856 | -$300 | -26.0% |
| Vermont | $792 | -$364 | -31.5% |
| Virginia | $692 | -$464 | -40.1% |
| Washington | $894 | -$262 | -22.7% |
| West Virginia | $1,058 | -$98 | -8.5% |
| Wisconsin | $800 | -$356 | -30.8% |
| Wyoming | $1,030 | -$126 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles could save up to $370 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,400 to $1,900 extra each year, depending on your age. Ford Fiesta insurance for high-risk drivers can cost from 42% to 135% more than the average policy. View High Risk Driver Rates
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every company calculates prices differently, so rate quotes may be quite different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Fiesta | $232 | $418 | $398 | $1,206 |
| 2022 Ford Fiesta | $224 | $408 | $416 | $1,206 |
| 2021 Ford Fiesta | $216 | $390 | $430 | $1,194 |
| 2020 Ford Fiesta | $204 | $378 | $442 | $1,182 |
| 2019 Ford Fiesta | $196 | $350 | $452 | $1,156 |
| 2018 Ford Fiesta | $188 | $330 | $456 | $1,132 |
| 2017 Ford Fiesta | $180 | $296 | $460 | $1,094 |
| 2016 Ford Fiesta | $168 | $272 | $460 | $1,058 |
| 2015 Ford Fiesta | $162 | $254 | $464 | $1,038 |
| 2014 Ford Fiesta | $158 | $238 | $474 | $1,028 |
| 2013 Ford Fiesta | $148 | $220 | $474 | $1,000 |
| 2012 Ford Fiesta | $144 | $200 | $478 | $980 |
| 2011 Ford Fiesta | $134 | $184 | $474 | $950 |
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 not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every year by requesting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.
The following is a quick rundown of the coverage data covered above.
- Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $375 each year
- Teens are expensive to insure, with premiums as much as $379 a month if full coverage is included
- Drivers considered higher risk with reckless driving or DUI convictions will pay on average $1,350 more each year for Fiesta 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.
Ford Fiesta Crash Test Ratings| Vehicle 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 Probability| Insurance 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 | $4,546 |
| 20 | $2,678 |
| 30 | $1,188 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,040 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,396 |
| $250 | $1,286 |
| $500 | $1,156 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,156 |
| 50/100 | $1,246 |
| 100/300 | $1,359 |
| 250/500 | $1,653 |
| 100 CSL | $1,292 |
| 300 CSL | $1,540 |
| 500 CSL | $1,721 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,442 |
| 20 | $4,268 |
| 30 | $2,542 |
| 40 | $2,506 |
| 50 | $2,398 |
| 60 | $2,376 |
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 | $60 |
| Multi-vehicle | $63 |
| Homeowner | $19 |
| 5-yr Accident Free | $79 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $47 |
| Advance Quote | $55 |
| Online Quote | $80 |
| Total Discounts | $477 |
Discounts are estimated and may not be available from every company or in every state.
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