Ford Fiesta Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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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.
The average insurance prices for a Ford Fiesta are $1,132 every 12 months including full coverage. Comprehensive costs around $188, collision insurance costs $330, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs around $2,454. 16-year-old drivers cost the most to insure at up to $4,476 a year.
Average premium for full coverage: $1,132
Policy rates for type of insurance:
Prices include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Fiesta trim levels.
Price Range Variability
For a 40-year-old driver, Ford Fiesta insurance rates range from the cheapest price of $508 for your basic liability-only policy to a much higher rate of $2,454 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how your location can change auto insurance rates.
The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than relying on 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.
More Rate Information
The chart below breaks down average Ford Fiesta insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $669
- Choosing higher $1,000 deductibles can save about $116 every year
- The average price for a good driver age 40 using $500 deductibles is $1,132
- Buying more expensive low deductibles for comp and collision coverage increases the price to $1,360
- High-risk insureds with multiple tickets or accidents could pay at least $2,454
- Policy cost to insure a teen driver with full coverage can be $4,476 each year
Insurance rates for a Ford Fiesta also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles can save as much as $350 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $411 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 138% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Ford Fiesta insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,620 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$108 | -9.5% |
| Alaska | $868 | -$264 | -23.3% |
| Arizona | $940 | -$192 | -17.0% |
| Arkansas | $1,132 | -$0 | 0.0% |
| California | $1,290 | $158 | 14.0% |
| Colorado | $1,082 | -$50 | -4.4% |
| Connecticut | $1,164 | $32 | 2.8% |
| Delaware | $1,282 | $150 | 13.3% |
| Florida | $1,418 | $286 | 25.3% |
| Georgia | $1,044 | -$88 | -7.8% |
| Hawaii | $814 | -$318 | -28.1% |
| Idaho | $766 | -$366 | -32.3% |
| Illinois | $844 | -$288 | -25.4% |
| Indiana | $852 | -$280 | -24.7% |
| Iowa | $764 | -$368 | -32.5% |
| Kansas | $1,074 | -$58 | -5.1% |
| Kentucky | $1,544 | $412 | 36.4% |
| Louisiana | $1,674 | $542 | 47.9% |
| Maine | $700 | -$432 | -38.2% |
| Maryland | $934 | -$198 | -17.5% |
| Massachusetts | $906 | -$226 | -20.0% |
| Michigan | $1,968 | $836 | 73.9% |
| Minnesota | $948 | -$184 | -16.3% |
| Mississippi | $1,356 | $224 | 19.8% |
| Missouri | $1,004 | -$128 | -11.3% |
| Montana | $1,216 | $84 | 7.4% |
| Nebraska | $892 | -$240 | -21.2% |
| Nevada | $1,358 | $226 | 20.0% |
| New Hampshire | $816 | -$316 | -27.9% |
| New Jersey | $1,264 | $132 | 11.7% |
| New Mexico | $1,002 | -$130 | -11.5% |
| New York | $1,192 | $60 | 5.3% |
| North Carolina | $652 | -$480 | -42.4% |
| North Dakota | $926 | -$206 | -18.2% |
| Ohio | $782 | -$350 | -30.9% |
| Oklahoma | $1,164 | $32 | 2.8% |
| Oregon | $1,036 | -$96 | -8.5% |
| Pennsylvania | $1,080 | -$52 | -4.6% |
| Rhode Island | $1,512 | $380 | 33.6% |
| South Carolina | $1,024 | -$108 | -9.5% |
| South Dakota | $954 | -$178 | -15.7% |
| Tennessee | $990 | -$142 | -12.5% |
| Texas | $1,362 | $230 | 20.3% |
| Utah | $840 | -$292 | -25.8% |
| Vermont | $776 | -$356 | -31.4% |
| Virginia | $678 | -$454 | -40.1% |
| Washington | $876 | -$256 | -22.6% |
| West Virginia | $1,036 | -$96 | -8.5% |
| Wisconsin | $784 | -$348 | -30.7% |
| Wyoming | $1,010 | -$122 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Fiesta | $224 | $408 | $416 | $1,206 |
| 2022 Ford Fiesta | $216 | $390 | $430 | $1,194 |
| 2021 Ford Fiesta | $204 | $378 | $442 | $1,182 |
| 2020 Ford Fiesta | $196 | $350 | $452 | $1,156 |
| 2019 Ford Fiesta | $188 | $330 | $456 | $1,132 |
| 2018 Ford Fiesta | $180 | $296 | $460 | $1,094 |
| 2017 Ford Fiesta | $168 | $272 | $460 | $1,058 |
| 2016 Ford Fiesta | $162 | $254 | $464 | $1,038 |
| 2015 Ford Fiesta | $158 | $238 | $474 | $1,028 |
| 2014 Ford Fiesta | $148 | $220 | $474 | $1,000 |
| 2013 Ford Fiesta | $144 | $200 | $478 | $980 |
| 2012 Ford Fiesta | $134 | $184 | $474 | $950 |
| 2011 Ford Fiesta | $126 | $166 | $474 | $924 |
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 Shop for the Right Ford Fiesta Insurance
Finding cheaper rates on Ford Fiesta insurance takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest the time to shop around once a year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.
The following items are a quick rundown of the data that was illustrated above.
- You may be able to save up to $130 per year just by shopping early and online
- Drivers who may need additional liability coverage will pay around $500 per year to raise limits from a 30/60 limit to a 250/500 level
- 16 to 18-year-old drivers pay higher rates, with premiums being up to $373 each month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,320 more every year than a driver with a clean driving record
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 | $4,476 |
| 20 | $2,620 |
| 30 | $1,162 |
| 40 | $1,132 |
| 50 | $1,038 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,254 |
| $500 | $1,132 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,132 |
| 50/100 | $1,223 |
| 100/300 | $1,337 |
| 250/500 | $1,634 |
| 100 CSL | $1,269 |
| 300 CSL | $1,520 |
| 500 CSL | $1,702 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,338 |
| 20 | $4,178 |
| 30 | $2,486 |
| 40 | $2,454 |
| 50 | $2,348 |
| 60 | $2,328 |
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 | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $78 |
| Total Discounts | $463 |
Discounts are estimated and may not be available from every company or in every state.
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