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.
Average auto insurance rates for a Ford Fiesta are $1,132 annually with full coverage. Comprehensive insurance costs on average $188, collision costs $330, and liability is $456. Liability-only coverage costs around $508 a year, with high-risk coverage costing $2,454 or more. Teen drivers receive the highest rates at $4,476 a year or more.
Average premium for full coverage: $1,132
Rate estimates by individual coverage type:
Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Fiesta trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $508 for just the minimum liability insurance to a much higher rate of $2,454 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based 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.
Additional Rate Analysis
The chart below details estimated Ford Fiesta insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $669
- Raising to $1,000 deductibles will save around $116 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,132
- Choosing more expensive low deductibles costs an additional $228 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,454 or more
- The cost with full coverage for a 16-year-old driver with full coverage may cost $4,476
Car insurance rates for a Ford Fiesta can also vary considerably based on the trim level of your Fiesta, your driving record, and policy deductibles and limits.
An older driver with no driving violations and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $4,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 138% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $350 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Ford Fiesta insurance prices. A middle-age driver might find rates as low as $820 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,530 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
| 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 Buy Low Cost Ford Fiesta Insurance
Saving money on insurance for a Ford Fiesta consists of being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The items below are a review of the material that was raised in the charts and tables above.
- Insureds who require more liability coverage will pay about $500 every year to raise from a minimum limit to higher 250/500 limits
- Teen drivers are expensive to insure, with premiums as much as $373 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations pay an average of $1,320 more each year to insure their Fiesta
- Increasing deductibles could save up to $350 each year
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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