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 with full coverage. Comprehensive insurance costs an estimated $188, collision costs $330, and liability costs $456. Buying just liability costs as little as $508 a year, with insurance for high-risk drivers costing $2,454 or more. Teenage drivers cost the most to insure at $4,476 a year or more.
Average premium for full coverage: $1,132
Policy rates broken down by type of insurance:
Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Fiesta trim levels.
Price Range Variability
For the average 40-year-old driver, Ford Fiesta insurance rates go from the cheapest price of $508 for basic liability insurance to a much higher rate of $2,454 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.
The price range example below illustrates the difference location can make on insurance prices.
The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using average rates.
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 details estimated Ford Fiesta insurance rates for other coverage scenarios.
- The best discount rate is $669
- Drivers who choose higher $1,000 deductibles will pay approximately $116 annually
- The average price for a good driver age 40 who has $500 deductibles is $1,132
- Using more expensive low deductibles for comprehensive and collision insurance costs an extra $228 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $2,454 or more
- Policy cost to insure a teen driver with full coverage can cost as much as $4,476 a year
Insurance rates for a Ford Fiesta also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.
Using high physical damage deductibles could save up to $350 every year, while increasing your policy's liability limits will increase premiums. Moving 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 may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $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 may be forking out $1,400 to $1,900 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 138% more than a normal policy. View High Risk Driver Rates
Your home state makes a big difference in Ford Fiesta insurance prices. A 40-year-old driver could pay as low as $820 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,530 on average in New York, Michigan, and Florida.
| 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% |
Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be varied.
| 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 Cheapest Ford Fiesta Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at every other renewal by getting quotes from direct companies, and also from your local independent and exclusive agents.
The next list is a recap of the concepts that were touched on in this article.
- Higher risk drivers that have major violations or accidents may pay on average $1,320 more annually to buy Ford Fiesta insurance
- Drivers age 20 and younger are charged the highest rates, as much as $373 each month if they have full coverage
- You may be able to save approximately $130 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save as much as $350 each year
- You may be able to save approximately $130 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 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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