Ford Fiesta Insurance Rates

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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.

U.S. average auto insurance rates for a Ford Fiesta are $1,156 annually including full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $350, and liability coverage costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs $2,506 or more. Teenage drivers pay the highest rates at up to $4,546 a year.

Average premium for full coverage: $1,156

Price estimates by individual coverage:

Comprehensive $196
Collision $350
Liability $452

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Fiesta models.

Price Range from Low to High

For the average 40-year-old driver, Ford Fiesta insurance prices range from as cheap as $504 for a discount liability-only rate to a high rate of $2,506 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,156
High Risk $2,506

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

Rural Areas $867
Small Cities $1,214
Large Cities $1,561

The ranges above highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than 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.

Rates by State, City, and Model

The chart below breaks down average Ford Fiesta insurance rates for different risk profiles and scenarios.

  • The best discount rate is $679
  • Using higher $1,000 deductibles will save around $124 every year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,156
  • Using low deductibles for physical damage coverage costs an additional $240 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,506
  • The price with full coverage for a teenage driver may cost $4,546 or more

View Chart as Image

Ford Fiesta insurance cost comparison chart
Column chart showing Ford Fiesta insurance prices range from $679 to $4,546 for full coverage

Insurance prices for a Ford Fiesta are also quite variable based on the trim level and model year, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at a minimum $1,400 to $1,900 additional each year, depending on your age. Insurance for high-risk drivers can be around 42% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $370 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Ford Fiesta insurance rates. A driver around age 40 might see prices as low as $890 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,650 on average in Michigan, New York, and Louisiana.

Ford Fiesta Insurance Rates by State
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%

View Chart as Image

Ford Fiesta insurance rates by U.S. city
Ford Fiesta Insurance Rates by Model Year
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 Buy Affordable Ford Fiesta Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Make time to compare rates at every policy renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the data touched on in this article.

  • Consumers who require higher levels of liability will pay an extra $500 per year to increase from a low limit to higher 250/500 limits
  • You may be able to save as much as $140 per year just by quoting online in advance
  • Increasing physical damage deductibles could save up to $375 each year
  • Teenage drivers pay higher prices, possibly costing $379 a month if they have full coverage

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 TestedOverallFrontalSideRollover
2019 Ford Fiesta 5 HB FWD4 stars4 stars4 stars4 stars
2019 Ford Fiesta 4 DR FWD4 stars4 stars4 stars4 stars
2018 Ford Fiesta 5 HB FWD4 stars4 stars4 stars4 stars
2018 Ford Fiesta 4 DR FWD4 stars4 stars4 stars4 stars
2017 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2017 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2016 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2016 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2015 Ford Fiesta 5 HB FWD4 stars4 stars2 stars4 stars
2015 Ford Fiesta 4 DR FWD4 stars4 stars2 stars4 stars
2014 Ford Fiesta 5 HB FWD4 stars4 stars2 stars4 stars
2014 Ford Fiesta 4 DR FWD4 stars4 stars2 stars4 stars
2013 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2013 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2012 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2012 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2011 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2011 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 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 CategoryLoss Rate
Collision4%
Property Damage33%
Comprehensive-33%
Personal Injury62%
Medical Payment88%
Bodily Injury57%

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.

Rates by Driver Age

Ford Fiesta Insurance 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

Ford Fiesta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,396
$250 $1,286
$500 $1,156
$1,000 $1,032

Full coverage, driver age 40

Rates by Liability Limit

Ford Fiesta Insurance Rates with Different Liability Limits
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

Ford Fiesta Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $679

Discounts are estimated and may not be available from every company or in every state.

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