Ford Fiesta Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

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 $1,132 a year for full coverage. Comprehensive insurance costs approximately $188, collision costs $330, and liability costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing $2,454 or more. Teen drivers pay the highest rates at $4,476 a year or more.

Average premium for full coverage: $1,132

Price estimates by individual coverage:

Comprehensive $188
Collision $330
Liability $456

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Fiesta trim levels.

Price Range from Low to High

For a driver in their 40's, Ford Fiesta insurance prices go from as low as $508 for minimum levels of liability insurance to a much higher rate of $2,454 for a driver who has had serious violations or accidents.

Liability Only $508
Full Coverage $1,132
High Risk $2,454

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance prices.

Rural Areas $849
Small Cities $1,189
Large Cities $1,528

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and risk profile, 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 Details

The chart below shows estimated Ford Fiesta insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $669
  • Drivers who choose higher $1,000 deductibles will pay $116 a year
  • The average rate for the average middle-age driver who chooses $500 deductibles is $1,132
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $228 annually
  • Drivers with multiple violations and an at-fault accident could pay around $2,454 or more
  • The price for full coverage for a 16-year-old driver with full coverage can cost $4,476 a year

View Chart as Image

Ford Fiesta insurance cost comparison chart
Column chart showing full coverage Ford Fiesta insurance prices range from $669 to $4,476

Insurance prices for a Ford Fiesta are also quite variable based on your driving record, the trim level of your Fiesta, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $4,400 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 $750 a year in states like Iowa, Maine, and Idaho, or as much as $1,620 on average in New York, Louisiana, and Michigan.

Ford Fiesta Insurance Rates by State
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%

View Chart as Image

Ford Fiesta insurance rates by U.S. city

Choosing high deductibles could save up to $350 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,400 to $1,900 extra each year, depending on your age. High-risk driver insurance can cost from 42% to 138% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices from multiple companies. Every company uses a different rate calculation, so the prices may be quite different from one company to the next.

Ford Fiesta Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford Fiesta $188 $330 $456 $1,132
2016 Ford Fiesta $180 $296 $460 $1,094
2015 Ford Fiesta $168 $272 $460 $1,058
2014 Ford Fiesta $162 $254 $464 $1,038
2013 Ford Fiesta $158 $238 $474 $1,028
2012 Ford Fiesta $148 $220 $474 $1,000
2011 Ford Fiesta $144 $200 $478 $980

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 Cheapest Ford Fiesta Insurance

Getting lower rates on insurance for a Ford Fiesta not only requires being a safe and courteous driver, but also maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every other policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a recap of the ideas that were covered in the charts and tables above.

  • Teenage drivers are expensive to insure, with premiums as much as $373 a month for full coverage
  • Drivers considered higher risk that have major violations or accidents may pay on average $1,320 more per year for auto insurance
  • Increasing physical damage deductibles can save around $350 each year
  • Drivers can save around $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 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 $4,476
20 $2,620
30 $1,162
40 $1,132
50 $1,038
60 $1,018

Full coverage, $500 deductibles

Rates by Deductible

Ford Fiesta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,360
$250 $1,254
$500 $1,132
$1,000 $1,016

Full coverage, driver age 40

Rates by Liability Limit

Ford Fiesta Insurance Rates with Different Liability Limits
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

Ford Fiesta Insurance 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.

SR-22 Surcharge $157

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
Rate after discounts $669

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

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