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 with full coverage. Comprehensive insurance costs on average $196 a year, collision costs $350, and liability insurance is estimated at $452. Liability-only insurance costs approximately $504 a year, with high-risk driver insurance costing $2,506 or more. 16-year-old drivers pay the highest rates at $4,546 a year or more.
Average premium for full coverage: $1,156
Price estimates by individual coverage:
Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Fiesta trim levels.
Price Range from Low to High
For a driver around age 40, Ford Fiesta insurance prices go from as cheap as $504 for just the minimum liability insurance to a high of $2,506 for a driver who requires high-risk insurance.
Geographic Price Range
Living in a larger city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above demonstrate why it is important to get quotes based on a specific location and their own personal driving habits, 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.
Additional Rate Analysis
The chart below details estimated Ford Fiesta insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $679
- Choosing higher $1,000 deductibles can save around $1,032 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,156
- Buying low $100 deductibles for comp and collision coverage costs an additional $240 a year
- High-risk insureds with multiple tickets or accidents could pay upwards of $2,506 or more
- The price with full coverage for a teen driver may cost $4,546 each year
Car insurance prices for a Ford Fiesta are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 extra each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $370 each year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Ford Fiesta insurance rates. A good driver about age 40 could pay as low as $830 a year in states like New Hampshire, Ohio, and Utah, or at least $1,560 on average in Florida, Michigan, and New York.
| 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% |
Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes may be quite different between companies.
| 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 the Cheapest Ford Fiesta Insurance
Getting lower rates on Ford Fiesta insurance takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The items below are a recap of the concepts that were covered above.
- High-risk drivers that have major violations or accidents pay an average of $1,350 more each year to insure their Fiesta
- Teen drivers are expensive to insure, costing up to $379 a month if comprehensive and collision insurance is included
- You may be able to save as much as $140 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $375 each year
- You may be able to save as much as $140 per year simply by quoting 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 | $4,546 |
| 20 | $2,678 |
| 30 | $1,188 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,040 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,396 |
| $250 | $1,286 |
| $500 | $1,156 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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