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.
Estimated insurance prices for a Ford Fiesta are $1,182 every 12 months with full coverage. Comprehensive insurance costs approximately $204 a year, collision insurance costs $378, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $2,568 or more. Teen drivers pay the most at up to $4,624 a year.
Average premium for full coverage: $1,182
Premium estimates by type of coverage:
Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Fiesta trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for a Ford Fiesta range from the cheapest price of $496 for a discount liability-only rate to a high of $2,568 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Your location has a large influence on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.
These rate differences demonstrate why it is important to compare rates using their specific location and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below details average Ford Fiesta insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $692
- Drivers who choose higher $1,000 deductibles will pay $1,050 annually
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,182
- Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $256 each year
- High-risk insureds with multiple violations and an at-fault accident could pay around $2,568
- An auto insurance policy to insure a teenage driver can cost $4,624 a year
Auto insurance prices for a Ford Fiesta also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Fiesta.
Choosing high deductibles could save up to $390 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $4,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,400 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 43% to 132% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Ford Fiesta insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,068 | -$114 | -9.6% |
| Alaska | $908 | -$274 | -23.2% |
| Arizona | $982 | -$200 | -16.9% |
| Arkansas | $1,182 | -$0 | 0.0% |
| California | $1,346 | $164 | 13.9% |
| Colorado | $1,128 | -$54 | -4.6% |
| Connecticut | $1,216 | $34 | 2.9% |
| Delaware | $1,336 | $154 | 13.0% |
| Florida | $1,480 | $298 | 25.2% |
| Georgia | $1,090 | -$92 | -7.8% |
| Hawaii | $848 | -$334 | -28.3% |
| Idaho | $800 | -$382 | -32.3% |
| Illinois | $882 | -$300 | -25.4% |
| Indiana | $890 | -$292 | -24.7% |
| Iowa | $796 | -$386 | -32.7% |
| Kansas | $1,124 | -$58 | -4.9% |
| Kentucky | $1,612 | $430 | 36.4% |
| Louisiana | $1,750 | $568 | 48.1% |
| Maine | $728 | -$454 | -38.4% |
| Maryland | $976 | -$206 | -17.4% |
| Massachusetts | $948 | -$234 | -19.8% |
| Michigan | $2,052 | $870 | 73.6% |
| Minnesota | $988 | -$194 | -16.4% |
| Mississippi | $1,416 | $234 | 19.8% |
| Missouri | $1,048 | -$134 | -11.3% |
| Montana | $1,272 | $90 | 7.6% |
| Nebraska | $932 | -$250 | -21.2% |
| Nevada | $1,416 | $234 | 19.8% |
| New Hampshire | $852 | -$330 | -27.9% |
| New Jersey | $1,322 | $140 | 11.8% |
| New Mexico | $1,046 | -$136 | -11.5% |
| New York | $1,244 | $62 | 5.2% |
| North Carolina | $682 | -$500 | -42.3% |
| North Dakota | $968 | -$214 | -18.1% |
| Ohio | $816 | -$366 | -31.0% |
| Oklahoma | $1,214 | $32 | 2.7% |
| Oregon | $1,082 | -$100 | -8.5% |
| Pennsylvania | $1,128 | -$54 | -4.6% |
| Rhode Island | $1,576 | $394 | 33.3% |
| South Carolina | $1,070 | -$112 | -9.5% |
| South Dakota | $998 | -$184 | -15.6% |
| Tennessee | $1,036 | -$146 | -12.4% |
| Texas | $1,424 | $242 | 20.5% |
| Utah | $876 | -$306 | -25.9% |
| Vermont | $810 | -$372 | -31.5% |
| Virginia | $708 | -$474 | -40.1% |
| Washington | $916 | -$266 | -22.5% |
| West Virginia | $1,084 | -$98 | -8.3% |
| Wisconsin | $818 | -$364 | -30.8% |
| Wyoming | $1,054 | -$128 | -10.8% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Fiesta | $242 | $422 | $390 | $1,212 |
| 2022 Ford Fiesta | $232 | $418 | $398 | $1,206 |
| 2021 Ford Fiesta | $224 | $408 | $416 | $1,206 |
| 2020 Ford Fiesta | $216 | $390 | $430 | $1,194 |
| 2019 Ford Fiesta | $204 | $378 | $442 | $1,182 |
| 2018 Ford Fiesta | $196 | $350 | $452 | $1,156 |
| 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 Shop for the Best Cheap Ford Fiesta Insurance
Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit score, being claim-free, and possibly higher deductibles. Spend time shopping around once a year by obtaining price quotes from direct companies, and also from insurance agencies where you live.
The following items are a quick review of the data that was touched on above.
- You may be able to save around $140 per year just by quoting early and online
- Consumers who purchase additional liability coverage will pay about $490 every year to go from 30/60 bodily injury limits to a 250/500 level
- 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $385 per month if comprehensive and collision insurance is included
- Drivers with a DUI or reckless driving violation could be forced to pay on average $1,390 more per year than a driver with a clean driving record
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 | $4,624 |
| 20 | $2,742 |
| 30 | $1,218 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,438 |
| $250 | $1,320 |
| $500 | $1,182 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,182 |
| 50/100 | $1,270 |
| 100/300 | $1,381 |
| 250/500 | $1,668 |
| 100 CSL | $1,315 |
| 300 CSL | $1,558 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,558 |
| 20 | $4,372 |
| 30 | $2,604 |
| 40 | $2,568 |
| 50 | $2,454 |
| 60 | $2,432 |
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 | $61 |
| Multi-vehicle | $64 |
| Homeowner | $19 |
| 5-yr Accident Free | $82 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $50 |
| Advance Quote | $56 |
| Online Quote | $82 |
| Total Discounts | $490 |
Discounts are estimated and may not be available from every company or in every state.
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