Ford Fiesta Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
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 rates for a Ford Fiesta are $1,156 a year including full coverage. Comprehensive insurance costs on average $196 each year, collision insurance costs $350, and liability is estimated at $452. Buying just liability costs approximately $504 a year, and insurance for high-risk drivers costs $2,506 or more. Teenage drivers cost the most to insure at up to $4,546 a year.
Average premium for full coverage: $1,156
Policy rates by type of insurance:
Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Fiesta models.
Price Range Variability
For the average 40-year-old driver, Ford Fiesta insurance rates range from as low as $504 for a discount liability-only rate to a high rate of $2,506 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.
The examples above highlight why all drivers should get quotes based on a specific location and risk profile, instead of making a decision based on 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
- Choosing higher $1,000 deductibles can save around $124 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,156
- Using low deductibles for comp and collision coverage will cost an extra $240 annually
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,506
- Policy cost for full coverage for a 16-year-old driver may cost $4,546 each year
Insurance rates for a Ford Fiesta also range considerably based on your risk profile, the model of your Fiesta, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,500 a year. View Rates by Age
Your home state plays a big part in determining prices for Ford Fiesta insurance prices. A good driver about age 40 could pay 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.
| 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% |
Using high physical damage deductibles can save as much as $370 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,400 to $1,900 extra every year, depending on your age. Insurance for high-risk drivers ranges from 42% to 135% more than a normal policy. View High Risk Driver Rates
| 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 Find the Cheapest Ford Fiesta Insurance
Finding cheaper rates on insurance for a Ford Fiesta takes having a decent driving record, maintaining good credit, paying for small claims out-of-pocket, and determing if full coverage is necessary. Make time to compare rates every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following items are a recap of the material that was touched on in this article.
- Insureds who require additional liability coverage will pay an extra $500 per year to raise limits from a 30/60 limit to 250/500 limits
- 16 to 18-year-old drivers pay the highest rates, with premiums being up to $379 each month for full coverage
- Drivers considered higher risk that have major violations or accidents may pay on average $1,350 more each year than a driver with a clean driving record
- Increasing comprehensive and collision deductibles can save around $375 each year
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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