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 rates for a Ford Fiesta are $1,182 a year including full coverage. Comprehensive insurance costs around $204, collision costs $378, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $2,568 or more. Teens pay the most at $4,624 a year or more.
Average premium for full coverage: $1,182
Premium estimates for type of coverage:
Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for all Fiesta models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Ford Fiesta go from as low as $496 for minimum levels of liability insurance to the much higher price of $2,568 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.
The example below illustrates the effect of geographic area on auto insurance rates.
These rate differences highlight why everyone should compare rates for a specific zip code and risk profile, instead of using averaged prices.
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 breaks down estimated Ford Fiesta insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $692
- Drivers who choose higher $1,000 deductibles will pay about $132 every year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,182
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $256 every year
- Higher-risk drivers with serious driving violations could pay at least $2,568 or more
- An auto insurance policy for full coverage for a teen driver for full coverage can be $4,624 a year
Auto insurance prices for a Ford Fiesta also have a wide range based on your driving characteristics, the model of your Fiesta, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,600 a year. View Rates by Age
Where you choose to live makes a big difference in Ford Fiesta insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,690 on average in Michigan, New York, and Louisiana.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $390 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at least $1,400 to $2,000 in extra premium annually, depending on your age. Ford Fiesta insurance for high-risk drivers can cost as much as 43% to 132% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially different from one company to the next.
| 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 Find Cheaper Ford Fiesta Insurance
Finding better rates on car insurance not only requires being safe and accident-free, but also having good credit, refrain from filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
Below you'll find a condensed summary of the primary concepts that were covered in the above illustrations.
- You may be able to save up to $140 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with multiple at-fault accidents pay on average $1,390 more every year than a low-risk driver
- Increasing policy deductibles can save around $400 each year
- Youthful drivers are expensive to insure, with the cost nearing $385 per 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.
| 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.
| 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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