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.
The average insurance prices for a Ford Fiesta are $1,156 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $196, collision costs $350, and liability is estimated at $452. Buying just liability costs approximately $504 a year, with insurance for high-risk drivers costing $2,506 or more. Teenage drivers cost the most to insure at $4,546 a year or more.
Average premium for full coverage: $1,156
Policy rates by type of insurance:
Includes $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Fiesta models.
Price Range Variability
For a driver in their 40's, Ford Fiesta insurance rates go from the cheapest price of $504 for just liability insurance to the much higher price of $2,506 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.
The example below illustrates how location helps determine auto insurance prices.
The examples above illustrate why everyone should get quotes using their specific location and their own driving history, 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.
More Rate Details
The chart below illustrates estimated Ford Fiesta insurance rates for additional coverage and risk scenarios.
- The best discount rate is $679
- Choosing higher $1,000 deductibles can save $124 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,156
- Using pricier low deductibles for comp and collision coverage costs an extra $240 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $2,506 or more
- Policy cost to insure a 16-year-old driver for full coverage can cost $4,546 each year
Insurance rates for a Ford Fiesta also range considerably based on liability limits and deductibles, your risk profile, and the model of your Fiesta.
Using high physical damage deductibles can save as much as $370 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $407 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $1,900 extra every year, depending on your age. Ford Fiesta insurance for high-risk drivers ranges from 42% to 135% more than a normal policy. View High Risk Driver Rates
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 $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.
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% |
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates will be varied.
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 Shop for the Cheapest Ford Fiesta Insurance
Finding cheaper rates on insurance for a Ford Fiesta takes being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.
Below is a recap of the material that was covered in the charts and tables above.
- Insureds who purchase higher levels of liability will pay an extra $500 annually to raise limits from a 30/60 limit to a 250/500 level
- Teenage drivers are expensive to insure, possibly costing $379 each month if they have full coverage
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,350 more per year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $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 RatingsVehicle 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 ProbabilityInsurance 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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