Ford Fiesta Insurance Rates
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UPDATED: Dec 11, 2019
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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 including full coverage. Comprehensive insurance costs approximately $196 a year, collision costs $350, and liability insurance is $452. Liability-only coverage costs around $504 a year, with high-risk coverage 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:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and Fiesta trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Ford Fiesta insurance prices go from as cheap as $504 for a discount liability-only rate to a high of $2,506 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates how rural and urban location affects auto insurance prices.
The ranges above highlight why it is important to compare rates quotes using their 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.
Rates by State, City, and Model
The chart below breaks down estimated Ford Fiesta insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $679
- Raising to $1,000 deductibles will save $1,032 every year
- The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,156
- Buying low $100 deductibles costs an additional $240 a year
- Higher-risk drivers with multiple tickets or accidents could pay around $2,506 or more
- The price with full coverage for a teen driver can cost $4,546
Auto insurance prices for a Ford Fiesta are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,100 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,500 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,400 to $1,900 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $370 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $407 extra every year. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Ford Fiesta insurance rates. A middle-age driver might find prices as low as $890 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,650 on average in Louisiana, New York, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Ford Fiesta||$196||$350||$452||$1,156|
|2016 Ford Fiesta||$188||$330||$456||$1,132|
|2015 Ford Fiesta||$180||$296||$460||$1,094|
|2014 Ford Fiesta||$168||$272||$460||$1,058|
|2013 Ford Fiesta||$162||$254||$464||$1,038|
|2012 Ford Fiesta||$158||$238||$474||$1,028|
|2011 Ford Fiesta||$148||$220||$474||$1,000|
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 Best Ford Fiesta Insurance
Getting lower rates on Ford Fiesta insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and not having any coverage lapses. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.
The list below is a brief recap of the data raised in the charts and tables above.
- Drivers who purchase higher liability limits will pay around $500 per year to raise from a low limit to higher 250/500 limits
- You may be able to save around $140 per year simply by quoting early and online
- Increasing physical damage deductibles could save up to $375 each year
- Teenagers have the highest car insurance prices, possibly costing $379 a month if full coverage is included
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.
|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|
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$79|
|5-yr Claim Free||$74|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.