Ford Fiesta Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 11, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance rates for a Ford Fiesta are $1,182 a year for full coverage. Comprehensive costs on average $204 a year, collision costs $378, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,568. Teen drivers receive the highest rates at $4,624 a year or more.

Average premium for full coverage: $1,182

Rate estimates by individual coverage type:

Comprehensive $204
Collision $378
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Fiesta trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,568 for a high risk driver.

Liability Only $496
Full Coverage $1,182
High Risk $2,568

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $887
Small Cities $1,241
Large Cities $1,596

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on 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.

Insurance Rate Analysis

The chart below shows estimated Ford Fiesta insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $692
  • Drivers who choose higher $1,000 deductibles will pay around $1,050 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,182
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,438
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,568 or more
  • The cost for full coverage for a teen driver may cost $4,624 a year

View Chart as Image

Ford Fiesta insurance cost comparison chart
Column chart showing full coverage Ford Fiesta insurance rates range from $692 to $4,624

for a Ford Fiesta can also vary considerably based on your driver profile, the trim level of your Fiesta, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,600 a year. View Rates by Age

Where you live makes a big difference in Ford Fiesta insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,690 on average in Michigan, Louisiana, and New York.

Ford Fiesta Insurance Rates by State
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%

View Chart as Image

Ford Fiesta insurance rates by U.S. city

Choosing high deductibles could save up to $390 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Ford Fiesta Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Ford Fiesta $204 $378 $442 $1,182
2016 Ford Fiesta $196 $350 $452 $1,156
2015 Ford Fiesta $188 $330 $456 $1,132
2014 Ford Fiesta $180 $296 $460 $1,094
2013 Ford Fiesta $168 $272 $460 $1,058
2012 Ford Fiesta $162 $254 $464 $1,038
2011 Ford Fiesta $158 $238 $474 $1,028

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

Saving money on Ford Fiesta insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $400 each year
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $385 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,390 more each year for insurance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 TestedOverallFrontalSideRollover
2019 Ford Fiesta 5 HB FWD4 stars4 stars4 stars4 stars
2019 Ford Fiesta 4 DR FWD4 stars4 stars4 stars4 stars
2018 Ford Fiesta 5 HB FWD4 stars4 stars4 stars4 stars
2018 Ford Fiesta 4 DR FWD4 stars4 stars4 stars4 stars
2017 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2017 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2016 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2016 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2015 Ford Fiesta 5 HB FWD4 stars4 stars2 stars4 stars
2015 Ford Fiesta 4 DR FWD4 stars4 stars2 stars4 stars
2014 Ford Fiesta 5 HB FWD4 stars4 stars2 stars4 stars
2014 Ford Fiesta 4 DR FWD4 stars4 stars2 stars4 stars
2013 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2013 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2012 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2012 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
2011 Ford Fiesta 5 HB FWD4 stars4 stars5 stars4 stars
2011 Ford Fiesta 4 DR FWD4 stars4 stars5 stars4 stars
Get Your Rates Quote Now

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 CategoryLoss Rate
Collision4%
Property Damage33%
Comprehensive-33%
Personal Injury62%
Medical Payment88%
Bodily Injury57%
Get Your Rates Quote Now

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.

Rates by Driver Age

Ford Fiesta Insurance 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

Ford Fiesta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,438
$250 $1,320
$500 $1,182
$1,000 $1,050

Full coverage, driver age 40

Rates by Liability Limit

Ford Fiesta Insurance Rates with Different Liability Limits
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

Ford Fiesta Insurance 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.

SR-22 Surcharge $165

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
Rate after discounts $692

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles