Ford Fiesta Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 6, 2023
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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.
Average insurance prices for a Ford Fiesta are $1,132 every 12 months including full coverage. Comprehensive costs approximately $188 a year, collision costs $330, and liability insurance costs $456. A policy with just liability insurance costs as little as $508 a year, with coverage for high-risk drivers costing around $2,454. Teen drivers receive the highest rates at $4,476 a year or more.
Average premium for full coverage: $1,132
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Fiesta trim levels.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $508 for minimum levels of liability insurance to a high of $2,454 for coverage for higher-risk drivers.
Price Range by Location
Your location has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.
The diagram below illustrates how your location can change auto insurance prices.
These examples highlight why it is important to compare rates using their specific location and their own driving history, 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.
Additional Rate Details
The chart below breaks down estimated Ford Fiesta insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $669
- Drivers who choose higher $1,000 deductibles will pay $1,016 every year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,132
- Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,360
- High risk drivers with multiple violations and an at-fault accident could pay around $2,454 or more
- The cost to insure a teen driver can cost $4,476 a year
Insurance rates for a Ford Fiesta can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Fiesta.
Choosing high deductibles could save up to $350 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $411 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,400 to $1,900 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 138% more than average. View High Risk Driver Rates
Where you live makes a big difference in Ford Fiesta insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,620 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,024 | -$108 | -9.5% |
| Alaska | $868 | -$264 | -23.3% |
| Arizona | $940 | -$192 | -17.0% |
| Arkansas | $1,132 | -$0 | 0.0% |
| California | $1,290 | $158 | 14.0% |
| Colorado | $1,082 | -$50 | -4.4% |
| Connecticut | $1,164 | $32 | 2.8% |
| Delaware | $1,282 | $150 | 13.3% |
| Florida | $1,418 | $286 | 25.3% |
| Georgia | $1,044 | -$88 | -7.8% |
| Hawaii | $814 | -$318 | -28.1% |
| Idaho | $766 | -$366 | -32.3% |
| Illinois | $844 | -$288 | -25.4% |
| Indiana | $852 | -$280 | -24.7% |
| Iowa | $764 | -$368 | -32.5% |
| Kansas | $1,074 | -$58 | -5.1% |
| Kentucky | $1,544 | $412 | 36.4% |
| Louisiana | $1,674 | $542 | 47.9% |
| Maine | $700 | -$432 | -38.2% |
| Maryland | $934 | -$198 | -17.5% |
| Massachusetts | $906 | -$226 | -20.0% |
| Michigan | $1,968 | $836 | 73.9% |
| Minnesota | $948 | -$184 | -16.3% |
| Mississippi | $1,356 | $224 | 19.8% |
| Missouri | $1,004 | -$128 | -11.3% |
| Montana | $1,216 | $84 | 7.4% |
| Nebraska | $892 | -$240 | -21.2% |
| Nevada | $1,358 | $226 | 20.0% |
| New Hampshire | $816 | -$316 | -27.9% |
| New Jersey | $1,264 | $132 | 11.7% |
| New Mexico | $1,002 | -$130 | -11.5% |
| New York | $1,192 | $60 | 5.3% |
| North Carolina | $652 | -$480 | -42.4% |
| North Dakota | $926 | -$206 | -18.2% |
| Ohio | $782 | -$350 | -30.9% |
| Oklahoma | $1,164 | $32 | 2.8% |
| Oregon | $1,036 | -$96 | -8.5% |
| Pennsylvania | $1,080 | -$52 | -4.6% |
| Rhode Island | $1,512 | $380 | 33.6% |
| South Carolina | $1,024 | -$108 | -9.5% |
| South Dakota | $954 | -$178 | -15.7% |
| Tennessee | $990 | -$142 | -12.5% |
| Texas | $1,362 | $230 | 20.3% |
| Utah | $840 | -$292 | -25.8% |
| Vermont | $776 | -$356 | -31.4% |
| Virginia | $678 | -$454 | -40.1% |
| Washington | $876 | -$256 | -22.6% |
| West Virginia | $1,036 | -$96 | -8.5% |
| Wisconsin | $784 | -$348 | -30.7% |
| Wyoming | $1,010 | -$122 | -10.8% |
With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Fiesta | $224 | $408 | $416 | $1,206 |
| 2022 Ford Fiesta | $216 | $390 | $430 | $1,194 |
| 2021 Ford Fiesta | $204 | $378 | $442 | $1,182 |
| 2020 Ford Fiesta | $196 | $350 | $452 | $1,156 |
| 2019 Ford Fiesta | $188 | $330 | $456 | $1,132 |
| 2018 Ford Fiesta | $180 | $296 | $460 | $1,094 |
| 2017 Ford Fiesta | $168 | $272 | $460 | $1,058 |
| 2016 Ford Fiesta | $162 | $254 | $464 | $1,038 |
| 2015 Ford Fiesta | $158 | $238 | $474 | $1,028 |
| 2014 Ford Fiesta | $148 | $220 | $474 | $1,000 |
| 2013 Ford Fiesta | $144 | $200 | $478 | $980 |
| 2012 Ford Fiesta | $134 | $184 | $474 | $950 |
| 2011 Ford Fiesta | $126 | $166 | $474 | $924 |
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 Cheap Ford Fiesta Insurance
Saving money on Ford Fiesta insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at least once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.
The following items are a brief summary of the primary concepts that were illustrated above.
- You may be able to save around $130 per year simply by quoting early and online
- High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,320 more per year than a driver with a clean driving record
- Increasing deductibles could save as much as $350 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $373 per 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.
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 | $4,476 |
| 20 | $2,620 |
| 30 | $1,162 |
| 40 | $1,132 |
| 50 | $1,038 |
| 60 | $1,018 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,360 |
| $250 | $1,254 |
| $500 | $1,132 |
| $1,000 | $1,016 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,132 |
| 50/100 | $1,223 |
| 100/300 | $1,337 |
| 250/500 | $1,634 |
| 100 CSL | $1,269 |
| 300 CSL | $1,520 |
| 500 CSL | $1,702 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,338 |
| 20 | $4,178 |
| 30 | $2,486 |
| 40 | $2,454 |
| 50 | $2,348 |
| 60 | $2,328 |
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 | $58 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $76 |
| 5-yr Claim Free | $72 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $78 |
| Total Discounts | $463 |
Discounts are estimated and may not be available from every company or in every state.
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