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 $1,156 a year for full coverage insurance. Comprehensive insurance costs on average $196 each year, collision costs $350, and liability is estimated at $452. A policy with only liability insurance costs approximately $504 a year, with a high-risk policy costing $2,506 or more. 16-year-old drivers pay the most at $4,546 a year or more.

Average premium for full coverage: $1,156

Premium estimates by type of coverage:

Comprehensive $196
Collision $350
Liability $452

Rate estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Fiesta models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for a Ford Fiesta go from the low end price of $504 for a discount liability-only rate to a high rate of $2,506 for a driver who requires high-risk insurance.

Liability Only $504
Full Coverage $1,156
High Risk $2,506

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

Rural Areas $867
Small Cities $1,214
Large Cities $1,561

These rate differences illustrate why all drivers should get quotes based on a specific location, instead of using 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 illustrates estimated Ford Fiesta insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $679
  • Choosing higher $1,000 deductibles can save around $124 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,156
  • Buying low deductibles for comp and collision coverage will cost an additional $240 every year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,506 or more
  • An auto insurance policy that insures a teen driver may cost $4,546 each year

View Chart as Image

Ford Fiesta insurance cost comparison chart
Column chart showing full coverage Ford Fiesta insurance prices range from $679 to $4,546

Car insurance prices for a Ford Fiesta also have a wide range based on the trim level and model year, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 135% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $4,500 a year. View Rates by Age

Where you choose to live 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 Vermont, Wisconsin, and North Carolina, or at least $1,560 on average in Michigan, New York, and Florida.

Ford Fiesta Insurance Rates by State
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%

View Chart as Image

Ford Fiesta insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $370 every year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different.

Ford Fiesta Insurance Rates by Model Year
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 Find the Best Ford Fiesta Insurance

Finding better rates on car insurance takes being a safe and courteous driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at every other renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief recap of the concepts that were touched on above.

  • Higher risk drivers who tend to receive serious violations may pay on average $1,350 more each year for auto insurance
  • Teenage drivers are expensive to insure, with premiums being up to $379 per month if full coverage is purchased
  • It is possible to save as much as $140 per year simply by quoting online in advance
  • Increasing policy deductibles can save approximately $375 each year
  • It is possible to save as much as $140 per year simply by quoting online in advance

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 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

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%

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 $4,546
20 $2,678
30 $1,188
40 $1,156
50 $1,060
60 $1,040

Full coverage, $500 deductibles

Rates by Deductible

Ford Fiesta Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,396
$250 $1,286
$500 $1,156
$1,000 $1,032

Full coverage, driver age 40

Rates by Liability Limit

Ford Fiesta Insurance Rates with Different Liability Limits
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

Ford Fiesta Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $679

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

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