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 auto insurance rates for a Ford Fiesta are $1,182 annually with full coverage. Comprehensive costs approximately $204 each year, collision insurance costs $378, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs around $2,568. Teen drivers cost the most to insure at up to $4,624 a year.
Average premium for full coverage: $1,182
Policy rates by type of insurance:
Prices are based on $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Fiesta models.
Price Range Variability
For a driver around age 40, Ford Fiesta insurance rates range from as cheap as $496 for minimum levels of liability insurance to a high rate of $2,568 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.
The examples above demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based 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 details average Ford Fiesta insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $692
- Choosing higher $1,000 deductibles can save $132 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,182
- Choosing low deductibles for comp and collision coverage will cost $1,438
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,568
- Policy cost with full coverage for a 16-year-old driver can cost $4,624 each year
Car insurance rates for a Ford Fiesta also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 132% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $390 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit
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 $850 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,600 on average in New York, Michigan, and Florida.
| 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% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Ford Fiesta | $242 | $422 | $390 | $1,212 |
| 2022 Ford Fiesta | $232 | $418 | $398 | $1,206 |
| 2021 Ford Fiesta | $224 | $408 | $416 | $1,206 |
| 2020 Ford Fiesta | $216 | $390 | $430 | $1,194 |
| 2019 Ford Fiesta | $204 | $378 | $442 | $1,182 |
| 2018 Ford Fiesta | $196 | $350 | $452 | $1,156 |
| 2017 Ford Fiesta | $188 | $330 | $456 | $1,132 |
| 2016 Ford Fiesta | $180 | $296 | $460 | $1,094 |
| 2015 Ford Fiesta | $168 | $272 | $460 | $1,058 |
| 2014 Ford Fiesta | $162 | $254 | $464 | $1,038 |
| 2013 Ford Fiesta | $158 | $238 | $474 | $1,028 |
| 2012 Ford Fiesta | $148 | $220 | $474 | $1,000 |
| 2011 Ford Fiesta | $144 | $200 | $478 | $980 |
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 Affordable Ford Fiesta Insurance
Finding cheaper rates on insurance for a Ford Fiesta takes being a good driver, having a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to compare rates once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief review of the data that was covered above.
- You may be able to save around $140 per year just by quoting online in advance
- Insureds who purchase an increased level of liability coverage will pay about $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 pay the highest auto insurance rates, as much as $385 each month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,390 more per year than a safer driver
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 | $4,624 |
| 20 | $2,742 |
| 30 | $1,218 |
| 40 | $1,182 |
| 50 | $1,082 |
| 60 | $1,062 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,438 |
| $250 | $1,320 |
| $500 | $1,182 |
| $1,000 | $1,050 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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