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 insurance prices for a Ford Fiesta are $1,182 every 12 months including full coverage. Comprehensive insurance costs an estimated $204, collision costs $378, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $2,568 or more. Teen drivers cost the most to insure at $4,624 a year or more.
Average premium for full coverage: $1,182
Policy rates broken down by type of insurance:
Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Fiesta trim levels.
Price Range Variability
For a driver in their 40's, Ford Fiesta insurance rates go from the cheapest price of $496 for your basic liability-only policy to a much higher rate of $2,568 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.
The price range example below illustrates how location helps determine insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area 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.
More Rate Information
The chart below breaks down estimated Ford Fiesta insurance rates for other coverage scenarios.
- The lowest rate with discounts is $692
- Raising to $1,000 deductibles will save approximately $132 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,182
- Choosing more expensive low deductibles costs an extra $256 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,568 or more
- Policy cost to insure a teen driver with full coverage can cost as much as $4,624
Insurance rates for a Ford Fiesta also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing high deductibles can reduce rates by up to $390 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $4,600 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,400 to $2,000 additional every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 132% more than average. View High Risk Driver Rates
Your home state also has a big influence on Ford Fiesta insurance rates. A middle-age driver might find rates as low as $910 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,690 on average in Louisiana, New York, and Michigan.
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% |
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates will be varied.
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 Shop for the Right Ford Fiesta Insurance
Finding cheaper rates on Ford Fiesta insurance consists of being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The items below are a quick rundown of the information covered in the charts and tables above.
- You may be able to save approximately $140 per year simply by shopping early and online
- Teen drivers are expensive to insure, with premiums being up to $385 each month if full coverage is included
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,390 more annually to insure their Fiesta
- Drivers who want more liability coverage will pay about $490 per year to raise from a 30/60 limit to a 250/500 level
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 RatingsVehicle 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 ProbabilityInsurance 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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