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.
Average insurance rates for a Ford Fiesta are $1,156 a year for full coverage insurance. Comprehensive costs approximately $196 a year, collision insurance costs $350, and liability insurance costs around $452. Buying just liability costs as low as $504 a year, and insurance for high-risk drivers costs around $2,506. Teenage drivers receive the highest rates at up to $4,546 a year.
Average premium for full coverage: $1,156
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Fiesta trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $504 for the bare minimum liability coverage to a high of $2,506 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine auto insurance prices.
These examples illustrate why it is important to compare prices using their specific location and risk profile, rather than relying on average rates.
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 Information
The chart below illustrates average Ford Fiesta insurance rates for additional coverage and risk scenarios.
- The best discount rate is $679
- Using higher $1,000 deductibles will save $1,032 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,156
- Using low $100 deductibles for physical damage coverage will increase the cost to $1,396
- Drivers who are prone to accidents and violations could pay around $2,506
- The cost for full coverage for a teen driver can cost $4,546 or more
Auto insurance rates for a Ford Fiesta can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with a good driving record and high deductibles could pay as little as $1,100 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $4,500 a year. View Rates by Age
Where you live has a huge impact on Ford Fiesta insurance rates. A driver around age 40 might see rates as low as $760 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,560 on average in Florida, New York, and Michigan.
| 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% |
Using high physical damage deductibles could cut rates by as much as $370 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,400 to $1,900 in extra premium per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than a normal policy. View High Risk Driver Rates
| 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
Saving money on Ford Fiesta insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
The points below are a brief recap of the coverage data covered in the charts and tables above.
- It is possible to save around $140 per year just by quoting early and online
- Increasing deductibles can save around $375 each year
- Drivers under the age of 20 have the highest car insurance rates, costing up to $379 per month if they have full coverage
- High-risk drivers who tend to receive serious violations may pay on average $1,350 more per year to insure a Ford Fiesta
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 | $4,546 |
| 20 | $2,678 |
| 30 | $1,188 |
| 40 | $1,156 |
| 50 | $1,060 |
| 60 | $1,040 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,396 |
| $250 | $1,286 |
| $500 | $1,156 |
| $1,000 | $1,032 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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