Ford Fiesta Insurance Cost Estimate [How to Find Cheap Rates]

Ford Fiesta insurance rates are $1,212 a year, or around $101 a month. Mature drivers with good driving records may find rates as low as $712 a year.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 22, 2020

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Key takeaways:

  • Full coverage costs around $1,212 a year or $101 each month
  • A liability-only policy costs around $486 a year or $41 each month
  • Highest rates are for teenage drivers at around $4,430 a year or $369 each month
  • Good drivers can save as much as $500 a year by earning policy discounts
  • Ford Fiesta insurance costs around $307 less per year than the average vehicle

Ford Fiesta insurance rates are $307 cheaper than the average vehicle. You can save $60 per month when you enroll in liability-only coverage. Full coverage Ford Fiesta insurance rates are $101 per month, but teen drivers can pay as much as $369 per month. Continue reading to learn how you can save money on Ford Fiesta insurance rates.

You can start comparing quotes for Ford Fiesta auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Ford Fiesta Insurance Cost

The average auto insurance rates for a Ford Fiesta cost $1,212 a year or $101 a month.

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Are Ford Fiestas Expensive to Insure?

The chart below details how Ford Fiesta insurance rates compare to other subcompact cars like the Ford Focus ST, Kia Rio, and .

Vehicle Comprehensive Collision Liability Total
Ford Fiesta $242 $422 $390 $1,212
Ford Focus ST $282 $536 $398 $1,374
Kia Rio $244 $506 $450 $1,380
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However, there are a few things you can do to find the cheapest Ford insurance rates online.

What Impacts the Cost of Ford Fiesta Insurance?

The Ford Fiesta trim and model you choose can impact the total price you will pay for Ford Fiesta insurance coverage.

Age of the Vehicle

Older Ford Fiesta models generally cost less to insure. For example, auto insurance for a 2019 Ford Fiesta costs $1,212, while 2011 Ford Fiesta insurance costs are $1,058, a difference of $154.

Model Year Comprehensive Collision Liability Total
2019 Ford Fiesta $242 $422 $390 $1,212
2018 Ford Fiesta $232 $418 $398 $1,206
2017 Ford Fiesta $224 $408 $416 $1,206
2016 Ford Fiesta $216 $390 $430 $1,194
2015 Ford Fiesta $204 $378 $442 $1,182
2014 Ford Fiesta $196 $350 $452 $1,156
2013 Ford Fiesta $188 $330 $456 $1,132
2012 Ford Fiesta $180 $296 $460 $1,094
2011 Ford Fiesta $168 $272 $460 $1,058
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Driver Age

Driver age can have a significant impact on Ford Fiesta auto insurance rates. For example, 20-year-old drivers pay approximately $1,483 more each year for their Ford Fiesta auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Ford Fiesta insurance rates. For example, drivers in Los Angeles may pay $449 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Ford Fiesta auto insurance. Teens and drivers in their 20’s have the highest jump in their Ford Fiesta auto insurance with violations on their driving record.

Ford Fiesta Safety Ratings

Your Ford Fiesta auto insurance rates are tied to the Ford Fiesta’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side M
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats G
Source: Insurance Institute for Highway Safety
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Ford Fiesta Crash Test Ratings

Ford Fiesta crash test ratings can impact your Ford Fiesta auto insurance rates. See Ford Fiesta crash test results below:

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
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Ford Fiesta Safety Features

Having a variety of safety features on your Ford Fiesta can help lower your Ford Fiesta insurance costs. The Ford Fiesta’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • Front Disc/Rear Drum Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control

Ford Fiesta Insurance Loss Probability

Review the Ford Fiesta auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Ford Fiesta auto insurance costs; higher percentages mean higher Ford Fiesta auto insurance costs.

Insurance Coverage Category Loss Rate
Collision -4%
Property Damage -9%
Comprehensive -27%
Personal Injury 15%
Medical Payment 23%
Bodily Injury 13%
Source: Insurance Institute for Highway Safety
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Ford Fiesta Finance and Insurance Cost

If you are financing a Ford Fiesta, you will pay more if you purchase Ford Fiesta auto insurance at the dealership, so be sure to shop around and compare Ford Fiesta auto insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Fiesta Insurance

There are several ways you can save even more on your Ford Fiesta auto insurance rates. Take a look at the following five tips:

  • Reduce Modifications on Your Ford Fiesta
  • Ask About Retiree Discounts
  • Consider Ride Sharing Services to Lower Your Ford Fiesta Mileage
  • Check Your Ford Fiesta Policy Carefully to Ensure All Information is Correct
  • Ask About Discounts for People with Disabilities

Top Ford Fiesta Insurance Companies

Several insurance companies offer competitive rates for the Ford Fiesta based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Ford Fiesta drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Ford Fiesta Insurance Quotes Online

Save money by comparing Ford Fiesta insurance rates with free quotes online now!

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