Ford Fiesta Car Insurance [Guide + Free Quotes]

If you want to buy affordable Ford Fiesta insurance coverage then you should know that a policy will cost $101 per month ($1,212 per year) on average. Good drivers can save as much as $1,870 a year over higher risk drivers.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 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 average $1,212 a year or $101 a month for full coverage. Older Ford Fiestas may only need liability coverage, which only costs around $486 a year or $41 a month.

Good drivers can save up to $500 a year in policy discounts by practicing safe driving habits. Let’s look at Ford Fiesta insurance rates, crash test ratings, and more.

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

Ford Fiesta Insurance Cost

The average Ford Fiesta car insurance costs are $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 and Kia Rio.

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?

Even though the average annual rate for the Ford Fiesta is $1,212, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Ford Fiesta.

Age of the Vehicle

Older Ford Fiesta models generally cost less to insure. For example, car 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 effect on the cost of Ford Fiesta car insurance. For example, 30-year-old drivers pay approximately $53 more for their Ford Fiesta car insurance than 40-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 $1,043 a year more than drivers in Indianapolis.

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 see the highest jump in their Ford Fiesta auto insurance rates with violations on their driving record.

Ford Fiesta Safety Ratings

Your Ford Fiesta car insurance rates are tied to the safety ratings of the Ford Fiesta. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
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 car 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

Good Ford Fiesta safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Ford Fiesta are:

  • 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

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

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 car insurance at the dealership, so be sure to shop around and compare Ford Fiesta car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Ford Fiesta Insurance

Drivers can end up saving more money on their Ford Fiesta car insurance rates by employing any one of the following strategies.

  • Compare Ford Fiesta Quotes Online
  • Make Sure You Use an Accredited Driver Safety Program
  • Consider Renting a Car Instead of Buying a Second Ford Fiesta
  • Move to an Area with Better Weather
  • Ask About Seasonal Insurance for Your Ford Fiesta

Top Ford Fiesta Insurance Companies

Who is the best auto insurance company for Ford Fiesta insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Ford Fiesta auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Ford Fiesta offers.

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

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