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Ford Fiesta Insurance Cost Estimate [How to Find Low Rates Online]

Ford Fiesta insurance costs are around $101 per month. Finding Ford Fiesta insurance quotes for a 17 year old could put you at $370 per month. Find cheap Ford Fiesta insurance rates online with this guide.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 17, 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 a good bit less per year than the average vehicle, with full coverage costing around $1,212 a year or $101 a month. 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 for being safe and courteous drivers. 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 Kia Rio and Ford Focus ST.

Vehicle Comprehensive Collision Liability Total
Ford Fiesta $242 $422 $390 $1,212
Kia Rio $244 $506 $450 $1,380
Ford Focus ST $282 $536 $398 $1,374

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?

You might have noticed that there is a multitude of factors that impact Ford Fiesta car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Ford Fiesta.

Age of the Vehicle

Older Ford Fiesta models generally cost less to insure. For example, car insurance rates for a 2019 Ford Fiesta are $1,212, while 2011 Ford Fiesta rates 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

Driver Age

Driver age can have a significant effect on Ford Fiesta car insurance rates. As an example, a 30-year-old driver pays around $53 more each year for their Ford Fiesta car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Ford Fiesta insurance rates. For example, drivers in New York may pay $739 a year more than drivers in Seattle.

Your Driving Record

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

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

Ford Fiesta Safety Features

Most drivers don’t realize that not only do Ford Fiesta safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Ford Fiesta auto insurance rates. 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

The lower percentage means lower Ford Fiesta auto insurance rates; higher percentages mean higher Ford Fiesta car insurance rates. The Ford Fiesta’s insurance loss probability varies for each form of coverage.

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

Ford Fiesta Finance and Insurance Cost

If you are financing a Ford Fiesta, most lenders will require your carry higher Ford Fiesta coverage options including comprehensive coverage, 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

Although it may seem like your Ford Fiesta car insurance rates are set, there are a few measures that you can take to secure the best Ford Fiesta car insurance rates possible. Take a look at the following five ways to save on Ford Fiesta auto insurance.

  • Ask About Welcome Discounts
  • Don’t Always Pick the Cheapest Ford Fiesta Insurance Policy
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Carpool to Work Instead of Driving Your Ford Fiesta
  • Ask About Farm and Ranch Vehicle Discounts

Top Ford Fiesta Insurance Companies

Who is the top 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

Compare Free Ford Fiesta Insurance Quotes Online

To start comparing Ford Fiesta car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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