Key Takeaways
- Insurance for a Ford Fiesta will cost on average $1136 annually or $95 per month.
- The Ford Fiesta S Hatchback and S Sedan trim levels are the cheapest to insure, costing roughly $1108 per year.
- The Fiesta Fiesta ST Hatchback trim level is the costliest to insure, with the annual premium being $1250 per year.
- The cheapest minimum coverage for the Ford Fiesta starts at $792 per year.
Ford Fiesta auto insurance cost
The Ford Fiesta is a subcompact car – known for being easily maneuverable, having great mileage, and having small interiors. If you're looking for a nifty urban commute vehicle, it will check all your boxes – including affordability! That said, you also need to choose a good Ford Fiesta insurance policy to ensure you don’t end up paying out of pocket in an unforeseen situation.
On average, Ford Fiesta insurance will cost $1136 per year, which is nearly $500 cheaper than the national average of $1635 per year.That makes it one of the most affordable subcompact cars to insure in its category.
The only challenge you may face is deciding which insurance provider to pick. We’ve made that easy for you - get a free quote for your Ford in just minutes and compare offers from top auto insurance companies easily using Way.com.
Are Ford Fiestas expensive to insure?
Compared to other vehicles in the ‘small cars’ segment, the Ford Fiesta is one of the cheapest cars to insure. In fact, we found that it lies in the same bracket as the Honda Fit, Toyota Corolla, and the Fiat 500, which all lie between the range of $1135-$1150 per year to insure.
It is roughly $600 cheaper to insure than the most expensive vehicle in its segment – the Toyota Mirai.
| Ford Fiesta | $1136 |
| Honda Fit | $1140 |
| Toyota Corolla | $1146 |
| Fiat 500 | $1148 |
| Fiat 500L | $1216 |
| Chevrolet Spark | $1232 |
| Volkswagen Golf | $1234 |
| Fiat 124 Spider | $1236 |
| Toyota Yaris | $1246 |
| Smart Fortwo | $1248 |
| Hyundai Accent | $1252 |
| Subaru Impreza | $1258 |
| Mazda 3 | $1270 |
| Honda Civic | $1338 |
| Fiat 500E | $1342 |
| Nissan Sentra | $1362 |
| Nissan Versa | $1372 |
| Kia Forte | $1374 |
| Hyundai Veloster | $1376 |
| Volkswagen Beetle | $1398 |
| Toyota Prius | $1436 |
| Kia Rio | $1448 |
| Honda Clarity | $1452 |
| Volkswagen GTI | $1470 |
| Chevrolet Sonic | $1476 |
| Hyundai Ioniq | $1484 |
| Chevrolet Cruze | $1504 |
| Chevrolet Volt | $1516 |
| Hyundai Elantra | $1546 |
| Volkswagen Jetta | $1582 |
| Volkswagen E-Golf | $1586 |
| Toyota 86 | $1670 |
| Toyota Mirai | $1744 |
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What impacts the cost of Ford Fiesta auto insurance?
Though Ford insurance is affordable, the premiums can vary based on several factors like:
- The driver’s age
- The driver’s gender
- The city you are in
- The age of the car
- Trim level of the car
- The insurance company you choose
Age of the driver
The younger you are, the riskier it will be to insure you. Generally, teens and young adults do not have a driving record to check how good a driver you are. They may be considered riskier applicants and will be charged higher Fiesta premiums.
A Ford Fiesta owner in his 20s may be charged up to $2218/year compared to a 50-year-old who’ll have a premium of $1038/year.
| Age of Driver | Average Annual Rate |
|---|---|
| Age 20 | $2218 |
| Age 30 | $1182 |
| Age 40 | $1136 |
| Age 50 | $1038 |
| Age 60 | $1016 |
Model year / age of the car
Older Ford Fiesta models will generally cost lesser to insure, because newer models with pricier equipment may have already entered the market, making older models less attractive.
The average auto insurance premium for a 2022 Ford Fiesta is $1206/year compared to $1098/year for a 2017 model.
| Model Year and Vehicle | nnual Rate | Monthly rate |
|---|---|---|
| 2022 Ford Fiesta | $1206 | $101 |
| 2021 Ford Fiesta | $1194 | $100 |
| 2020 Ford Fiesta | $1156 | $96 |
| 2019 Ford Fiesta | $1136 | $95 |
| 2018 Ford Fiesta | $1124 | $94 |
| 2017 Ford Fiesta | $1098 | $92 |
Trim level
The Ford Fiesta comes in two standard trim levels – S and SE. Depending on whether you choose a hatchback or sedan, the insurance premium can vary between $1108-$1166 per year.
The S Hatchback and S Sedan are the cheapest to insure.
| Ford Fiesta Trim Levell | Annual Rate | Monthly Rate |
|---|---|---|
| S Hatchback | $1108 | $92 |
| S Sedan | $1108 | $92 |
| SE Hatchback | $1108 | $92 |
| SE Sedan | $1108 | $92 |
| ST Line Hatchback | $1166 | $97 |
| ST Hatchback | $1250 | $104 |
City you are located in
Do you live in a large metropolis with a high density of vehicles? You may have to shell out more premium for your Ford Fiesta because of the possibility of burglaries and accidents. Certain ZIP codes can be extremely expensive to insure depending on the crimes rate in the neighborhood.
The highest Ford Fiesta premiums are found in Los Angeles and New York.
| City | Average Annual Rate |
|---|---|
| Los Angeles, CA | $2085 |
| New York, NY | $1927 |
| Houston, TX | $1915 |
| Jacksonville, FL | $1769 |
| Philadelphia, PA | $1636 |
| Chicago, IL | $1615 |
| Phoenix, AZ | $1418 |
| Seattle, WA | $1188 |
| Indianapolis, IN | $1042 |
| Columbus, OH | $1018 |
Insurance company
Based on the research done by the Way.com team, Allied Insurance offers the cheapest Ford Fiesta insurance deals averaged across all states, with a premium of $792year. However, it’s best to compare the features and coverages offered before locking yourself in.
| Company | Annual Rate |
|---|---|
| Allied | $792 |
| Erie | $1032 |
| Nationwide | $1247 |
| USAA | $1274 |
| State Farm | $1282 |
| American Family | $1363 |
| Country | $1382 |
| Arbella | $1438 |
| Southern Farm Bureau | $1454 |
How much is Ford Fiesta auto insurance for recent models?
Inflation, car prices, and other factors may increase the premium for recent Ford Fiesta models. The average auto insurance premium for a 30-year-old driver with a recent Ford Fiesta model is as follows:
- A 2022 Ford Fiesta will cost roughly $1206 per year to insure.
- A 2021 Ford Fiesta will cost $1194 per year to insure.
- A 2020 Ford Fiesta insurance premium costs on average $1156 per year.
Ford Fiesta crash test ratings
| Vehicle Year and Model | Overall Rating | Front Driver and Passenger | Side Driver and Passenger | Rollover |
|---|---|---|---|---|
| 2019 Ford Fiesta 5HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2019 Ford Fiesta 4DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2018 Ford Fiesta 5HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2018 Ford Fiesta 4DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2017 Ford Fiesta 5HB FWD | 4 stars | 4 stars | 4 stars | 4 stars |
| 2017 Ford Fiesta 4DR FWD | 4 stars | 4 stars | 4 stars | 4 stars |
Ford Fiesta safety features
You can reduce your auto insurance by ensuring the Fiesta you have is well-equipped with safety features. Some of the installed features include:
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- 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
Ford Fiesta safety ratings
| IIHS Safety Test Type | Safety Rating |
|---|---|
| Head restraints and seats | Good |
| Roof strength | Good |
| Side strength | Good |
| Moderate overlap front | Good |
| Small overlap front: passenger side | Not tested |
| Small overlap front: driver-side | Marginal |
Ford Fiesta insurance loss probability
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | -3% |
| Property Damage | -8% |
| Comprehensive | -26% |
| Personal Injury | 16% |
| Medical Payment | 24% |
| Bodily Injury | 14% |
Ways to save on Ford Fiesta car insurance
- Drive safely: Rash and careless driving can often stay on your record. Insurance companies will charge you a higher premium if you have a history of at-fault accidents.
- Improve your credit score: Applicants with excellent credit scores (more than 700) can save as much as $250 or more annually compared to those with lower credit scores.
- Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Ford Fiesta.
- Ask for relevant discounts: Ask for loyalty discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
- Bundle insurance policies: You can save even more by bundling your auto and home insurance policies.
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How do I find the best Ford Fiesta car insurance rates?
- It could be tempting to choose a provider that offers a low rate straight off the bat. However, it’s always better to apply for multiple free insurance quotes from as many companies as you can! You can either apply individually of use an insurance platform like Way.com.
- Compare, compare, compare – that should be your mantra when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
- In only a few minutes, an insurance aggregator like Way.com can help you find the lowest insurance rates you've qualified for with your financial position.
- The cheapest rates don’t always mean the best! You can always consider spending a bit more to get comprehensive coverage.
How to get Ford Fiesta auto insurance with Way.com
Simply download the Way.com app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Ford Fiesta – all in as little as 45 seconds!
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Frequently Asked Questions (FAQ)
How much does it cost to insure a Ford Fiesta?
A Ford Fiesta is quite affordable to insure – the lowest starting rate from an auto insurance provider is $792. The average cost of insuring a Ford Fiesta is $1136/year.
Are Ford Fiestas cheap to insure?
Yes, the Ford Fiesta is one of the cheapest cars to insure in its segment. It is almost $600 cheaper than the costliest car in the category, the Toyota Mirai.
What is the average insurance cost for a Ford Fiesta?
The average insurance cost for a Ford Fiesta is $1136/year.