Ford Fiesta Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• Insuring a Ford Fiesta costs about the same as insuring the average car.

• Full coverage for a Fiesta normally comes in at around $173 a month, while liability only insurance rates come in at about $87.

• American Alliance is the lowest auto insurance carrier for a Fiesta.

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Fiesta Overview

With base prices starting at just $14,260 for 2019 models, the Ford Fiesta is a great budget-friendly option for any driver. Even more exciting than being on the affordable end of the spectrum when it comes to overall price point, it's also a smart option for your budget when taking insurance premiums into consideration.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that Ford Fiesta insurance costs run around $167 monthly, on average. But compared to other vehicles in the market, are Fiesta auto insurance prices higher or lower than those of similar cars?

How Much is Car Insurance for a Ford Fiesta?

In the table above, you'll see that compared to other vehicles on the road, Ford Fiesta insurance costs are about average. Fiesta owners generally pay around $173 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $87 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

When you compare it to other models, the Fiesta is slightly more expensive, with premiums about 7% higher than the other vehicle types offered by Ford. But Fiesta coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance rates $4 cheaper than other cars and liability insurance prices coming in at $4 higher.

Compared to all vehicles, no matter which body style, model, or make they are, the Fiesta follows a similar pattern of having average insurance premiums.

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Who has the Cheapest Car Insurance for a Ford Fiesta?

Are you looking for a car insurance policy for your Ford Fiesta? You may want to know which company offers the most affordable rates. Although there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $28 a month from CSAA. With car insurance sometimes as little as $37 per month, Ohio Mutual is the next cheapest car insurance company.

MetroMile, Aspire, and Shelter Mutual round out the end of the top 5 list. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

After all, insurance companies look at a bunch of things when calculating rates, so your results might be different. Since every driver is different, there's only one way to make sure you get the most affordable premiums, and that's by getting personalized quotes and comparing rates from a lot of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Ford Fiesta?

There are lots of factors that car insurance companies take a look at to calculate how much they charge for auto insurance -- and every carrier uses a different formula, so there's not a singular company that's the lowest for each Fiesta owner.

The sections below show many of the variables insurance carriers use to choose rates:

Vehicle Age

The Ford Fiesta has been around for a while -- that means vehicle age can make a difference in what you end up paying for car insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Fiestas begin to depreciate, insurance costs will gradually get lower.

As you can see in the table above, the Ford Fiesta is an outlier, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest Fiestas are 1 year old or less, on average.

Your Age

Age is another variable that makes a big difference in how much auto insurance companies will charge you. Based on the information above, those who have more experience pay a lot more compared to drivers who are under 18. Ford Fiesta drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Fiesta.

Your Gender

Because women are less likely to get into accidents and get tickets, they run a lower risk of filing a claim with insurance. So, insurance carriers will often charge women less than men. When it comes to Fiesta drivers specifically, men pay around 12% more than women monthly for insurance.

Where You Live

You may think it's obvious that factors like how old you are and what vehicle you drive play a role in your car insurance costs, but you may not realize that where you live can be just as important. Insurance is regulated at the state level, so prices fluctuate quite a bit depending on what state you live in.

For example, the average Ford Fiesta driver from New York pays about $201 a month for liability coverage, while the same owner from California will pay less than a third of that price, on average. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much prices can change between states.

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Ford Fiesta Car Insurance Discounts

Regardless of which vehicle you drive, how old you are, or what state you call home, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a new policy.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy price at once, rather than by monthly payments

These discounts are great, but they don't even begin to cover all of the ways you can save money on your car insurance. Some of them aren't even labelled as "discounts" at all, but instead encompass things like driving safely and avoiding accidents.

You obviously can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you can control. Below are just a few of the variables you can use in your favor when it comes to saving cash:

Your Driving Record

It's no secret that auto insurance companies offer the cheapest rates to drivers with clean records. It shouldn't come as a surprise that if you get into an accident or get tickets for speeding, insurance costs will go up. But exactly how much can these infractions cost you?

You can see from the table above that accidents will usually cost Fiesta drivers more than tickets, but both will result in above average rates. Ford Fiesta drivers with one accident on their record pay an average of $101 every month (up $14 from the $87/mo. overall average), while drivers with a single ticket will pay about $79 per month. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

Another factor that plays a role in your car insurance premiums is the total amount of miles you drive annually. Drivers who are on the roads less are less likely to get tickets, so they'll typically end up spending less on insurance. In the table above, you can see that Ford Fiesta owners who drive fewer than 2,500 miles each year pay an average of $81 monthly for car insurance, while those who drive over 7,500 miles a year tend to pay more.

But if you drive a limited amount, you might consider learning about usage-based or pay-per-mile auto insurance policies. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Ford Fiestas Compare to Other Vehicles?

If you're considering buying a new vehicle and a Ford Fiesta is on your shortlist, you might be wondering how it compares to other cars. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Ford Fiesta stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Ford Fiesta is a great value for any budget. The Fiesta has a base price of $14,260, which is much cheaper than the national average vehicle price of $46,119.

Unlike the Fiesta's lower price, car insurance rates run above average when compared to other vehicles on the market. Full coverage insurance for a Ford Fiesta is around $28 a month more expensive than average, while liability only coverage is $16 higher per month.

When it comes to usage, Ford Fiesta drivers aren't far from the national average in annual miles driven, with 11,681 miles a year for all vehicles compared to the Fiesta's 11,350 per year.

Ford Fiesta Car Insurance Costs by Model Year

You've seen how different factors can have an impact on how much the average driver pays for auto insurance. If you're considering buying a new vehicle and the Fiesta is one you're thinking about, knowing what you'll likely pay is extremely valuable as you weigh your options.

For this reason, we've crunched the numbers and broken down Ford Fiesta insurance premiums by model year. Find the model year you want in the dropdown to see average rates for both full coverage and liability only options. We've also included some other helpful info that might help you make a decision, like which trim levels are offered, the base MSRP, and who offers the lowest policies for each year the Fiesta has been around.

Choose Your Model

2019 Ford Fiesta Car Insurance 2018 Ford Fiesta Car Insurance 2017 Ford Fiesta Car Insurance 2016 Ford Fiesta Car Insurance 2015 Ford Fiesta Car Insurance 2014 Ford Fiesta Car Insurance 2013 Ford Fiesta Car Insurance 2012 Ford Fiesta Car Insurance 2011 Ford Fiesta Car Insurance

2019 Ford Fiesta Car Insurance

The average cost to insure a 2019 Fiesta with liability only coverage is $97 a month, while full coverage runs about $197 monthly.

If you're looking for the most affordable 2019 Ford Fiesta insurance policy, Commonwealth Casualty offered the cheapest policy we found, with rates sometimes as low as $18 per month.

If you want to find the best prices for car insurance for a 2019 Ford Fiesta, enter your ZIP code below and compare a range of personalized quotes in just a few minutes.

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2018 Ford Fiesta Car Insurance

It costs around $89 a month for liability or $201 for a full coverage policy for the 2018 Ford Fiesta.

With prices as little as just $19 monthly, Gainsco offered the cheapest policy we found for the 2018 Ford Fiesta.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2017 Ford Fiesta Car Insurance

On average, drivers who own a 2017 Fiesta can expect to pay $108 to $183 per month for liability only and full coverage auto insurance, respectively.

With costs as low as just $27 monthly, MetroMile offered the most affordable policy we found.

Want to find the best rates? Just enter your ZIP code below to get lots of personalized quotes for free.

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2016 Ford Fiesta Car Insurance

You can expect full coverage for a 2016 Ford Fiesta to run about $183 a month, while liability only coverage will average around $94 per month.

Liberty Mutual has premiums as cheap as just $23 a month for the 2016 Ford Fiesta.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2015 Ford Fiesta Car Insurance

2015 Fiesta drivers can expect to pay an average of $88 monthly for liability or $174 for full coverage.

Commonwealth Casualty offered the cheapest policy we found, with rates as low as $20 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2014 Ford Fiesta Car Insurance

It costs about $75 monthly for liability or $170 for a full coverage policy for the 2014 Ford Fiesta.

Looking for the lowest policy? Elephant offered liability only coverage for sometimes as cheap as $19 per month.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get several personalized quotes for free.

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2013 Ford Fiesta Car Insurance

On average, drivers who own a 2013 Fiesta can expect to pay $79 to $160 a month for liability only and full coverage insurance, respectively.

We found Commonwealth Casualty offered the cheapest policy, with rates as little as $21 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2012 Ford Fiesta Car Insurance

2012 Ford Fiesta drivers can expect to pay an average of $90 a month for liability or $156 for full coverage.

With prices as cheap as $21 monthly, Elephant offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2012 Ford Fiesta, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Ford Fiesta Car Insurance

The average cost to insure a 2011 Fiesta with liability only coverage is $82 per month, while full coverage runs around $156 a month.

We found Gainsco offered the most affordable policy, with rates as little as $19 monthly.

Interested in just how much you'll pay? Just enter your ZIP code below to get multiple free personalized quotes.

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Ford Fiesta Insurance FAQs

Is a Ford Fiesta expensive to insure?

Liability insurance runs an average of $87 a month, while full coverage will cost you around $173. The cost of auto insurance for the Ford Fiesta is about on par with the average car.

How can I get the best price on car insurance for my Ford Fiesta?

There's only one way to be confident you're getting the cheapest rates -- regularly shopping around and comparing quotes from an array of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from several companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Ford Fiesta affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. Even though there are a variety of things insurance carriers look at when they calculate how much your policy will be, your vehicle's color is not one of them.

Do I need to have insurance before I buy a Ford Fiesta?

You'll need to have valid car insurance for your car before you can legally drive your it off the dealership lot. Some dealerships will offer you a car insurance policy as part of the buying process, but your best bet is letting your insurance carrier know ahead of time.

What car insurance discounts can I get for my Ford Fiesta?

There are several different discounts out there for auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are based less on your Fiesta and more on you, but if your Fiesta has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The best way to find out is to get in touch with your insurance company and ask about their list of discounts, since they shift quite a bit from carrier to carrier.