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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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The Ford Fiesta is an inexpensive vehicle with a safety rating of four out of five stars from the National Highway Traffic Safety Administration (NHTSA),[1] contributing to its lower-than-average auto insurance rates. Ford Fiesta car insurance averages $136 per month, according to Compare.com data, while the national average for all vehicles is $152.
That said, rates vary by factors like the model year, where you live, and personal attributes, like your age and driving record. We analyzed rates from dozens of insurers to find the cheapest and best insurance companies for Ford Fiestas.
Certainly is the cheapest car insurance company for Ford Fiesta drivers of all age groups and driving profiles, according to Compare.com data.
Ford Fiesta car insurance costs an average of $136 per month.
Strong safety ratings, vehicle trim levels, and lower coverage requirements affect Ford Fiesta auto insurance premiums.
The average cost to insure a Ford Fiesta largely depends on the type of auto insurance policy you choose. For example, a liability-only policy covers injuries and property damage you cause to others in an accident but doesn’t include coverage for you or your Ford. But a full-coverage policy includes liability, comprehensive, and collision coverages for your Fiesta.
You can see the difference in liability-only and full-coverage average monthly rates and how they compare to the national average in the table below.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Ford Fiesta | $95 | $176 | $136 |
| All vehicles | $107 | $197 | $152 |
Ford Fiesta drivers pay an average monthly rate of $95 for liability-only coverage and $176 for full coverage.
Although Ford Fiesta car insurance is relatively inexpensive, you could save more by comparing rates from the cheapest insurance companies for this specific Ford model.
Even though the average cost of car insurance for a Ford Fiesta is $136 per month, you can find ways to save even more.
Getting quotes from some of the cheapest auto insurance companies is a great start. The table below showcases the cheapest insurers for Ford Fiestas, according to Compare.com data.
Certainly offers the cheapest Ford Fiesta auto insurance, averaging just $58 per month. But while Certainly has the lowest average cost, it may not be the cheapest for all Ford Fiesta drivers. Comparing quotes from multiple insurance companies is the best way to find cheap car insurance.
Compare quotes from America’s cheapest insurers.
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No single insurance company is the best for everyone. We analyzed average Fiesta car insurance rates, available discounts and coverages, and customer reviews to find the best companies for various driver profiles.
The following list includes some of the best companies, whether you’re a safe driver, have a few blemishes on your driving record, or don’t drive much.
Average premium: $58 per month
Compare.com Rating: Not rated
Cheap average rates
24/7 online customer and claims support
Customizable coverage options
Available in only a few states
Specialty coverages not available
Doesn’t advertise discounts
Certainly — a subsidiary of Liberty Mutual Insurance — has some of the cheapest rates for Ford Fiesta drivers — even if you have a car accident, ticket, or DUI on your driving record. Its online-only approach to car insurance helps you get cheaper rates. You can tailor your coverage to meet your needs and get 24/7 online customer service and claims support.
Average premium: $77 per month
Compare.com Rating: 2.98 out of 5
Monthly miles determine rates
No data tracking
Fast and easy online quote process
Available only in select states
Few optional coverages available
No advertised discounts
If you work from home or have a short commute, you could save big with a pay-per-mile insurance company like Mile Auto. Though it won’t track your phone data, it offers few optional coverages and doesn’t advertise discounts.
That said, getting a quote from Mile Auto may be worth it if you don’t drive your Fiesta much and are looking for no-frills coverage at the lowest price.
Average premium: $80 per month
Compare.com Rating: 3.43 out of 5
Driving habits determine pricing
Easy and fast claims filing
Available in most states
Higher-than-average number of customer complaints
Challenging quote process
Few discounts available
Root may offer some of the cheapest coverage for your Ford Fiesta if you have great driving skills. You must pass a driving test to get coverage, though, and meeting Root’s somewhat strict standards may be challenging. Root determines your premium based on factors like how often you make sudden stops, use your phone while driving, and speed.
Comparing quotes saves users an average of $867 per year.†
Your vehicle’s model year is a minor factor insurers use to determine your insurance cost. In general, the more your car is worth, the more it costs to insure.
The following table shows the average cost and cheapest insurer by model year for the Ford Fiesta.
Fiesta Model Year | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2019 | $151 | Root | $78 |
| 2018 | $131 | Mile Auto | $62 |
| 2017 | $144 | Certainly | $54 |
| 2016 | $136 | Root | $67 |
| 2015 | $134 | Safeco | $70 |
| 2014 | $122 | Mile Auto | $56 |
| 2013 | $117 | Elephant | $81 |
| 2012 | $119 | Mile Auto | $60 |
| 2011 | $112 | National General | $83 |
Where you live is another rating factor insurers consider. Each state and ZIP code has different vehicle theft rates, car repair and medical costs, accident severity and frequency, and weather patterns, all of which determine premium costs.[2]
We broke down the average cost of Ford Fiesta car insurance by state in the table below.
State | Average Monthly Premium |
|---|---|
| Alabama | $89 |
| Arizona | $119 |
| Arkansas | $171 |
| California | $172 |
| Colorado | $140 |
| Connecticut | $272 |
| Delaware | $166 |
| Florida | $175 |
| Georgia | $177 |
| Idaho | $90 |
| Illinois | $111 |
| Indiana | $96 |
| Iowa | $81 |
| Kansas | $110 |
| Kentucky | $175 |
| Louisiana | $161 |
| Maine | $106 |
| Maryland | $246 |
| Massachusetts | $135 |
| Michigan | $210 |
| Minnesota | $135 |
| Mississippi | $135 |
| Missouri | $131 |
| Montana | $109 |
| Nebraska | $126 |
| Nevada | $213 |
| New Hampshire | $82 |
| New Jersey | $142 |
| New Mexico | $103 |
| New York | $344 |
| North Carolina | $67 |
| North Dakota | $103 |
| Ohio | $91 |
| Oklahoma | $116 |
| Oregon | $115 |
| Pennsylvania | $117 |
| Rhode Island | $103 |
| South Carolina | $196 |
| South Dakota | $87 |
| Tennessee | $101 |
| Texas | $159 |
| Utah | $130 |
| Vermont | $97 |
| Virginia | $129 |
| Washington | $100 |
| Washington, D.C. | $203 |
| West Virginia | $103 |
| Wisconsin | $91 |
| Wyoming | $87 |
The following section shows how age affects the cost to insure a vehicle.
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Age is one of the main factors car insurance companies use to set rates. That’s because teen drivers get into more accidents than any other age group, according to the Insurance Institute for Highway Safety (IIHS).[3]
Fortunately, the typical cost to insure your vehicle goes down as you age and mature. Rates tend to increase after age 70, though, as slower reaction time may increase accident frequency and injury severity.[4]
The table below highlights average cost differences by age group and the cheapest insurer for each group, according to Compare.com data.
Age Group | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $255 | Certainly | $110 |
| 20s | $175 | Certainly | $75 |
| 30s | $136 | Certainly | $58 |
| 40s | $124 | Certainly | $53 |
| 50s | $111 | Certainly | $48 |
| 60s | $104 | Certainly | $45 |
| 70s | $112 | Certainly | $48 |
Teens who drive a Ford Fiesta can expect to pay a monthly national average of $255 for car insurance. On the other end of the age group are seniors, who spend an average of $112 per month. That said, Certainly is the cheapest insurer for both, averaging $110 per month for teens and $48 per month for Fiesta drivers older than 70.
Your driving record carries significant weight on your car insurance rates. You can get the best rates with a clean driving record — but expect to pay higher premiums if you get a ticket, DUI, or cause an accident. That’s because these risky behaviors increase your chances of filing a claim in the future, which costs your insurer money.
The table below shows how the cost to insure your Ford Fiesta may change based on your driving record, along with the cheapest companies for each infraction, according to our data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $136 | Certainly | $58 |
| Speeding ticket | $188 | Certainly | $81 |
| At-fault accident | $196 | Certainly | $85 |
| DUI | $223 | Certainly | $96 |
On average, a single at-fault accident can cause your insurance policy premiums to go up to $188 per month if you drive a Fiesta. Rates increase even more if you get a DUI conviction, with premiums costing an average of $223 per month for Fiesta drivers.
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Though Ford stopped selling new Fiestas in the U.S. in 2019, it’s cheaper on average to insure one for a few reasons:
Strong safety features rating: The NHTSA gives the most recent Ford Fiesta four out of five stars, and the IIHS gives it a “good” rating for its safety features.[5] These safety features help keep you safe in an accident and can limit medical expenses, leading to lower insurance costs.
Body styles: The Ford Fiesta comes as a four-door sedan or five-door hatchback, and both body styles tend to have cheaper car insurance premiums than two-door coupes.
Less coverage requirements: Since most Ford Fiestas are older vehicles with a low value, their drivers may need only a state-minimum insurance policy. A liability-only policy is cheaper than a full-coverage policy, which includes collision and comprehensive coverage. But if you can’t afford to fix or replace your Fiesta if you cause an accident, you should consider a more robust full-coverage policy.
Trim level: The Ford Fiesta ST has a higher price tag and a faster engine than the S and SE models, which can indirectly drive up insurance costs.
Get cheap car insurance for your Ford Fiesta without sacrificing coverage with these money-saving tips:
Maintain a clean driving record. You’ll get the best rates for your driving profile by avoiding tickets, accidents, and DUIs.
Consider telematics. Usage-based insurance tracks your driving habits and rewards safe driving behaviors with cheaper rates. Root is a great example of usage-based insurance, but other companies offer it as a discount option.
Buy only the coverage you need. If you can afford to repair or replace your Fiesta, you may need only liability coverage.
Raise your deductibles. If you need full coverage, consider raising your deductibles. This can lower your premiums, but you’re taking on more financial responsibility if you need to file a claim.
Shop regularly. Compare car insurance quotes from multiple companies whenever your policy renews to find good coverage at the best price.
Compare personalized quotes from America’s top insurers.
If you still have questions about insuring a Ford Fiesta, check out our answers to the most commonly asked questions below.
No. Ford Fiestas are relatively inexpensive to insure, costing a monthly average of $136 compared to the national average of $152, according to data from Compare.com. But your personal cost depends on factors like the Fiesta model year, your age, your driving record, and the coverage types and limits you choose.
Ford Fiesta car insurance costs an average of $136 per month, according to Compare.com data. The average cost of liability-only minimum coverage is $95, while full coverage averages $176 per month.
The cheapest Ford model to insure that’s still in production is the Ford Ranger, with an average rate of $163 per month, according to Compare.com data. Factors such as your age, driving record, ZIP code, and the model year will determine which Ford model is the cheapest for you to insure.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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