Ford Fiesta insurance costs vary by model year, with 2019 models averaging $190 monthly compared to $73 for older versions. Newer Fiestas cost more to insure due to their higher market values.
Ford Fiesta Insurance Cost
Updated: January 20, 2026
Key Takeaways
Ford Fiesta insurance costs an average of $171 monthly for full coverage. Rates vary by model year and insurer, with GEICO offering the lowest average rates. Read more
The Fiesta ranks 32nd out of 52 hatchbacks for insurance affordability, placing it middle tier. Hatchbacks cost less to insure than most vehicle types, making the Fiesta affordable compared to typical cars. Read more
Check rates for your Fiesta's model year to get accurate insurance costs. Read more
How Much Is Ford Fiesta Insurance?
Looking for another Ford model? Read more about the cost of Ford car insurance models.
Costs vary by model year and company. Ford Fiesta minimum coverage spans $59 monthly with GEICO to $151 with UAIC, while full coverage ranges from $127 monthly with GEICO to $316 with AIG.
Rate variations exceeding $92 for minimum coverage and $189 for full coverage demonstrate why Fiesta owners need to shop around. Companies calculate risk differently for each model, affecting your quote.
| AAA | $96 | $199 |
| AIG | $127 | $316 |
| Allstate | $108 | $209 |
| Amica | $102 | $208 |
| Chubb | $118 | $231 |
| Farmers | $126 | $221 |
| Geico | $59 | $127 |
| Kemper | $90 | $181 |
| Nationwide | $117 | $201 |
| Progressive | $94 | $176 |
| State Farm | $84 | $174 |
| The Hartford | $97 | $165 |
| Travelers | $81 | $148 |
| UAIC | $151 | $188 |
Is Ford Fiesta Expensive to Insure?
MoneyGeek's analysis of 52 hatchbacks reveals the Ford Fiesta ranks 32nd for insurance affordability, meaning 31 vehicles cost less to insure. The Fiesta isn't the cheapest hatchback, but it's far from the most expensive in its class.
The Fiesta's 287th place out of 827 total cars actually puts it in the top half for affordability across all vehicle types. While the Saab 9-3 claims the cheapest hatchback spot and the Cadillac Celestiq commands the highest premiums, the Fiesta offers reasonable insurance costs compared to the broader market.
| Mazda 6 | $132 | 29 |
| Scion iM | $132 | 30 |
| Volkswagen Golf | $134 | 31 |
| Lexus IS | $134 | 32 |
| Ford Fiesta | $134 | 32 |
| Acura Integra | $137 | 33 |
| Honda Civic | $137 | 34 |
| Hyundai Veloster | $138 | 35 |
Several factors affect what you'll pay for Ford Fiesta insurance:
- Average Repair or Replacement Costs: Ford Fiesta repair costs average $545 annually, ranking as Ford's most affordable model to maintain out of 35 options. This low maintenance expense helps keep insurance premiums reasonable compared to other Ford vehicles.
- Vehicle Trim, Features and Accessories: The Fiesta's horsepower ranges from 120 to 197, depending on the trim level. Higher-performance variants with more powerful engines cost substantially more to insure since increased performance capabilities directly translate to higher premiums.
- Driver Profile:Â Most Ford Fiesta drivers are young adults with a median age of around 25 to 30 years. This younger demographic faces higher insurance rates due to less driving experience, and the Fiesta's sporty reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Ford Fiestas for young drivers.
Ford Fiesta Insurance Cost by State
Ford Fiesta insurance costs vary wildly by location, from just $31 monthly in Wyoming to $176 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not anything about the Fiesta itself.
| Alabama | $74 | $138 |
| Alaska | $61 | $129 |
| Arizona | $107 | $199 |
| Arkansas | $70 | $156 |
| California | $83 | $169 |
| Colorado | $82 | $197 |
| Connecticut | $127 | $217 |
| Delaware | $128 | $214 |
| Florida | $122 | $283 |
| Georgia | $134 | $220 |
| Hawaii | $47 | $105 |
| Idaho | $49 | $99 |
| Illinois | $81 | $151 |
| Indiana | $56 | $109 |
| Iowa | $46 | $110 |
| Kansas | $62 | $144 |
| Kentucky | $109 | $185 |
| Louisiana | $176 | $380 |
| Maine | $44 | $90 |
| Maryland | $138 | $231 |
| Massachusetts | $87 | $183 |
| Michigan | $130 | $248 |
| Minnesota | $70 | $144 |
| Mississippi | $72 | $142 |
| Missouri | $97 | $194 |
| Montana | $59 | $138 |
| Nebraska | $62 | $140 |
| Nevada | $168 | $303 |
| New Hampshire | $61 | $107 |
| New Jersey | $148 | $243 |
| New Mexico | $72 | $160 |
| New York | $115 | $205 |
| North Carolina | $70 | $137 |
| North Dakota | $47 | $103 |
| Ohio | $66 | $128 |
| Oklahoma | $78 | $173 |
| Oregon | $114 | $198 |
| Pennsylvania | $73 | $171 |
| Rhode Island | $108 | $192 |
| South Carolina | $94 | $174 |
| South Dakota | $44 | $130 |
| Tennessee | $70 | $140 |
| Texas | $110 | $225 |
| Utah | $97 | $165 |
| Vermont | $37 | $88 |
| Virginia | $84 | $136 |
| Washington | $84 | $156 |
| West Virginia | $73 | $147 |
| Wisconsin | $56 | $124 |
| Wyoming | $31 | $95 |
Ford Fiesta Costs by Model Year and Insurance Company
Your Ford Fiesta's model year plays a major role in determining insurance costs, along with the age of drivers on your policy. A 2011 Ford Fiesta costs an average of $171 monthly for full coverage, while a 2019 model jumps to $190 for drivers aged 35 to 55. Teen and young adult drivers will face much steeper premiums across all model years.
GEICO consistently offers the cheapest rates for Ford Fiesta insurance across all model years.Â
Cost of Car Insurance for 2019 Ford Fiesta
| Geico | $62 | $135 |
| National General | $71 | $146 |
| Travelers | $90 | $165 |
| State Farm | $98 | $202 |
| Kemper | $101 | $203 |
| Progressive | $102 | $192 |
| AAA | $106 | $218 |
| Allstate | $111 | $214 |
| Amica | $111 | $227 |
| The Hartford | $111 | $190 |
| Chubb | $131 | $259 |
| AIG | $139 | $348 |
| Farmers | $140 | $247 |
| Nationwide | $142 | $245 |
| UAIC | $162 | $204 |
Cost of Car Insurance for 2018 Ford Fiesta
| Geico | $56 | $121 |
| National General | $64 | $132 |
| Travelers | $81 | $149 |
| State Farm | $88 | $182 |
| Kemper | $91 | $183 |
| Progressive | $92 | $172 |
| AAA | $95 | $196 |
| Allstate | $100 | $193 |
| Amica | $100 | $205 |
| The Hartford | $100 | $171 |
| Chubb | $118 | $233 |
| AIG | $125 | $313 |
| Farmers | $126 | $222 |
| Nationwide | $128 | $220 |
| UAIC | $146 | $183 |
Cost of Car Insurance for 2017 Ford Fiesta
| Geico | $48 | $104 |
| National General | $55 | $113 |
| Travelers | $70 | $127 |
| State Farm | $75 | $156 |
| Kemper | $78 | $157 |
| Progressive | $79 | $148 |
| AAA | $81 | $169 |
| Allstate | $86 | $165 |
| Amica | $86 | $175 |
| The Hartford | $86 | $147 |
| Chubb | $101 | $200 |
| AIG | $107 | $269 |
| Farmers | $108 | $190 |
| Nationwide | $110 | $189 |
| UAIC | $125 | $157 |
Cost of Car Insurance for 2016 Ford Fiesta
| Geico | $46 | $100 |
| National General | $53 | $108 |
| Travelers | $67 | $122 |
| State Farm | $72 | $150 |
| Kemper | $75 | $151 |
| Progressive | $76 | $142 |
| AAA | $78 | $162 |
| Allstate | $82 | $159 |
| Amica | $82 | $168 |
| The Hartford | $83 | $141 |
| Chubb | $97 | $192 |
| AIG | $103 | $258 |
| Farmers | $103 | $183 |
| Nationwide | $105 | $181 |
| UAIC | $120 | $151 |
Ford Fiesta Insurance Cost by Trim
Ford Fiesta insurance costs vary dramatically by trim, from $209 monthly for full coverage on high-performance St Hatchback 4d models to $78 for minimum coverage on basic S Sedan 4d variants. Performance features and market value determine where your trim falls in this range.
| S Sedan 4d | $78 | $150 |
| Ses Hatchback 4d | $83 | $159 |
| Se Hatchback 4d | $83 | $160 |
| S Hatchback 4d | $85 | $164 |
| Se Sedan 4d | $85 | $164 |
| Sel Sedan 4d | $86 | $166 |
| Titanium Hatchback 4d | $97 | $187 |
| Titanium Sedan 4d | $97 | $187 |
| St Line Hatchback 4d | $107 | $206 |
| St Hatchback 4d | $108 | $209 |
How to Lower the Cost of Ford Fiesta Insurance
Here's how you can find better rates and reduce your Ford Fiesta insurance costs:
- 1Choose the right coverage
You'll need to decide how much coverage to buy for your Ford Fiesta. Own your vehicle? Get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for compact cars. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Ford Fiesta.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need them most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Ford Fiesta owners often get safety features discounts for airbags and anti-lock brakes, good driver discounts for clean records, multi-vehicle discounts for insuring multiple cars and bundling discounts for combining auto and home policies.
- 5Consider alternative car insurance types
Ford Fiesta owners might benefit from usage-based insurance programs such as Progressive Snapshot or Allstate Drivewise. These options track safe driving habits like smooth braking and steady acceleration to deliver premium reductions based on your actual driving behavior.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower their prices, so yearly comparisons could save up to 24% on your Ford Fiesta insurance. Set a calendar reminder to shop around each renewal period.
Ford Fiesta Insurance Cost: Bottom Line
Ford Fiesta insurance runs about average compared to other vehicles, though you can still secure decent rates. Shopping between multiple insurers, claiming available discounts and adjusting your coverage choices helps you find better pricing.
Ford Fiesta Insurance Rates: FAQ
What is the average cost of car insurance for a Ford Fiesta?
Ford Fiesta insurance costs $1,069 annually for state minimum coverage and $2,057 for full coverage. These rates make it one of the more budget-friendly vehicles to insure.
What company has the cheapest car insurance for a Ford Fiesta?
Geico provides the most affordable minimum coverage for a Ford Fiesta at $707 annually. The insurer also delivers the best value for full coverage at $1,525 per year.
Are Ford Fiestas expensive to insure?
No, Ford Fiesta insurance is not expensive compared to most vehicles. Among hatchbacks specifically, it places 32nd out of 52 for affordability, ranking 287th overall out of 827 tracked models.
What factors affect insurance costs for Ford Fiestas?
Various elements affect Ford Fiesta insurance rates. Your driving record and credit score impact premiums, along with the coverage levels you select.
How can I lower Ford Fiesta insurance costs?
Compare quotes from several insurers since Ford Fiesta pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Ford Fiesta Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Ford Fiesta insurance costs.
Who We Based These Rates On
These Ford Fiesta rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.