Ford Fiesta insurance costs average $89 monthly for minimum coverage and $171 for full coverage. But depending on your particular trim and model year, costs can range from $57 to $271 monthly.
Ford Fiesta Insurance Cost
Updated: September 24, 2025
Key Takeaways
Ford Fiesta insurance costs range from $57 to $271 monthly depending on your specific trim and model year choice.
The Ford Fiesta ranks 287th for insurance affordability among all 827 vehicle models sold in America from 2000 through 2025.
GEICO offers the most affordable Ford Fiesta insurance with full coverage starting at $127 monthly and minimum coverage policies available for $59 per month.
How Much Is Ford Fiesta Insurance?
| Ford Fiesta | $89 | $171 |
Ford Fiesta Insurance Cost by Model Year
Your Ford Fiesta's model year and available trims directly impact insurance rates, with newer models usually costing more due to higher fair value. Monthly premiums for Ford Fiesta models span from $73 to $207, depending on the year and coverage level you choose.
| 2019 | $98 | $190 |
| 2018 | $89 | $171 |
| 2017 | $76 | $146 |
| 2016 | $73 | $140 |
| 2015 | $89 | $171 |
| 2014 | $108 | $207 |
| 2013 | $100 | $192 |
| 2012 | $90 | $173 |
| 2011 | $80 | $154 |
Ford Fiesta Insurance Cost by Trim
Your Ford Fiesta's trim level impacts insurance costs. Features, market value, and desirability influence rates across different models. Our research shows monthly premiums range from $78 for basic trims to $209 for performance variants, creating substantial cost differences for drivers.
| 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 |
Compare Personalized Ford Fiesta Insurance Costs
We broke down Ford Fiesta insurance costs by model year and trim to match your specific vehicle.
Data filtered by:Results filtered by:
Select
Model Year:2011
Select
Trim:S Sedan 4d
| S Sedan 4d | $75 | $143 |
Ford Fiesta Insurance Cost by Company
Ford Fiesta insurance costs vary by provider from $93 to $221 monthly. Minimum coverage ranges from $59 to $151, while full coverage costs $127 to $316. Rates vary due to different risk assessment models.
| 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 |
Ford Fiesta Insurance Cost by State
Ford Fiesta car insurance varies dramatically by location, from as low as $31 monthly in Wyoming to $380 in Louisiana.
| 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 Insurance Cost by Driver Profile
Your driving profile affects Ford Fiesta insurance pricing extensively, with age being the biggest factor. Monthly rates reach as high as $331 for young drivers under 25 and drop to just $130 for adult drivers between 26-64 without violations.
| Adult Drivers | $89 | $171 |
| Young Drivers | $228 | $435 |
| Senior Drivers | $119 | $217 |
| Drivers With a Speeding Ticket | $111 | $216 |
| Drivers With an Accident | $131 | $251 |
| Drivers With a DUI | $163 | $310 |
| Drivers With Bad Credit | $210 | $420 |
Is a Ford Fiesta Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Ford Fiesta ranks 287th out of 827, making it just below average for insurance. It's the only Supermini hatchback in our study.
| Ford Fiesta | $92 | $177 |
Factors That Affect Ford Car Insurance Costs
Your Ford Fiesta insurance costs depend on multiple factors:
- Age (under 25): Younger drivers face higher premiums due to limited driving history and higher accident risk.
- Gender (higher proportion male): Male drivers often pay more, correlating with riskier driving behaviors.
- Income (budget-conscious buyers): Owners tend to have lower-to-moderate income levels; while this group often chooses affordable cars, insurers may factor in higher claim rates for younger buyers.
Average Repair or Replacement Costs
Ford ranks 11th in repair affordability among 59 U.S. automakers with median annual costs of $748. Ford Fiesta repair costs average $545 annually, making it Ford's most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Ford Fiesta comes in trims ranging from the basic S and SE to the sport-tuned ST. Lower trims feature a 1.6-liter four-cylinder (120 hp), basic infotainment, and simple interiors, while higher trims add alloy wheels, upgraded tech, and comfort features.
The ST trim, with its turbocharged 1.6-liter EcoBoost engine (197 hp) and sport-tuned suspension, costs more to insure due to its performance parts and higher replacement values.
Fuel Type
All U.S. Fiesta models run on gasoline, making them less expensive to service than electric or hybrid vehicles. Routine maintenance and repair parts are widely available, keeping costs relatively low compared to models that require specialized electric components.
Location
Insurance costs for the Fiesta vary by ZIP code. Drivers in dense urban areas like Los Angeles or New York face higher premiums due to greater accident and theft risks. In contrast, rural and suburban drivers often pay less, though limited access to parts for the ST trim in some regions can slightly raise repair expenses.
Driver Profile
Most Ford Fiesta drivers are younger or budget-conscious owners, which can raise premiums since insurers see this demographic as higher risk compared to older, more established drivers.
Driver demographics affect Ford Fiesta rates:
Cheapest Ford Fiesta Insurance Companies
GEICO offers the most affordable Fiesta car insurance with full coverage averaging $127 monthly. For drivers who only need minimum coverage on their Fiesta, GEICO remains the cheapest option at $59 per month.
| GEICO | $59 | $127 |
| Travelers | $81 | $148 |
| State Farm | $84 | $174 |
| The Hartford | $97 | $165 |
| Progressive | $94 | $176 |
Cheapest Ford Fiesta Insurance by State
Overall we found that the following are the top three cheapest car insurance providers at the state for a Ford Fiesta:
• GEICO: Wins for affordability in 19 states
• Travelers: Wins for affordability in 8 states
• State Farm: Wins for affordability in 6 states
Below you can filter to see who offers most affordable auto insurance rates for your Ford Fiesta.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Cincinnati Insurance | $36 |
How to Get the Best Cheap Ford Fiesta Insurance
Below we break down the best way to buy car insurance for your Ford Fiesta:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Ford's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will give you an idea of how much you're saving currently and with another provider. The cheapest car insurance companies will then be easier to find.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Ford Fiesta, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you’ll likely qualify for will help you get the cheapest rate possible. The five discounts below are the most likely we found that Ford Fiesta owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Fiesta owners often have more than one vehicle in the household. Insurers reward multiple-car policies with meaningful savings.
- Bundling/Multi-Policy Discount (5% to 25% savings): Many Fiesta drivers rent or own a home, making them eligible to bundle auto and home or renters insurance for substantial discounts.
- Good Driver/Safe Driver Discount (10% to 30% savings): With the Fiesta’s popularity among budget-conscious, practical drivers, maintaining a clean record over several years can qualify owners for strong safe-driver savings.
- Safety Features/Advanced Safety Discount (5% to 15% savings): The Fiesta comes equipped with features like airbags, anti-lock brakes, and stability control, which can reduce premiums by lowering insurer risk.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Many Fiesta owners use the car as a commuter or secondary vehicle. Driving fewer annual miles or enrolling in a telematics program can lead to discounts.
- 5
Consider alternative car insurance types
Ford Fiesta owners should consider Ford Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Ford Fiesta insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Ford Fiesta Insurance Cost: Bottom Line
Insuring a Ford Fiesta costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Ford Fiesta Insurance Rates: FAQ
Here are answers to common questions about insuring a Ford Fiesta.
What is the average cost of car insurance for a Ford Fiesta?
The Ford Fiesta's average annual insurance cost is $1,069 for minimum coverage and $2,057 for full coverage.
What company has the cheapest car insurance for a Ford Fiesta?
GEICO offers the most affordable Fiesta car insurance with full coverage averaging $127 monthly. For drivers who only need minimum coverage on their Fiesta, GEICO remains the cheapest option at $59 per month.
Are Ford Fiestas expensive to insure?
Ford Fiesta insurance costs less than most cars. Out of 827 vehicles we track, the Fiesta ranks 287th for affordability.
What factors affect insurance costs for Ford Fiestas?
Several things drive up your Ford Fiesta rates. Repairs cost more because of specialized parts and the steel body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or weather related risks will cost more.
How can I lower Ford Fiesta insurance costs?
Shop around with multiple insurers as rates vary for Fords, and consider usage-based insurance programs that track your driving habits. Take advantage of Ford's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Ford Fiesta Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Ford Fiesta insurance costs.
Who We Based These Rates On
These Ford Fiesta prices reflect what a typical 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.