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
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.
Minimum coverage rates vary by more than $92 between insurers for the Ford Fiesta. Full coverage varies by more than $189. Each company calculates model-specific risk differently, so the same driver gets different quotes.
| 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 Ford Fiesta ranks 287th out of 827 total vehicles, which is in the top half for affordability across all vehicle types. The Saab 9-3 is the cheapest hatchback to insure. The Cadillac Celestiq is the most expensive.
| 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 repairs average $545 a year, so it's Ford's most affordable model to maintain out of 35. Lower repair costs keep premiums down relative to other Ford vehicles.
- Vehicle Trim, Features and Accessories: The Fiesta's horsepower ranges from 120 to 197 depending on trim. Higher-performance variants cost more to insure because more power raises claim risk.
- Driver Profile: Most Ford Fiesta drivers are 25 to 30, a younger demographic that pays more because of limited driving experience. The Fiesta's sporty reputation can draw higher-risk drivers, which insurers price in. Ford Fiesta costs for young drivers are broken out by model year and age.
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.
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
Coverage needs depend on how you own the car.
Own it outright (lower cost):
- Your state's minimum liability requirements
- Comprehensive and collision with a $1,000 deductible
Own it outright (more coverage):
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- $100,000/$300,000/$100,000 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
- 2Research costs and cheap companies
Check average auto insurance costs for compact cars before you shop. That number tells you whether a quote is competitive. Use it alongside a list of the cheapest car insurance companies to find a better price.
- 3Look for more than just low rates
Price isn't everything with car insurance. Check J.D. Power satisfaction ratings, Better Business Bureau complaints and AM Best financial stability scores. Forum reviews on claims handling are worth reading too. A cheap policy with slow or disputed claims can cost more than a slightly higher premium from a reliable insurer.
- 4Review discounts you qualify for
Check every car insurance discount before buying. Ford Fiesta owners commonly qualify for safety features discounts on airbags and anti-lock brakes, good driver discounts for clean records, multi-vehicle discounts for insuring more than one car and bundling discounts for combining auto and home policies.
- 5Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise track your driving and lower premiums for safe habits like smooth braking and steady acceleration.
- 6Check rates every year
Get car insurance quotes from multiple companies each year. Insurers don't tell you when competitors drop their prices. Annual comparisons can save up to 24%, so set a reminder at each renewal.
Ford Fiesta Insurance Cost: Bottom Line
Ford Fiesta insurance costs are close to average for its class. Comparing quotes, claiming every discount and choosing the right coverage level all cut what you pay.
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 at least three insurers because Ford Fiesta pricing varies between companies. Ask about usage-based programs that track your driving. Claim every available discount, bundle policies and keep your record clean.
How We Determined Ford Fiesta Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025.
Who We Based These Rates On
Our baseline is a 40-year-old unmarried male with a clean record, good credit, no prior claims, a valid license with no suspensions and about 12,000 miles driven a year.
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: $100,000/$300,000/$100,000 liability with comprehensive and collision coverage and a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.