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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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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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Insuring a Ford Fiesta averages $132 per month, about 20% less than the national average for all vehicles.
USAA offers the cheapest Ford Fiesta insurance, at $66 per month.
The Ford Fiesta’s lower value, inexpensive repairs, and high safety ratings help keep insurance costs low compared to other vehicles.
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 Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Ford Fiesta | $92 | $172 | $132 |
| All vehicles | $116 | $216 | $166 |
Ford Fiesta drivers pay an average monthly rate of $92 for liability-only coverage and $172 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 $132 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $78 |
| Allstate | $87 |
| GEICO | $97 |
| American Family | $100 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the cheapest rates for the Fiesta, just $66 per month. That’s well below the national average for all vehicles of $166 per month. The company also ranks above average for both customer and claims service in the 2025 J.D. Power studies.
But you may not qualify, because USAA offers policies only to active-duty military, veterans, and their families. It also has limited in-person customer support, so it might not be the best option if you value personalized service.
Cheap Ford Fiesta rates
Top-rated customer service
A++ (Superior) financial strength rating
Military-only eligibility
Diminishing deductible not available
Limited in-person support
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is available nationwide and has affordable rates for Fiesta drivers. It also has a huge network of local agents to offer personalized support that fits your needs.
But State Farm’s rates can be high, especially for high-risk drivers. The company also doesn’t offer gap insurance, so you want to look elsewhere if you finance or lease your car.
Available nationwide
Large network of local agents
Highly rated mobile app
Higher rates for riskier drivers
Few optional coverages
Gap insurance not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers a variety of coverage options for the Fiesta, including rideshare coverage and rental reimbursement. The company’s Drivewise telematics program can also help lower your rates for safe driving habits. And you can save money with Milewise if you don’t drive often.
But Allstate has below-average customer satisfaction scores. It also has a higher-than-average number of customer complaints with the National Association of Insurance Commissioners (NAIC).
Available in all 50 states
Offers many different coverage options
Two telematics programs available
Below-average customer satisfaction in most regions
Higher-than-average number of customer service complaints
Policy management can be complicated
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 |
|---|---|
| 2019 | $143 |
| 2018 | $138 |
| 2017 | $136 |
| 2016 | $132 |
| 2015 | $130 |
| 2014 | $127 |
| 2013 | $121 |
| 2012 | $117 |
| 2011 | $114 |
Company | Average Monthly Premium |
|---|---|
| USAA | $71 |
| State Farm | $85 |
| Allstate | $95 |
| GEICO | $105 |
| American Family | $109 |
Company | Average Monthly Premium |
|---|---|
| USAA | $69 |
| State Farm | $82 |
| Allstate | $91 |
| GEICO | $101 |
| American Family | $105 |
Company | Average Monthly Premium |
|---|---|
| USAA | $68 |
| State Farm | $81 |
| Allstate | $90 |
| GEICO | $100 |
| American Family | $103 |
Company | Average Monthly Premium |
|---|---|
| USAA | $66 |
| State Farm | $78 |
| Allstate | $87 |
| GEICO | $97 |
| American Family | $100 |
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $77 |
| Allstate | $86 |
| GEICO | $95 |
| American Family | $99 |
Company | Average Monthly Premium |
|---|---|
| USAA | $63 |
| State Farm | $76 |
| Allstate | $84 |
| GEICO | $93 |
| American Family | $97 |
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $72 |
| Allstate | $80 |
| GEICO | $89 |
| American Family | $92 |
Company | Average Monthly Premium |
|---|---|
| USAA | $58 |
| State Farm | $70 |
| Allstate | $77 |
| GEICO | $86 |
| American Family | $89 |
Company | Average Monthly Premium |
|---|---|
| USAA | $56 |
| State Farm | $67 |
| Allstate | $75 |
| GEICO | $83 |
| American Family | $86 |
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.[1]
We broke down the average cost of Ford Fiesta car insurance by state in the table below.
State | Average Monthly Premium |
|---|---|
| Alabama | $121 |
| Arizona | $147 |
| Arkansas | $151 |
| California | $189 |
| Colorado | $184 |
| Connecticut | $242 |
| Delaware | $220 |
| Florida | $192 |
| Georgia | $232 |
| Idaho | $95 |
| Illinois | $139 |
| Indiana | $120 |
| Iowa | $95 |
| Kansas | $136 |
| Kentucky | $173 |
| Louisiana | $182 |
| Maine | $136 |
| Maryland | $263 |
| Massachusetts | $134 |
| Michigan | $197 |
| Minnesota | $153 |
| Mississippi | $127 |
| Missouri | $162 |
| Montana | $132 |
| Nebraska | $129 |
| Nevada | $223 |
| New Hampshire | $79 |
| New Jersey | $233 |
| New Mexico | $128 |
| New York | $172 |
| North Carolina | $82 |
| North Dakota | $108 |
| Ohio | $111 |
| Oklahoma | $157 |
| Oregon | $131 |
| Pennsylvania | $145 |
| Rhode Island | $203 |
| South Carolina | $217 |
| South Dakota | $127 |
| Tennessee | $124 |
| Texas | $199 |
| Utah | $134 |
| Vermont | $136 |
| Virginia | $166 |
| Washington | $153 |
| Washington D.C. | $287 |
| West Virginia | $138 |
| Wisconsin | $106 |
| Wyoming | $94 |
The following section shows how age affects the cost to insure a vehicle.
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).[2]
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.[3]
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 |
|---|---|
| Teens | $255 |
| Adults | $126 |
| Seniors | $112 |
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.
Insuring a Ford Fiesta costs more when you’re younger than 25 because younger drivers are statistically more likely to cause accidents, according to the U.S. Centers for Disease Control. Teens have the highest crash risk of any age group, mainly because of inexperience, distracted driving, speeding, and driving late at night.[4]
But you can usually find cheaper rates by shopping around and comparing quotes from multiple companies. Here’s a list of the five cheapest insurers for Fiesta drivers younger than 25, according to Compare.com data.
Ford Fiesta car insurance is typically cheapest for seniors. That’s because older drivers tend to drive less, are more cautious, and limit nighttime driving, leading to fewer accidents. You may even qualify for age-based and low-mileage discounts to help lower your premiums even more.
Comparing car insurance quotes from multiple companies can also help. The chart below shows the five cheapest Fiesta insurers for senior drivers, according to Compare.com data.
Your driving history plays a major role in how much your Ford Fiesta insurance costs. You’ll get the best rates if you have a clean driving record. But insurers charge more if you have past tickets or accidents because you might file more claims in the future.
Your rates will increase for at least three years following even a single ticket or at-fault accident. A driving under the influence (DUI) conviction usually leads to the steepest increase. The table below shows how Fiesta premiums change depending on your driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $132 |
| Speeding ticket | $177 |
| At-fault accident | $189 |
| DUI | $213 |
If you have speeding tickets on your record, you’ll typically pay more to insure your Ford Fiesta. Speeding increases your accident risk, and insurers charge higher premiums to offset that risk. Around 29% of crash fatalities in 2023 were due to speeding, according to the National Highway Traffic Safety Administration (NHTSA).
But comparing insurers and rates can help you find a better deal. The chart below shows the cheapest companies for Fiesta drivers with a recent speeding ticket, according to Compare.com data.
At-fault accidents usually increase your Ford Fiesta insurance rates. Crashes are a strong indicator that you’ll file future claims.
If your rate recently went up after an accident, it’s worth shopping around to check if another company has cheaper rates. The following companies have the lowest rates for Fiesta drivers with a recent at-fault accident, according to our data.
A DUI makes your Fiesta insurance much more expensive because alcohol-impaired driving greatly increases accident risk. You’re at least four times more likely to crash after drinking, and about 30% of traffic fatalities involve drunk drivers.
That said, some companies specialize in coverage for high-risk drivers and may offer more affordable rates. Check out the chart below for the five cheapest insurers for Ford Fiesta drivers with a DUI conviction, according to our data.
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Insurers consider not only your driving record but also what you drive to determine premiums. Here are some key Ford Fiesta-specific features insurers use when setting your rate:
Vehicle value and repair costs: The Ford Fiesta costs between $7,000 and $11,200 and is generally inexpensive to repair, resulting in lower rates.[5]
Trim level: A basic trim will usually cost less to insure than a hatchback or ST performance version, which has more expensive parts to replace after a crash.
Safety features and ratings: The Ford Fiesta comes standard with basic safety features like airbags and has a 4-star NHTSA safety rating.[6] That helps reduce accidents and keep premiums more affordable.
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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 $132 compared to the national average of $166, 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.
USAA is the cheapest car insurance company for a Ford Fiesta, with rates averaging $66 per month, according to Compare.com data. But USAA offers policies only to military members and their families. State Farm and Allstate also offer affordable Fiesta rates, at $78 and $87 per month, respectively.
Ford stopped selling the Fiesta in the U.S. after the 2019 model. Car insurance for a 2019 Fiesta averages $143 per month, according to Compare.com data. Liability coverage averages $100 per month, and full coverage averages $187 per month.
The cheapest Ford model to insure that’s still in production is the Ford Ranger, with an average rate of $128 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.
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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.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
