How cheap is car insurance for a Ford Fiesta?

Ford Fiesta Summary

How cheap is car insurance for a Ford Fiesta? Well, cheap car insurance for a Ford Fiesta are as low as $87.33/mo. It’s a small-size car fit for drivers who want to save money on gas mileage and possibly hundreds of dollars on car insurance. Continue reading to learn more about how to get cheap car insurance rates for your Ford Fiesta.

Are Ford Fiestas cheap to insure? If you want to start comparing cheap Ford Fiesta auto insurance rates from different companies, enter your ZIP code in the free comparison tool above to get started.

Ford Fiesta Insurance Rates

The Ford Fiesta is one of the cheapest cars to insure. Ford Fiesta insurance costs $101/mo on average. However, this is a general quote for Ford Fiesta car insurance. Your personalized quote will depend on coverage level options and the state minimum car insurance requirements you live in.

Here are average rates for insurance on a Ford Fiesta for the year.

Ford Fiesta Average Annual Car Insurance Rates by Make and Model Year

If you divide each annual rate by 12, you can find the estimated monthly payment which is about $100/mo. That’s fairly cheap for any working motorist out there.

These rates are based on the combination of liability, collision, and comprehensive coverage. If you’re leasing or financing your Ford Fiesta, the lender may require that you get full coverage car insurance.

Full coverage insurance is when you add comprehensive and collision coverage to your car insurance policy.

The lender will need to know that the car is covered in case you’re at fault in an accident. To further protect themselves, lenders will enroll your vehicle into force-placed insurance. Force-placed insurance will pay for the total loss of a vehicle in case you have an insufficient coverage limit.

Car insurance providers and lenders will recommend a higher coverage to cancel out the possibility of an insufficient coverage limit. Factors that determine your car insurance price can help your rates become cheaper. Those factors include age, gender, commute mileage, credit history, coverage level, driving record, and marital status.

What are the liability car insurance rates for the Ford Fiesta?

Liability car insurance is made of several parts. For some states in the U.S. liability car insurance is bodily injury liability and property damage liability. Before we move on to more details, let’s review the Ford Fiesta’s liability car insurance cost for a year.

Ford Fiesta Average Annual Liability Car Insurance Rates

You might expect that car insurance rates would increase for newer vehicles, but the Ford Fiesta ST’s insurance rates get cheaper as it progresses toward 2019.

In other states, liability car insurance is bodily injury, property damage, and other additional liabilities automatically put into liability coverage.

Those additional liabilities are known as personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist coverage.

Bodily injury liability pays for any bodily injuries for one or more people in an accident, while property damage liability pays for damage to another person’s car or property that you’re liable for damages.

Watch this video on uninsured/underinsured motorist coverage to get an idea of how this coverage works for you.

Car insurance rates will increase when you need a higher coverage level. Coverage levels represent higher coverage limits and more expensive car insurance rates. Here’s a data table that shows different coverage levels and how they affect annual car insurance rates.

Ford Fiesta Average Annual Car Insurance Rates by Coverage Level

You see the cost per year, but what do the coverage limits mean? The coverage limits column is an abbreviated look at what car insurance providers call coverage rules.

For example, the coverage rule for the low level (minimum requirement) is 30/60/30, which means $30,000 for bodily injury of one person per accident, $60,000 for bodily injury of multiple people per accident, and $30,000 for property damage per accident.

Depending on where you live, the car insurance provider may recommend you take a higher coverage limit if the average cost of an accident is over the minimum requirement coverage.

Compare car insurance coverage limits from different companies in your local area by entering your ZIP code in the free comparison tool below.

What are the comprehensive and collision car insurance rates for the Ford Fiesta?

We briefly talk about comprehensive and collision coverage, but we didn’t explain what they do. Collision car insurance pays for property damage to your car regardless of who is at fault. This is helpful if you were the person at fault.

Comprehensive car insurance pays for property damage to your vehicle that doesn’t involve a collision. Comprehensive car insurance also pays for damage that comes from vehicle theft, weather damage, fire damage, and falling objects.

Both comprehensive and collision coverages are usually less expensive than liability coverage, but some vehicles have a history of high claim frequency for property damage, and car insurance companies issue more expensive rates for comprehensive and collision coverages.

The data table in this sub-section shows the annual comprehensive and collision car insurance rates.

Ford Fiesta Average Annual Comprehensive and Collision Car Insurance Rates

Comprehensive car insurance is much cheaper than liability coverage, but collision car insurance rates for the year are more expensive than liability and comprehensive rates. This could mean higher Ford Fiesta ST insurance costs if you’re in an accident.

How does the value of a Ford Fiesta affect car insurance rates?

Did you know that the value of your car can affect car insurance rates? Car insurance providers inspect the value of vehicles and estimate how much it would cost to repair it if you would get into an accident. What does this mean for the Ford Fiesta?

Before we answer that question, let’s talk about the Ford Fiesta’s popularity. One way we can determine the popularity of the vehicle is through year-to-date sales (YTD) and year-to-date sales from last year (YTD LY).

Good Car Bad Car reported that 60,148 (YTD) were sold in 2019, which is a 16.27 percent increase from the 51,730 (YTD LY) sales in 2018. The 2020 results won’t be in until later this year or 2021. Ford Fiesta ranks as 83rd on Good Car Bad Car’s most sales list.

As we get closer to your answer, let’s talk about the value of the Ford Fiesta. The best source to find out the value of a Ford Fiesta is through Kelley Blue Book. Many organizations use the Kelley Blue Book as a go-to guide to determine the value of a vehicle. So let’s see how much the 2016 to 2019 Ford Fiestas are worth.

Ford Fiesta MSRP and Fair Market Price Range

The values of the Ford Fiesta is nearly half of the coverage limit of some car insurance policies. For full coverage car insurance customers, this will ultimately save money on car insurance.

As cars become older, they lose their value, especially after you buy them. That’s why the MSRP for models older than 2019 doesn’t have an MSRP, but they do have a fair market price.

MSRP is a shorter way of saying the manufacturer suggested retail price. MSRP is the price a manufacturer recommends to a dealer, while the fair market price is a price that a buyer and seller agree to.

What does this mean for Ford Fiesta repairs? Are repairs cheaper? No, they aren’t. According to Repair Pal, Ford Fiesta annual repairs cost $552/yr, which is $96 more expensive than the average cost of repairs for a vehicle of that size.

If you need cheap car insurance rates for your Ford Fiesta, enter your ZIP code in the free comparison tool below to start comparing car insurance rates from different companies in your local area.

How can Ford Fiesta thefts affect car insurance rates?

Vehicle thefts can increase comprehensive car insurance rates since its the coverage that pays for damage after a car is stolen. Usually, we’d provide a vehicle theft report from the National Insurance Crime Bureau, however, the Ford Fiesta has been an unlikely target for vehicle theft.

Have you ever noticed how car insurance rates are more expensive in certain ZIP codes and cheaper in others? Vehicle theft occurs everywhere in the U.S., but urban and suburban areas appear to have more vehicle thefts than rural areas. Car insurance providers look at all the risks for their customers and issue car insurance rates based on those risks.

Therefore, urban and suburban areas will likely have more expensive rates because of higher chances of property crimes and higher chances of car accidents. Rural areas tend to be less populated, which decreases the chances of vehicle theft and car accidents.

Ford Fiesta Car Insurance Claims and Losses

All car insurance customers who’re involved in an accident, at-fault or no-fault, should notify their car insurance company. When an accident happens, you or the person eligible has to file a claim with a car insurance provider.

When claims are filed and paid out, the car insurance company takes a loss. This section of the guide talks about those losses car insurance endures. We’ve summarized data from the Insurance Institute for Highway Safety (IIHS), which shows car insurance claims and losses by make, model year, vehicle size, and vehicle class.

What are the loss statistics for bodily injury and property damage liability car insurance claims for the Ford Fiesta?

Loss statistics describe the number of premiums written versus the number of claims paid out. Premiums written is the amount of money car insurance companies earn from car insurance policies from all customers. The loss statistics is the percentage of money lost by filed claims.

The IIHS has managed to narrow down the claim loss statistics by vehicle size, vehicle class, and make and model year of a vehicle.

Here’s the claim loss statistics for bodily injury and property damage.

Bodily Injury and Property Damage Losses by Make and Model

We’ve included a search box on the upper right-hand corner so you can quickly find the vehicle make and model. This data table shows the claim frequency of bodily injury and property damage.

Ford Fiesta had a bodily injury claim frequency of 57 percent and property damage claim frequency of 33 percent. Both percentages are substantially worse than average, which is why car insurance for liability is more expensive for older Ford Fiesta model years.

What are the loss statistics for comprehensive and collision car insurance claims for the Ford Fiesta?

What about comprehensive and collision coverage? Car insurance companies include comprehensive and collision coverages in some of their premiums written and receive losses from claims every year. Let’s look at the loss statistics of comprehensive and collision claims.

Comprehensive and Collision Losses by Make and Model

The Ford Fiesta had the lowest claim frequency among mini, four-door sedans in the data. Ford Fiesta has -33 percent claim frequency, which is a claim frequency substantially better than average. This means you’ll probably pay less for your Ford Fiesta with insurance companies than you would if you had one of the other similar models in the chart above.

What are the loss statistics for PIP and Med Pay for Ford Fiesta?

PIP and Med Pay are additional liabilities that are required in some states and optional in other states. PIP is an extensive car insurance coverage that pays for bodily injury, lost wages, child care, funeral costs, and other costs as a result of an accident. Regardless of who is at fault, PIP will cover costs that bodily injury liability can’t.

Med Pay strictly pays medical bills that liability coverage doesn’t pay for. This includes x-rays, doctor visits, and other costs related to medical bills. Let’s see the claim frequency of PIP and MedPay.

Personal Injury and Medical Payment Losses by Make and Model

The Mini Cooper is the only vehicle that has PIP and Med Pay claim frequencies that are substantially better than average. All other mini, four-door sedans have claim frequencies that were substantially worse than average.

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Ford Fiesta Safety Ratings

Is it a safe vehicle? Vehicle safety is tested by many organizations in the U.S. The National Highway Traffic Safety Administration (NHTSA) and IIHS conducts crash tests to see how vehicles respond to different types of crashes.

But how do the NHTSA and IIHS grade the crash test? The NHTSA grades crash test with star ratings, while IIHS grades crash tests with letter ratings. Let’s start with NHTSA ratings for the Ford Fiesta.

2019 Ford Fiesta NHTSA Safety Ratings

According to NHTSA, the majority of Ford Fiesta’s star ratings are four out of five stars. Despite its size and class, the Ford Fiesta managed to maintain a good NHTSA rating. The overall NHTSA star rating for the Ford Fiesta is four out of five.

What about Ford Fiesta’s IIHS safety ratings? We’ve included the ratings for this section. The IIHS calls crash test performance crashworthiness and scores them in with letter grades. The letter grades are “G” for good, “A” for acceptable, “M” for Marginal and “P” for Poor.

2019 Ford Fiesta Crashworthiness IIHS Safety Ratings

For the most part, the Ford Fiesta has a good rating but comes up short in the small overlap on the driver side with a marginal rating from IIHS.

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What is the size and class of the Ford Fiesta?

The Ford Fiesta is a four-door minicar (subcompact car). It comes as a sedan or hatchback. The hatchback is a four-door sedan with a lift gate in the back for extra storage space.

How do minicars fare against fatal accidents? Deadly crashes affect car insurance as much as claim losses. The IIHS concentrates its data and sorts of fatal accidents by vehicle size and class. Since the Ford Fiesta is in the car category, we’ll provide a summarized data table of car statistics.

Driver Deaths per Million Registered Cars

The first table shows how drivers are affected by fatal accidents. Minicars had the least registered vehicles, but the highest death rate and the highest number of fatalities in the data table.

When fatal accidents do occur, what’s the likely point of impact that causes death? We’ve collected the information and summarized it in a data table. Here are the results.

Car Occupants Death by Point of Initial Impact

Frontal crash accidents caused the most fatal accidents followed by side collision accidents. This is one of the reasons why crash tests focus on front and side tests.

Do fatal accidents have consistent numbers each year? No. Some years can be more fatal or safer than others. Data is constantly changing. Here’s a summary of fatal crash data from 2008 to 2018 that shows the death rate of drivers and occupants per million registered vehicles.

IIHS Car Deaths Per Million Registered Cars: 10-Year Trend

Look at how the numbers vary for each year. Accidents are unpredictable, so the data changes each year. Based on the information in the table, the deadliest year was 2008 and the least deadly year was 2014.

How does the safety of the Ford Fiesta compare to other vehicles?

The size and weight of a vehicle can determine the vehicle’s safety if an accident occurs. We know the class of Ford Fiesta, but how do we know the size? There’s a guide that shows how to define a car’s size. Let’s look at this guide in the data table form below.

IIHS Guide to Car Size Groups

The data table shows how to determine the size of a car by the curb weight and square feet. The curb weight of the Ford Fiesta is 2,537 to 2,720 lbs. The Ford Fiesta’s dimensions are 160-174″ L x 68″ W x 57-58″ H, which translates as 13.33-14.5 ft. in length, 5.67 ft. in width, and 4.75-4.83 ft. in height.

Simply multiply the length times width to get the square feet which are 75.58 sq. ft and 82.22 sq. ft. This puts the Ford Fiesta in the mini and small size category.

Even though it spans two sizes, a driver and occupants in a subcompact car like the Ford Fiesta are likely to encounter injuries from a crash. Smaller and lighter cars are more affected by the force of a crash when it involves a bigger and heavier vehicle. This is why the death rate for smaller vehicles are more likely than bigger ones.

Also, smaller vehicles are more expensive to insure under PIP and Med Pay because of the likely risk of bodily injury after an accident. Although it might be more expensive, you should enroll in PIP and Med Pay if you have a subcompact car.

Frequently Asked Questions: Ford Fiesta

For the final section of the Ford Fiesta vehicle guide, we want to cover frequently asked questions that appear on search engines across the internet. If you want to know more about car insurance, go through our collection guides, reviews, and other articles.

#1 – Is a Ford Fiesta expensive to insure?

Ford Fiesta’s car insurance prices are less than $2,000/yr and costs less than $150/mo.

#2 – What are the cheapest cars to insure?

That answer will depend on the car insurance provider, factors that determine car insurance, and the area you live in. Car insurance coverage. You would think older cars are the cheapest cars to insure, but some older model-year vehicles have more expensive car insurance rates.

#3 – How much is medical coverage for car insurance?

Medical coverage or Med Pay varies for each car insurance company. You can pay as low as $2/mo and as high as $40/mo. It depends on the level of Med Pay you want.

#4 – What’s the cheapest car to insure for a 17-year-old driver?

The Ford Fiesta has made several lists as one of the top vehicles for young drivers. Is it the cheapest car to insure? That would depend on the company and the personal information of the person getting the car insurance policy. (For more information, read our “The Cheapest Cars to Insure for Young Drivers“).

#5 – How much are taxes on a Ford Fiesta?

That would vary by state. Car taxes in the U.S. can be zero to seven percent of the vehicle’s value plus county, city, or other state tax.

#6 – What is Fiesta Auto Insurance?

Fiesta Auto Insurance is a car insurance provider that started in 1999 that has offices all over the United States but has a strong presence in the western part of the United States. Fiesta Auto Insurance prices are only available through one of their agents by phone, in-person, or possibly through e-mail.

#7 – How much does car insurance cost for the Ford Focus ST?

Ford Focus ST car insurance costs $1,054/year or $87.33/mo.

#8 – Why do car insurance companies have different rates?

Car insurance companies want to remain competitive by offering cheaper rates. For example, car insurance for a 2011 Ford Fiesta would be different when getting a Geico quote or a quote from Progressive or State Farm.

If you’re looking for Ford Fiesta car insurance in your local area, enter your ZIP code in the free comparison tool below to start shopping for cheap insurance from different companies.

1. https://www.goodcarbadcar.net/2019-us-vehicle-sales-figures-by-model/
2. https://repairpal.com/reliability/ford/fiesta
3. https://www.nhtsa.gov/vehicle/2019/FORD/FIESTA/4%252520DR/FWD
4. https://www.iihs.org/ratings/vehicle/ford/fiesta-4-door-sedan/2019

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