I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Mar 18, 2021

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Cost is just one part of the puzzle when choosing an auto insurance policy.

Other car insurance rate factors include who is covered to drive your Ford Fiesta and whether you’re covered when driving a rental car or driving outside of the United States.

The cost of your Ford Fiesta car insurance is determined by several variables including your driving record, your age and gender, marital status, credit score, where you live, and lastly the make, model, and model year of your vehicle.

To predict the car insurance cost of your Ford Fiesta insurance rates, you’ll need to understand how car insurance companies view risk based on the car you’re driving.

How Much Does Ford Fiesta Insurance Cost?

ford fiesta

On average, a Ford Fiesta owner will pay around $90 per month for car insurance coverage.

As the Ford Fiesta is considered a budget car, it is generally cheaper than average to insure snagging better rates than other vehicles, though many factors will affect your quoted price.

What follows is a closer look at these auto insurance rate factors, as well as suggestions on how to reduce your Ford Fiesta car insurance prices.

Safety Rating & Damage Threshold for the Ford Fiesta

The National Highway Traffic Safety Administration (NHTSA) and the Insurance Institute for Highway Safety (IIHS) are charged with studying the 6 million accidents that occur in the United States each year. They look at various crash test results from head on, side impact, and rollover before determining the overall safety of that specific vehicle.

Some accidents are not due to driver error or poor road conditions but are caused by malfunctions or poor vehicle design.

NHTSA uses a five-star rating system, while IIHS ranks vehicles from “G” for good, “A” for acceptable, “M” for marginal, and “P for Poor” based on crashworthiness. They also analyze crash avoidance and mitigation, how effective the safety features in the car may be, the effectiveness of headlights, and even the child LATCH ease of use.

NHTSA has tested two models of the 2019 Ford Fiesta, and both received good overall scores which may result in slightly reduced insurance rates.

Vehicle Name Overall Rating Frontal Crash Rating Side Crash Rating Rollover Rating
2019 Ford Fiesta 5 HB FWD 4 out of 5 Stars 4 out of 5 Stars 4 out of 5 Stars 4 out of 5 Stars
2019 Ford Fiesta 4 DR FWD 4 out of 5 Stars 4 out of 5 Stars 4 out of 5 Stars 4 out of 5 Stars

Comprehensive & Collision Coverage

When your insurance provider calculates premiums for your comprehensive coverage, collision coverage, and liability coverage within your Ford Fiesta insurance premium, it takes into account the overall cash value of your vehicle. Ford Fiesta car insurance rates are known to get cheap car insurance rates.

Keep in mind if you want full coverage on your new car, you will pay more than someone who chooses liability coverage only. Your monthly premium car insurance quote will come in higher, however, you will be covered from at fault accidents as well as any other incidents where damages occur.

As the value of your car goes up, so does the risk to the insurance provider. The cash value of your car depends on the year and exact model you own as well as your location.

Kelley Blue Book provides current cash values by ZIP code that are updated weekly.

The Out-the-door Target Price is often referred to as “TT & L,” or tax, title, and license, meaning state and local sales taxes, as well as the Department of Motor Vehicle fees and document fees.

Vehicle Name Fair Purchase Price Out-the-door Target Price
2017 Ford Fiesta 5 HB FWD $10,671 $12,352
2017 Ford Fiesta 4 DR FWD $10,363 $12,011

Claims Frequency & Potential to Cause Damage

Claims frequency and damage potential statistics have a direct effect on insurance rates since increased loss costs of liability insurance like bodily injury, property damage, and personal injury protection translate to higher expenses to the insurance company.

The most recent data from IIHS shows that the hatchback model of this vehicle earned “good” ratings in four categories, including roof strength and head restraints and seats.

It received a “marginal” rating on crashworthiness for the driver’s side and one “poor” score for the ease of use on the child seat anchors.

Some of these metrics could affect the cost of an insurance policy for your Ford Fiesta.

Ford Fiesta Theft Rate

If your vehicle model is one that is frequently stolen, this can add extra dollars to your automobile policy.

The National Insurance Crime Bureau (NCIB) keeps track of this trend, and the good news is that the Ford Fiesta is not on the latest “Hot Wheels” Report of cars frequently stolen.

Nevertheless, it may pay to use anti-theft devices or park your vehicle in a locked garage if you live in an area with a high crime rate.

Make sure to mention any such add-ons to your provider, as safety measures may get you a discount.

Also keep in mind your location will impact your overall car insurance rates. For example, a driver in New York may pay more for car insurance than someone in rural South Carolina.

Insurance Discounts

There are quite a few ways to get price breaks on automobile insurance, including good driver discounts for those who have had few or no accidents.

Drivers should look into group affiliations that may offer discounts, such as veterans, union members, and employee associations. One of the best ways to cut insurance costs is to drive a car with great safety equipment.

The 2019 Ford Fiesta comes equipped with anti-lock brakes, stability conrol, front impact air bags, side impact airbags, overhead airbags, knee airbags, pretnsioners, and security system, all of which may help reduce the overall price of your policy.

Ford Fiesta Theft Rate

If your vehicle model is one that is frequently stolen, this can add extra dollars to your automobile policy.

The National Insurance Crime Bureau (NCIB) keeps track of this trend, and the good news is that the Ford Fiesta is not on the latest “Hot Wheels” Report of cars frequently stolen.

Nevertheless, it may pay to use anti-theft devices or park your vehicle in a locked garage if you live in an area with a high crime rate.

Make sure to mention any such add-ons to your provider, as safety measures may get you a discount.

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What are the Best Companies for Ford Fiesta Insurance?

Plan on obtaining at least three quotes from potential insurers.

Most consumers will find that there’s a multitude of car insurance providers to choose from, and a variety of coverage options, some of which will fit your needs better than others, so it pays to shop around before signing up.

When it’s time to ask questions, here are a few that may help you get a lesser quotes rate.

  • Can the company “bundle”—give you cheaper costs by also providing homeowner’s or life insurance policies?
  • Will the policy be less expensive if fewer miles are driven annually?
  • Do you give “good student” rates?
  • What uninsured/underinsured coverage do you offer in case of a hit and run accident or incident with an uninsured driver?

What to Know About the Ford Fiesta

According to Car Magazine, the Ford Fiesta first rolled off the assembly line in 1976.

Initially designed in 1972-73 as a reaction to the international oil crisis, the little Ford Fiesta quickly became popular, and today more than 17 million have been sold worldwide.

Drivers who have reviewed the Ford Fiesta cite its reliability and low cost to own.

With its estimated miles per gallon of 27 in the city and 35 on the highway, filling up the Ford Fiesta is easy on the pocketbook.

Hopefully, you’ve now found the information you need to get great, reasonable insurance for your Ford Fiesta and can start your quote search today.