The Ford Fiesta is a subcompact car that was available in four-door sedan and hatchback models starting with the 1976 model in the U.S. Though Ford discontinued the Fiesta after the 2019 model year, you can still spot these vehicles on the road today. If you drive a Ford Fiesta, it needs to be protected with the right car insurance.
When it's time to find the best Ford Fiesta insurance, an independent insurance agent can assist you. These agents know where to get the right Ford insurance at a great rate. But first, here's a closer look at how much it costs to insure a Ford Fiesta by model year and top-rated insurance company in 2026.
Key Takeaways - Ford Fiesta Car Insurance
Ford Fiesta insurance costs an average of $2,057 per year, or approximately $171 per month, for full coverage in 2026.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2019 Ford Fiesta insurance this year.
Ford Fiesta insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $176.
Your age, location, credit, and driving history are all major factors that can influence the cost of Ford Fiesta insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Ford Fiesta model.
What Is Ford Fiesta Insurance?
Ford Fiesta insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a subcompact car, the Fiesta is unlikely to require any additional coverage beyond that needed by standard sedans. The Fiesta's average car insurance rates trend cheaper than those for many similar vehicles in its class.
Recommended coverage options for Ford Fiesta drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Ford Fiesta:
- Ford warranty insurance: This can extend Ford's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Ford parts during the repair process.
- Gap insurance: If you have a new or financed Ford vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Work together with a local independent insurance agent to get set up with all the required Ford Fiesta insurance to comply with your state's mandates. Failure to comply with insurance requirements can result in penalties, including fines.
How Much Does Ford Fiesta Insurance Cost?
The average cost of car insurance for a Ford Fiesta is $2,057 per year, or approximately $171 per month, for full coverage. Minimum coverage for a Ford Fiesta costs an average of $1,069 annually, or approximately $89 monthly. However, several factors can influence the cost of Ford insurance, including:
- The specific type of Fiesta you drive
- The types and amount of coverage you need
- Your claims history
- Vehicle safety features
- Your location
- Your credit score (where allowed)
- Your driving history
- Annual mileage
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Ford Fiesta full coverage insurance or a basic Ford Fiesta liability insurance policy.
Is the Ford Fiesta Expensive to Insure?
No, the Ford Fiesta isn't expensive to insure on average when compared to many other hatchbacks in its class. The Ford Fiesta's average monthly insurance rates are quite comparable with those of many similar vehicles, including the Volkswagen Golf, the Lexus IS, and the Mazda 6.
The table below compares the Fiesta's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Mazda 6 | $132 |
| Scion iM | $132 |
| Volkswagen Golf | $134 |
| Lexus IS | $134 |
| Ford Fiesta | $134 |
| Acura Integra | $137 |
| Honda Civic | $137 |
| Hyundai Veloster | $138 |
Ford Fiesta Insurance Costs by Model Year
Next, we'll break down several model years of the Ford Fiesta and the average insurance costs for each.
| Model Year | Average Annual Cost of Full Coverage |
| 2019 Ford Fiesta | $1,811 |
| 2018 Ford Fiesta | $1,738 |
| 2017 Ford Fiesta | $1,679 |
| 2016 Ford Fiesta | $1,623 |
| 2015 Ford Fiesta | $1,550 |
| 2014 Ford Fiesta | $1,505 |
| 2013 Ford Fiesta | $1,478 |
| 2012 Ford Fiesta | $1,460 |
| 2011 Ford Fiesta | $1,462 |
Cheapest Ford Fiesta Car Insurance Companies for 2026
Many different insurers in the U.S. offer affordable Ford Fiesta auto insurance. These top-rated Ford car insurance companies provide the cheapest model-year 2019 Fiesta insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $1,323 |
| American Family | $1,323 |
| Progressive | $1,439 |
| Erie | $1,748 |
| Nationwide | $2,284 |
| Allstate | $2,431 |
Ford Fiesta Car Insurance Rates by State
Location has a major impact on the cost of car insurance. Here are some average auto insurance rates for the Ford Fiesta by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Fiesta Insurance Rates by Trim Level
Your Fiesta's specific trim can also impact its auto insurance costs. Here are some average Ford Fiesta insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| 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 |
Average Ford Fiesta Insurance Rates by Driver Age
A driver's age can greatly influence the cost of their car insurance. Teens and young drivers are likely to pay the most, by far, for Ford Fiesta insurance. Auto insurance rates tend to decline considerably starting around age 25. However, at about age 65, car insurance costs gradually climb again.
Best Ford Fiesta Insurance Discounts: How to Lower Your Ford Fiesta Insurance Premiums
There are several easy ways you can save even more money on Ford Fiesta insurance, including any of the following:
- Ask about Ford Fiesta insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Ford may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Ford Fiesta insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Ford Fiesta insurance from a trusted carrier near you.
When you work with a local independent insurance agent, you're automatically matched to the most affordable coverage in your area. Your agent can also recommend additional tips to reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Ford Fiesta Insurance Quotes
When it's time to find the most affordable Ford Fiesta insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Ford Fiesta insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Ford Fiesta Insurance
How much does Ford Fiesta insurance cost per year?
The average annual cost of full coverage for a Ford Fiesta is $2,057 per year, or approximately $171 per month. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Ford Fiesta insurance premiums?
If you have poor credit, live in a high-theft rate area, or have accidents and other violations on your record, these can all increase the cost of Ford Fiesta insurance.
Is the Ford Fiesta expensive to insure?
No, the Ford Fiesta isn't expensive to insure on average. While the Fiesta's average monthly insurance rates are higher than some other hatchbacks, they're also quite comparable to many vehicles in its class, such as the Volkswagen Golf and the Lexus IS.
What are the best and cheapest carriers for Ford Fiesta insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2019 Ford Fiesta insurance this year.
How can I get cheaper Ford Fiesta insurance?
Finding cheaper Ford Fiesta insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/ford-fiesta-insurance/
https://www.thezebra.com/auto-insurance/vehicles/ford/fiesta/