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Car Insurance for the Ford Fiesta: Everything You Need to Know

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While Ford retired its Fiesta lineup of subcompact cars in 2019, the vehicle is still popular with drivers and there are still many out there on the road. Maybe you’re thinking about buying a previously owned Fiesta. If so, you’ll need car insurance for your Fiesta.

How Much Is Car Insurance for a Fiesta?

According to The Zebra, it costs, on average, $122 a month to insure a Ford Fiesta. That’s $7 less than average vehicle insurance premiums. One reason the Fiesta is so affordable to insure is that it is loaded with safety features and has high safety ratings. It’s also a practical car typically used for commutes and running errands around town. Because it isn’t built for speed, insurance companies don’t consider it a risk to insure. As The Zebra notes, the Fiesta is also relatively inexpensive to repair.

What Type of Insurance Should You Purchase for Your Ford Fiesta?

TrustedChoice.com suggests you purchase the following types of car insurance for your Ford Fiesta:

  • Bodily injury liability: If you’re responsible for an accident and the other driver incurs injuries, bodily injury liability will pay for their medical care. Most states mandate that you carry bodily injury liability coverage.
  • Property damage liability: This is another type of insurance typically mandated by the state. It covers damages to the other driver’s car if you’re the responsible party in an accident. It also pays for repairs if an object such as a fence or lamp post sustains damage.
  • Medical payments/personal injury protection (PIP): While some states require PIP, others will allow you to opt out. Your insurance agent will guide you regarding your state’s requirements. If you purchase PIP, it will pay for your medical care and your passengers’ medical care, even if another driver is responsible for the accident.
  • Uninsured motorist coverage: This type of coverage is typically optional, although a handful of states require drivers to carry it. Uninsured motorist coverage protects you in the event of an accident where the other driver does not have car insurance.
  • Collision coverage: This type of coverage is never required by state law. However, if you’re still paying off your Ford Fiesta, your lending company will typically require you to carry collision coverage. It pays to repair your vehicle if it sustains damage after colliding with another vehicle or other object. If your Fiesta is paid off, you might want to skip this coverage. Just make sure that you can pay for repairs out of pocket.
  • Comprehensive coverage: Like collision coverage, comprehensive coverage is typically necessary if you’re paying off your vehicle but not mandated by the state. Comprehensive coverage pays for damage that’s a result of natural disasters, vandalism, or an accident involving an animal. If your Fiesta is fully paid for and you can afford to pay for repairs out of pocket, you can skip comprehensive coverage.
  • Glass coverage: While the cost of a broken windshield is usually worth less than the glass coverage deductible, many drivers think it’s worth adding glass coverage to their policies to avoid unexpected expenses.
  • Gap insurance: If you owe more on your Fiesta than what it’s worth, gap coverage will pay for the difference if an accident results in a total loss.

    Factors That Affect Ford Fiesta Insurance Costs

    Because insurance companies factor in your personal profile when calculating insurance rates, you could end up paying more or less than the average premium for a Fiesta. Your age significantly impacts your rates because it’s a reflection of how responsible you are and how much experience you have as a driver. According to AutoInsurance.org, here’s what you can expect to pay to insure your Fiesta depending on your age:

    • Ages 16 to 19: $4430 a year
    • Ages 20 to 29: $2748 a year
    • Ages 30 to 39: $1265 a year
    • Ages 40 to 49: $1212 a year
    • Ages 50 to 59: $1105 a year
    • Ages 60 to 69: $1082 a year

      Living in a city that has high rates of car thefts and car accidents can impact your insurance rates as well. AutoInsurance.org gathered quotes to see how much Fiesta owners pay for insurance if they live in certain cities. Here’s what they found:

      • Los Angeles, California: $2073 a year
      • New York, New York: $2015 a year
      • Houston, Texas: $1899 a year
      • Jacksonville, Florida: $1757 a year
      • Philadelphia, Pennsylvania: $1624 a year
      • Chicago, Illinois, $1600 a year
      • Phoenix, Arizona: $1406 a year
      • Seattle, Washington: $1176 a year
      • Indianapolis, Indiana: $1030 a year
      • Columbus, Ohio: $1006 a year

        Affordable Insurance Options for Fiesta Owners

        Even if you’re in a high-risk age group or live in a major city, you can save money by shopping around for quotes. According to The Zebra, these are the most affordable providers if you’re insuring a Fiesta:

        • Allied: $777 a year
        • Erie: $1020 a year
        • Vermont Mutual: $1049 a year
        • Nationwide: $1235 a year
        • USAA: $1262 a year
        • State Farm: $1270 a year
        • GEICO: $1294 a year
        • American Family: $1351 a year
        • Country: $1376 a year
        • Tennessee Farmers: $1389 a year
        • Arbella: $1426 a year
        • Southern Farm Bureau: $1442 a year

          Car Insurance Discounts for Fiesta Owners

          Qualifying for discounts will help you save even more money on insuring your Fiesta. Insurance.com suggests you discuss the following discounts with your provider:

          • Safe driver discount: Ask your provider if they have a smartphone app or telematics program that tracks your driving habits. If they do, you can qualify for customized discounts based on how safely you drive.
          • Safety features discounts: Your Fiesta comes with many safety features that can earn you a discount, including passive restraint systems, anti-lock brakes, and anti-theft devices.
          • Bundling discounts: Many providers award their customers discounts for insuring their home and automobile with the same company. If you or someone else in your household owns another vehicle, you can earn a discount if you add it to the same policy that covers your Fiesta.

            Now that you know what options you have for insuring your Ford Fiesta, you can make an informed decision about which type of policy is right for you. With a little effort, you can find excellent coverage at a fair price.

            Check this out if you need additional information, resources, or guidance on car insurance.

            Sources:

            Ford Fiesta Insurance Cost | thezebra.com

            Ford Fiesta Car Insurance | trustedchoice.com

            Ford Fiesta Insurance Cost Estimate [How to Find Cheap Rates] | autoinsurance.org

            Auto insurance discounts to ask for: Complete guide for 2021 | insurance.com

            2019 Ford Fiesta | caranddriver.com

            When Should You Drop Collision and Comprehensive Coverage? | caranddriver.com

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