Cheap Ford Fiesta Car Insurance in 2024 (Find Savings With These 10 Companies!)

The best providers for cheap Ford Fiesta car insurance are USAA, Erie, and State Farm, known for their competitive rates and comprehensive coverage.

These companies excel in catering to the specific needs of Ford Fiesta owners, offering policies that combine cost-efficiency with thorough protection. Each company is celebrated for its customer service and reliability, making them stand out in a crowded market.

Our Top 10 Company Picks: Cheap Ford Fiesta Car Insurance

Whether you’re looking for basic liability or comprehensive coverage, these insurers provide top-tier options that help Ford Fiesta drivers secure the necessary protection without breaking the bank.

Searching for more affordable premiums? Insert your ZIP code above to get started on finding the right provider for you and your budget.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

#1 – USAA: Top Overall Pick

Pros

• Exclusive Military Discounts: USAA offers special rates and discounts exclusively for military members and their families.
• Superior Customer Service: Known for exceptional customer support tailored to the needs of military personnel. Learn more in our article titled USAA insurance review & ratings.
• Robust Coverage Options: Provides a variety of insurance coverages that can be customized to fit individual needs.

Cons

• Eligibility Restrictions: Only available to military members, veterans, and their immediate families.
• Limited Physical Locations: Fewer local offices, which might affect those who prefer in-person service.

#2 – Erie: Best for Filing Claims

Pros

• Efficient Claims Process: Erie is known for a straightforward and quick claims process.
• Rate Lock Feature: Offers a rate lock feature that ensures your insurance rates won’t increase.
• Personalized Service: Highly personalized service through a network of local agents. See more details on our article titled Erie insurance review & ratings.

Cons

• Regional Availability: Erie insurance is not available in all states.
• No Online Claims for All Policies: Some claims must be filed through agents, not online.

#3 – State Farm: Best for Local Agents

Pros

• Bundling Policies: Offers significant discounts for bundling multiple insurance policies.
• High Low-Mileage Discount: Provides a substantial discount for low-mileage usage.
• Wide Coverage: Offers various coverage options tailored for different business needs. Read up on the “State Farm Insurance Review & Ratings” for more information.

Cons

• Limited Multi-Policy Discount: The multi-policy discount of State Farm is not as high compared to some competitors.
• Premium Costs: Despite discounts, premiums might still be relatively higher for certain coverage levels.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

#4 – Travelers: Best for Comprehensive Coverage

Pros

• Customizable Packages: Extensive options to customize your insurance package.
• Discounts for Multiple Policies: Attractive discounts when you bundle car insurance with other policies.
• Green Car Discounts: Special discounts for eco-friendly vehicles. More information is available about this provider in our article titled Travelers insurance review & ratings.

Cons

• Higher Premiums Without Bundles: Costs can be high unless you bundle policies.
• Complex Policy Management: Some users find policy management and adjustment processes to be complex.

#5 – The Hartford: Best for Exclusive Benefits

Pros

• Special Benefits for AARP Members: Offers exclusive benefits and discounts for AARP members.
• RecoverCare Advantage: Unique coverage that helps pay for essential home services after accidents.
• 12-Month Rate Protection: Offers a 12-month rate protection plan to keep premiums stable. Check out insurance savings in our complete article titled The Hartford insurance review & ratings.

Cons

• Age-Specific Services: Some services and discounts are targeted primarily at older drivers.
• Availability Issues: Not all programs are available in every state.

#6 – Nationwide: Best for Accident Forgiveness

Pros

• Accident Forgiveness: Helps to prevent rate increases after your first accident.
• Vanishing Deductible: Reduces your deductible for each year of safe driving.
• SmartRide Program: Discount program that rewards safe driving habits. Discover more about offerings in our article titled Nationwide insurance review & ratings. 

Cons

• Pricing Variability: Premiums can vary widely depending on the state and driving history.
• Customer Service Variation: Customer service quality can vary from one agent to another.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

#7 – Amica Mutual: Best for Dividend Payments

Pros

• Dividend Policies: Offers policies that can return up to 20% of premiums as dividends. Access comprehensive insights into our article titled Amica car insurance discounts.
• High Customer Satisfaction: Consistently rated highly for customer service and claims satisfaction.
• Wide Range of Discounts: Offers a variety of discounts, including loyalty and multi-line discounts.

Cons

• Higher Starting Premiums: Initial rates can be higher than some competitors.
• Limited Availability: Not available in all states, which can be a disadvantage for some potential customers.

#8 – Farmers: Best for Family Plans

Pros

• Customizable Coverage: Offers customizable coverage options that cater to families.
• New Car Pledge: Replacement for new cars that are totaled within the first two model years.
• Accident Forgiveness: Policies include accident forgiveness options. Delve into our evaluation of Farmers insurance review & ratings.

Cons

• Higher Cost for Additional Features: Enhanced coverage options and benefits come at a higher price.
• Complex Policies: Some customers find their policies to be complex and difficult to understand.

#9 – Allstate: Best for Customer Service

Pros

• Drivewise Program: Offers a telematics program that rewards safe driving. Unlock details in our article titled Allstate insurance review & ratings.
• Multiple Discount Options: Provides a wide array of discounts, including new car and anti-theft device discounts.
• Local Agents Nationwide: Strong presence with local agents available across the country.

Cons

• Price Points: Generally more expensive than some competitors.
• Claims Process Issues: Some customers report dissatisfaction with the speed and efficiency of the claims process.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

#10 – Liberty Mutual: Best for Safe-Driving Discounts

Pros

• Customizable Policies: Allows customers to tailor their coverage extensively. Discover insights in our article titled Liberty Mutual review & ratings.
• Accident Forgiveness: Offers accident forgiveness policies to qualifying drivers.
• RightTrack Refund: Provides a refund for safe driving through its RightTrack telematics program.

Cons

• Variable Customer Service Quality: Customer service quality can be inconsistent.
• Higher Rates Without Discounts: Base rates can be high, making discounts essential for affordability.

Comparative Monthly Rates for Ford Fiesta: Minimum vs. Full Coverage

When considering insurance for your Ford Fiesta, the cost varies significantly depending on the level of coverage and the provider you choose. The table below offers a clear comparison of monthly rates for both minimum and full coverage across various insurance companies.

Ford Fiesta Car Insurance Monthly Rates by Coverage Level & Provider

For those seeking basic protection, USAA presents the most economical option at $36 for minimum coverage, while Erie offers the lowest cost for full coverage at $93. On the higher end, Liberty Mutual charges $90 for minimum coverage, escalating to $156 for full coverage. Learn more in our article titled “Full Coverage Car Insurance: A Complete Guide.”

The choice between minimum and full coverage should consider both your budgetary constraints and the degree of protection desired for your Ford Fiesta. Understanding these differences in pricing can help you make an informed decision that balances cost with the level of security provided by the insurance.

Factors That Determine Ford Fiesta Car Insurance Cost

Determining the cost of car insurance for your Ford Fiesta involves several factors. The age and model of the vehicle significantly impact your rates, with newer, more expensive models generally costing more to insure. Your age and driving record also influence premiums; younger drivers and those with accident histories typically face higher costs.

Location matters too, as areas with higher crime or accident rates tend to have increased premiums. The choice of coverage—comprehensive, collision, and liability—also affects your insurance costs. Opting for a higher deductible can lower your premium but increases out-of-pocket expenses if an accident occurs.

Additionally, many insurers offer discounts for safe driving, policy bundling, or specific vehicle safety features, helping to reduce overall costs for insuring a Ford Fiesta. See more details on our article titled “Can I bundle my car insurance with other policies?”

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Understanding the Insurance Rates for Ford Fiesta Vehicles

Now that we’ve covered the factors influencing Ford Fiesta car insurance costs, let’s examine the average rates for different models. Remember, these rates are approximate and can vary based on factors like your location and driving history.

For a standard Ford Fiesta model, the average monthly insurance cost can range from approximately $67 to $100. This estimate assumes average coverage levels and deductibles. However, if you opt for higher coverage limits or lower deductibles, your insurance costs will likely be higher.

The insurance rates for newer Ford Fiesta models tend to be slightly higher due to their increased value. On the other hand, older models may have lower insurance costs, as their market value has decreased over time.

It’s important to remember that these estimates are general guidelines. Insurance rates can vary widely due to several factors. To get an accurate cost for insuring your specific Ford Fiesta model, it’s best to obtain personalized quotes from multiple providers. Check out insurance savings in our article titled “How To Get Free Insurance Quotes Online.”

Comparison of Car Insurance Rates for Different Ford Fiesta Models

When comparing car insurance rates for different Ford Fiesta models, keep in mind that insurance costs can vary based on the specific features and trim level of your vehicle. Some Ford Fiesta models may have additional safety features or higher performance capabilities, which can impact insurance rates.

For example, the insurance cost for a Ford Fiesta S Sedan may be lower compared to the insurance cost for a Ford Fiesta ST Hatchback. The more powerful engine and sportier features of the ST Hatchback may result in higher insurance rates.

It’s advisable to contact your insurance provider or request quotes specifically for the Ford Fiesta model and trim level you own or plan to purchase. This will help you get a more accurate estimate based on the unique features and specifications of your vehicle.

Tips to Lower Your Ford Fiesta Car Insurance Premiums

Now that we have discussed the factors that determine Ford Fiesta car insurance costs, let’s explore some tips to help lower your insurance premiums:

1. Shop Around: Don’t settle for the first insurance quote you receive. Shop around and compare quotes from multiple insurance providers to find the best rates for your Ford Fiesta.
2. Bundle Your Policies: Consider bundling your auto insurance with your home or renter’s insurance policies. Insurance companies often offer significant discounts for bundling multiple policies together.
3. Take Advantage of Discounts: Ask your insurance provider about any available discounts. These may include safe driving discounts, low-mileage discounts, or discounts for safety features in your Ford Fiesta.
4. Consider Raising Your Deductibles: Increasing your deductibles can lower your premium. However, make sure you choose a deductible that you can comfortably afford in case of an accident.
5. Maintain a Good Driving Record: Avoid accidents and traffic violations to keep your insurance costs down. Safe driving over time can help you qualify for lower rates.
6. Take a Defensive Driving Course: Completing a defensive driving course can often lead to insurance discounts. Check if your insurance provider offers such a program.

By implementing these tips, you can potentially save money on your Ford Fiesta car insurance premiums. However, always contact your insurance provider to discuss your specific situation and get tailored advice. Discover more about offerings in our article titled “What is the difference between a deductible and a premium in car insurance?”

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Factors That Can Increase the Cost of Ford Fiesta Car Insurance

While we’ve discussed factors that determine Ford Fiesta car insurance costs, it’s important to understand what can increase these premiums. A poor driving record, young age, living in high-crime areas, and a low credit score all categorize you as a higher risk to insurers, potentially raising your rates.

However, you can mitigate these costs by maintaining a clean driving record and taking advantage of discounts offered by insurance companies. These strategies can significantly reduce the financial impact of high-risk factors on your insurance rates. Discover more about offerings in our guide titled “Lesser Known Car Insurance Discounts.”

How the Age and Driving Record Affect Ford Fiesta Car Insurance Rates

Age and driving record are pivotal factors influencing the cost of car insurance for Ford Fiesta owners. Younger drivers under 25 are typically seen as higher risk due to their limited driving experience, leading to higher premiums. However, as drivers age and gain more experience, their insurance rates tend to decrease.

Similarly, a driver’s history of accidents, traffic violations, or other infractions can significantly raise premiums, while a clean driving record may qualify them for lower rates. To reduce Ford Fiesta car insurance costs, maintaining a spotless driving record and adopting responsible driving habits are essential.

By avoiding accidents and traffic violations, not only can you enhance your safety on the road, but you can also achieve more economical insurance coverage. Access comprehensive insights into our article titled “What is voluntary accident insurance?”

Exploring Different Coverage Options for Ford Fiesta Car Insurance

When purchasing car insurance for your Ford Fiesta, it’s essential to understand the different coverage options available. Let’s explore some common types of coverage you may encounter:

1. Liability Coverage: Liability coverage protects you financially if you cause an accident and injure someone or damage their property. Most states require a minimum level of liability coverage.
2. Collision Coverage: Collision coverage pays for repairs to your Ford Fiesta if it is damaged in a collision, regardless of who is at fault.
3. Comprehensive Coverage: Comprehensive coverage provides protection for non-collision-related incidents such as theft, vandalism, or natural disasters.
4. Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who does not have insurance or whose insurance is insufficient to cover your damages.
5. Medical Payments Coverage: Medical payments coverage helps cover medical expenses for you and your passengers if you are injured in an accident.
6. Personal Injury Protection: Personal Injury Protection (PIP) insurance coverage is similar to medical payments coverage and may extend to cover lost wages, childcare costs, and other related expenses resulting from an accident.

It’s important to carefully consider the coverage options that align with your needs and budget. Discuss these options with your insurance provider to determine the best coverage for your Ford Fiesta.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

Is It More Expensive to Insure a New or Used Ford Fiesta

The cost to insure a Ford Fiesta can vary based on whether it is new or used. In general, it is often more expensive to insure a new Ford Fiesta compared to a used one. This is primarily because new vehicles have a higher market value and may require more expensive repairs in the event of an accident.

However, insurance rates also depend on other factors such as the model year, trim level, safety features, and your driving record. So, while insuring a new Ford Fiesta might generally be more expensive, it’s important to compare insurance quotes for both new and used models to get an accurate idea of the cost difference. Delve into our evaluation of “Defensive Driving Courses Can Lower Your Car Insurance Rates.”

If you’re considering purchasing a used Ford Fiesta, it’s advisable to check the vehicle’s history, condition, and maintenance records. A well-maintained used Ford Fiesta with a clean history may still qualify for lower insurance rates compared to a brand-new model with a less favorable driving record.

How Location Impacts the Cost of Ford Fiesta Car Insurance

The location where you reside significantly affects your Ford Fiesta car insurance costs. Insurance companies assess factors like population density, crime rates, accident frequencies, and local laws when determining premiums. Living in densely populated areas often leads to higher rates due to an increased likelihood of accidents and theft.

Similarly, regions with high crime rates, particularly those involving vehicle theft, see escalated premiums because of greater risks of damage or loss. Accident rates in your area are also crucial; higher incidences can directly raise insurance costs. Additionally, state-specific laws and minimum coverage requirements can influence your premiums. Unlock details in our guide titled “Is car theft covered by car insurance?”

When you seek quotes for your Ford Fiesta, providing your exact location helps ensure the estimates accurately reflect these local variables. Should you consider relocating, it’s wise to consult your insurance provider about potential changes to your rates resulting from a new location.

Discount Opportunities for Ford Fiesta Car Insurance Policies

Insurance companies offer a variety of discounts to help reduce the cost of Ford Fiesta car insurance. Common discounts include a safe driving discount for maintaining a clean driving record without accidents or traffic violations. Bundling your car insurance with other policies like home or renter’s insurance can qualify you for a multi-policy discount.

Additionally, installing safety features such as anti-lock brakes, airbags, or anti-theft systems in your Ford Fiesta can lead to safety feature discounts. Students with good grades might be eligible for a good student discount, which acknowledges their academic efforts. Discover insights in our article titled “Best Safety Features Car Insurance Discounts.”

Moreover, a low mileage discount is available for drivers who cover fewer miles annually, reducing their risk of accidents. It’s essential to inquire with your insurance provider about all possible discounts, as leveraging multiple discounts can significantly lower your insurance costs for your Ford Fiesta.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption

The Importance of Shopping Around for Ford Fiesta Car Insurance Quotes

When searching for the best car insurance rates for your Ford Fiesta, it’s essential to shop around and gather multiple quotes. This approach allows you to compare prices from various insurance providers, helping you find the most affordable rates available.

Additionally, different insurers may offer varied coverage options, giving you the flexibility to customize your policy according to your specific needs. By comparing these options, you ensure that you select a policy that best suits your requirements, ensuring optimal coverage for your vehicle.

Enter your ZIP code below to compare rates from the top providers near you.

Compare The Best Insurance Quotes In The Country

Compare quotes from the top insurance companies and save!

Auto Home Health Life Business Motorcycle Pet Medicare Rental

 Secured with SHA-256 Encryption