Car Insurance Quotes for a Ford Fiesta
Are you getting the cheapest car insurance available for a Ford Fiesta?
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How Much Is Car Insurance for a Ford Fiesta?
The average annual premium for a Ford Fiesta auto policy is $1,268 for full coverage and $594 for liability-only coverage.
If you’re shopping for a new policy, two options worth considering are liability-only and full coverage. Failure to carry a policy may lead to a suspended driver’s license/registration, fines, and even jail time in the most severe cases.
Have questions on how to structure a new auto policy? Would you like to pay a lot less than your current policy? Left Freeway Insurance shows you the way to get started.
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Comparing Insurance Costs for a Ford Fiesta to Other Vehicles
There are many reasons for the difference in premiums paid by Ford Fiesta owners and drivers of comparable vehicles like the Honda Civic and the Toyota Corolla.
Several factors that come to mind are safety records, historical claim data, theft rate, driver demographics, engine size, and repair costs. Note this is not an all-inclusive list.
| Make/Model | Annual Full Coverage Insurance |
|---|---|
| Ford Fiesta | $1,268 |
| Toyota Corolla | $1,695 |
| Mazda 3 | $1,668 |
| Chevrolet Cruze | $1,642 |
| Nissan Sentra | $1,745 |
Types of Car Insurance Coverage for a Ford Fiesta
There are many types of auto policies available to Ford Fiesta drivers, including liability-only and full coverage.
Both policies ensure that you meet your state’s legal requirements for driving. After an at-fault accident, liability provides coverage for third parties only, while full coverage covers you up to policy limits
Full Coverage
The preferred type of policy is full coverage, which offers first party and third-party benefits to protect you and fellow drivers.
It consists of liability, collision, and comprehensive, which protects against a broader range of scenarios, including repairing/replacing your vehicle and paying for damages due to collisions and non-collision events (up to specified limits).
For collision, expect to pay as high as $1,200 per year (versus up to $700 for comprehensive). However, this pricing will change depending on your vehicle, driving record, and hundreds of other variables. Naturally, performance, luxury, and some cars command higher premiums, thanks to the higher cost of parts and labor.
State Minimum Liability
One of the best things Ford Fiesta drivers can do is to always be insured.
One popular policy is liability-only, the minimum amount of coverage required by state law. These limits extend to liability for bodily injury and property damage.
Every state has its limits. For example, all Florida drivers must carry $10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL).
In turn, Arkansas, Nebraska, and Ohio drivers must carry ’25/50/25 ‘policies, or $25,000 in BIL per person, $50,000 in BIL per accident, and $25,000 in PDL per accident.
Note: this type of policy only provides third-party benefits, which only pay for the cost of damages and injuries caused to other parties, not to the actual policyholder. For first-party benefits, consider full coverage.
Individual Factors That Influence Pricing for the Ford Fiesta
Two factors that arguably influence pricing the most for Ford Fiesta drivers are age and driving record.
However, providers use hundreds of variables to assess risk for every policyholder, make, and model. Other factors heavily considered are the type of vehicle you drive, annual mileage, limits and deductible amounts.
Vehicle Characteristics
As for the type of vehicle you drive, any car with a high theft rate, high cost of replacement parts, high number of annual miles driven, and lack of safety features will inevitably lead to higher costs. It’s one of the reasons Teslas, Audis, and BMWs cost significantly more to insure than the lower-cost Ford Fiesta.
Coverage Levels and Amount of Deductible
Another important consideration is your levels and deductible amounts. Liability-only policies cost much less than full coverage with liability, collision, and comprehensive. Higher deductibles also lead to lower premiums, as the policyholder will cover more of any claim cost.
How Does a DUI Affect Car Insurance Rates?
Any driver with a DUI conviction on their record can expect severe consequences.
For starters, you will see a premium increase with reclassification as a high-risk driver. With this, you’ll likely be required to file for FR-24 or SR-22, an add-on to your existing policy that lets the state know you carry the minimum required limits.
In the most severe cases, expect outright policy cancellation, forcing you to turn to a high-risk insurer.
Lastly, DUI-convicted drivers should also expect to lose all or most discounts, such as good driver and multi-policy.
Unfortunately, there’s very little you can do after a DUI conviction to lower your premiums. Insurers want to see a clean driving record for a minimum of three years before the possibility of lower rates over time.
What Are Some Car Insurance Discounts for a Ford Fiesta?
Two of our preferred discounts for drivers are good driver and multi-policy discounts.
Multi-policy discounts are awarded to drivers who purchase different policies from the same insurer (e.g., auto, life, homeowners, and boat). Consider it a type of loyalty discount. In turn, good driver discounts reward policyholders for safe driving. Safe driving means no claims, at-fault accidents, or other traffic infractions for the past three to five years.
The longer you go without a claim, the less of a risk you are to providers and the more happily they’ll insure you.
If you want to save extra, check your eligibility for the following discounts as well:
- Safety Feature Discount. You might see a small discount if you install safety-related features in your vehicle, such as airbags, electronic stability control, adaptive cruise control, or a simple steering wheel jack. Now that your car is safer to insure, insurers will compensate you for your time and effort.
- Paperless Billing Discount. If you are up for electronic communications over paper mail, it can lower a provider’s administrative costs, which passes the savings down to you.
- Multi-Vehicle Discount. As the name implies, multi-vehicle discounts award policyholders who insure two or more vehicles under the same policy. Ensuring each vehicle separately costs more for insurers than covering several vehicles “at once.”
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What Are Some of the Characteristics of the Ford Fiesta?
The Ford Fiesta is a vehicle in the subcompact sedan segment, discontinued after the 2019 model year.
It is available in two body styles: sedan and hatchback.
Standard features on the Ford Fiesta include a six-speaker sound system, a 4.2-inch display, a USB port, and Bluetooth. Upgrading to the highest-level trim adds a six-speed manual transmission, eight-speaker Sony stereo, push-button start, and proximity keyless entry.
Main competitors are the Toyota Corolla, Mazda 3, Chevrolet Cruze, and Nissan Sentra.
Find the Best Car Insurance Rates Online for the Ford Fiesta Today
If you’re in the market for a new and affordable policy, let Freeway Insurance show you the way.
If you want to get started with Freeway Insurance, please request a quote online, call 800-777-5620, or head over to one of our offices for a friendly chat with one of our agents. Let’s explore all of your possibilities today!