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How cheap is car insurance for a Ford Fiesta?

The new Ford Fiesta is generating a lot of excitement among small-car buyers because of its excellent quality, features, performance and price. Are you interested in the Ford Fiesta and wondering what it costs to insure? Enter your zip code above to compare car insurance quotes from auto insurance companies nationwide. However, before you do, why not take a few moments to read more about the Ford Fiesta, including reviews and specs as well as safety features and crash evaluations.

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A Ford Favorite Arrives in America

An earlier generation of the Ford Fiesta was briefly available in the U.S. from 1978 to 1980. Since then, the Fiesta has remained a popular and respected car in other parts of the world. The new North American model was shipped in the summer of 2010 for the 2011 model year. Almost immediately, it shot to the head of the class. U.S. News & World Report named the 2011 Fiesta its top choice in the Affordable Small Cars category, ahead of the Honda Civic and Honda Fit, both of which had dominated the category for some years. U.S. News also named the Fiesta its “2011 Best Subcompact Car for the Money.” Edmunds.com commented that the Fiesta offers the “most rewarding drive in its class” with excellent maneuverability and the right combination of feistiness and refinement.

Quite surprisingly, the Fiesta’s six-speed automatic transmission option is a dual-clutch of the type usually seen in more luxurious cars, although paddle shifters are not included because, according to Ford, the transmission is fixed to fuel-efficient gear ratios. Both this and its five-speed manual clutch option are well-liked by reviewers, and fuel economy is impressive with 28 city/37 highway for the manual and 29 city/38 highway for the automatic. The Fiesta comes in hatchback and sedan versions with a 1.6-liter four-cylinder engine that generates 120 horsepower. Available in five trim levels, its starting prices range from $13,320 to $17,420. The Fiesta offers a generous menu of tech-savvy and luxurious touches in upper trim levels, leading reviewers to assert that Ford has delivered an excellent, European-quality subcompact to its North American buyers.

Safety Features and Crash Evaluation Results

The Ford Fiesta is generously equipped with seven airbags, including the only driver knee airbag available in a subcompact car, as well as front and side airbags for the front row, and side-curtain airbags for front and back seats. Other safety equipment includes a reinforced structural cage around the passenger cabin, electronic stability control, anti-lock brakes and built-in blind-spot mirrors. In addition, there are several innovative performance features that will enhance safe handling in such a small car, including the Fiesta’s crosswind-minimizing Pull Drift Compensation System and a feature that compensates for tire imbalances called Active Nibble Cancellation.

In crash tests performed by the Insurance Institute for Highway Safety, the Ford Fiesta sedan and hatchback earned the highest mark in all categories, which included front, side, roof and rear crashes. As a result, it was named a Top Safety Pick for 2011 in the IIHS’s small car category. The federal government’s National Highway Traffic Safety Administration performed crash evaluations using its newly-updated and stricter standards, according to which the Fiesta was awarded four out of five possible stars overall, with four stars for front impact and rollover, and five stars for side impact. Although these results are excellent for a small car, the NHTSA did note a concern with side-impact crashes in which the left rear door intruded into the passenger cabin enough to cause a likely thoracic injury. This outcome was outside the normal testing parameters, so had no impact on the Fiesta’s official grade; the concern was therefore inserted as an additional comment. Expect that Ford will take steps to address this in future-year models; safety is a major factor in the competition between small-car makers, and Ford will no doubt wish to maintain the Fiesta’s top billing in this category.

How much is car insurance for a Ford Fiesta?

Estimates for the national average cost to insure a Ford Fiesta sedan or hatchback range between about $1150 and $1400 per year for a typical driver and policy limits. This is somewhat lower than its closest competitors such as the Honda Fit, Honda Civic, Volkswagen Golf and Hyundai Elantra, all of which average anywhere from $75 to $150 more per year. The Fiesta and these competitors all have sufficient safety features, however, to offset their small size and maintain relatively reasonable insurance rates overall. Even though it has a strong worldwide presence, the Ford Fiesta nonetheless has an edge because cars from domestic makers tend to insure for less than comparable models from foreign makers.

With this national average as a your starting point, you’ll find that a number of factors will affect the quotes you personally receive to insure a Ford Fiesta, including your age, gender, driving record, annual mileage, state and town, and credit score. For example, the Fiesta is appealing to many young drivers yet these can be some of the most challenging and expensive drivers to insure, especially under age 25. On the other hand, if the car is garaged in a less expensive state such as South Carolina or Tennessee (especially in a low-theft town) you may pay less than half what you would pay in an expensive state such as Mississippi or Louisiana, where average annual costs can exceed $2000 for a typical driver. One way to save money is to bundle all home and auto policies with one insurer who offers multi-policy discounts.

In addition to these variables, you’ll find strong competition among major car insurance companies, so it’s important to do your homework and get multiple quotes before settling with one insurer. To begin shopping for car insurance for a Ford Fiesta, enter your zip code above.

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