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Compare Ford Fiesta car insurance in the UK

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How much does it cost to insure a Ford Fiesta?

Annual Ford Fiesta car insurance premiums typically range from £400 for basic third-party only policies to £900 or more for fully comprehensive cover. Exact costs depend on driver age, location and Fiesta model.

Factors that increase Ford Fiesta insurance costs include:

  • Engine size: More powerful engines, such as the 1.0-litre EcoBoost, have higher premiums than the base 1.1-litre engine
  • Performance models: The Fiesta ST commands higher premiums than standard models
  • No-claims discount (NCD): Policies without NCDs cost more
  • Driver age and experience: Under-25s pay the most, while over-25s with experience pay less
  • Location: Inner cities and street parking see higher costs than rural areas and garaging
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What factors determine Fiesta insurance cost?

In calculating premiums, insurers mainly examine:

Driving record

Recent accidents, traffic violations and disqualifications raise rates substantially. A clean record lowers costs.

Vehicle use

Daily driver policies cost more than those covering occasional recreational use. Mileage also impacts premiums.

Vehicle security

Insurers offer discounts for approved security devices and garaging. These reduce theft and damage claims.

Coverage limits

Lower coverage levels reduce premium costs but leave drivers exposed if a major claim occurs.

Tips for reducing Fiesta insurance premiums

Here are some top ways to get cheaper Fiesta insurance:

  • Shop around extensively and compare quotes from multiple insurers
  • Ask about discounts for multi-car policies, low mileage, experienced drivers and advanced courses
  • Increase your voluntary excess to £500 or more to lower premiums if you can afford the extra costs when claiming
  • Add an experienced second driver, such as a partner or parent, to benefit from their good record
  • Limit your Fiesta to recreational use rather than daily driving, when possible
  • Improve security with an approved alarm and tracking system. Also ensure garaging
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Finding the best Ford Fiesta insurance

The keys to finding affordable Fiesta cover is shopping around, minimising risk factors and leveraging discounts. Taking the time to compare specialist Fiesta insurers on comparison sites yields the best savings.

Ford Fiesta insurance FAQs

The Ford Fiesta typically spans groups 2 to 12, depending on the model year, engine size and specifications. Higher trims and the ST model sit in higher groups.

The Fiesta has a reputation as a reliable small car that is affordable to run and maintain. Repair costs are reasonable.

The Fiesta has a five-star Euro NCAP safety rating, with high scores in crash tests and standard driver-assistance features.

According to government estimates, the Fiesta achieves 40-60 mpg depending on the engine and transmission. EcoBoost models are efficient.

No. Ford previously sold the ECOnetic hybrid, but it was discontinued. There are currently no electric Fiesta models.

Increasing your excess, limiting mileage, adding experienced drivers, improving security and extensively comparing insurers can help reduce Ford Fiesta insurance costs.

Nick Jones

Editor in Chief

Nick Jones is a highly experienced consumer journalist and editor, who has been writing and producing content for print and online media for over 25 years.

He has worked at some of the UK’s leading publishers including Future Publishing, Highbury Entertainment, and Imagine Publishing, with publications as diverse as Homebuilding & Renovating, TechRadar, and Creative Bloq, writing and editing content for audiences whose interests include history, computing, gaming, films, and science. He’s also produced a number of podcasts in the technology, science, gaming, and true crime genres.

Nick has also enjoyed a highly successful career in content marketing, working in a variety of topics such as health, technology, and finance, with market-leading global companies including Cisco, Pfizer, Santander, and Virgin Media.

Now the Editor-in-Chief of the Independent Advisor, Nick is involved in all aspects of the site’s content, where his expertise in finance, technology, and home products informs every article that’s published on-site. He takes a hands-on approach with our VPN content, penning a number of the articles himself, and verifying that everything we publish in this topic is accurate.

Whatever the area of interest he’s worked in, Nick has always been a consumer champion, helping people find the best deals and give them the information they need to make an informed buying decision.