Ford Fiesta insurance group and cost

The Ford Fiesta launched way back in 1976 and is one of the most popular family cars of all time, across the world, combining affordability with quality. In this guide, we’ll look at Ford Fiesta car insurance costs and how you could save on your premiums.

Ford Fiesta insurance groups

Vehicles in the UK are categorised into insurance groups, ranging from group 1 (the cheapest) to group 50 (the most expensive), which partly determine the cost of your premium.

Ford Fiesta models range from insurance groups 2 to 16, so although they’re all very definitely on the more affordable end of the spectrum, the costs do vary quite a bit. For example, a 30-year-old driver in an average postcode could pay…

• around £582 for cover on a group 2 Ford Fiesta, like the Style 1.1 Ti-VCT 70PS 5d
• or around £791 for a Ford Fiesta X Edition 1.0T EcoBoost 140PS 5d, which is in group 16.

That’s a difference of more than £200 to insure the same make of car. The insurance group a particular model is placed in depends on a number of different factors, including the car’s price.

However, the insurance group isn’t the only factor determining the cost of your car insurance: one of the most important other factors is your age. The younger you are, the more risk you represent to insurers, and the more you’re likely to pay for insurance.

That’s why, in the table below, we show you the insurance group for each Ford Fiesta model and also the likely cost at a few different ages.

Ford Fiesta insurance groups and average cost by driver’s age

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: March 2021 (source: Quotezone)

How much does it cost to insure a Ford Fiesta in the UK?

To give you an idea of how much it could cost you to insure your car, we ran a number of quotes to find an average figure. Our results estimated that, on average, you could insure your Ford Fiesta with a comprehensive policy for monthly payments of £63.77 or an annual sum of £688.56.

See what insurance rates you’ll get for other Ford models.

• How we got this rate

  We generated these quotes using the following assumptions.
  The vehicle is/has:

  • 2018 model
  • Manual transmission
  • Petrol
  • 1.2 litre engine
  • Factory-fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • Parked in a work car park during the day
  • Parked on a driveway at night

  The driver is/has:

  • A 30-year-old teacher living in London
  • A homeowner
  • 5 years no claims discount
  • No driving or other convictions in the last 5 years

Ford Fiesta insurance cost by location

The table above shows the average cost of Ford Fiesta insurance based on insurance groups and driver age. However, many other factors affect the cost of your car insurance premiums, and one of the biggest is where you are in the UK. Where you live helps determine the level of risk that your car may be stolen or that you’ll be involved in an accident, and this affects the cost of insurance.

To demonstrate the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Zetec 1.5 TDCi 85PS 3d.

• Expensive: £836 (London SE1)
• Average: £700 (Newcastle NE1)
• Cheap: £505 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: March 2021 (source: Quotezone)

Which other factors affect my Ford Fiesta insurance rate?

We’ve covered insurance groups, driver age and location. Here are some of the other factors that affect your insurance premium costs:

• Your marital status
• Your credit history and job
• Your car’s safety rating score
• The model of your car (particularly the engine type and capacity)
• The age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity
• No-claims discount

Car insurance premiums are very personalised. Want even more specifics? Check out our guide to how car insurance premiums are calculated. The key is to get the right cover level, plus good service at the cheapest price.

How can I save on insurance premiums for my Ford Fiesta?

When searching for insurance, you’ll want to find the best deal for a price that’s within your budget. We’ve uncovered some tricks you can try to lower the cost of your premium: take a look below.

• Limit your car usage (where possible). Occasionally deciding to walk or get public transport, rather than using your car, can help to save on your premiums.
• Pay annually rather than monthly. It might be scary to part with a large sum of money in one go, but if you’re able to pay annually you can save an average of £97.20 a year.
• Don’t just accept your renewal quote. When it’s time for renewal, it’s worth investing a couple of hours to compare quotes: there may be cheaper options out there.

So how do I compare car insurance quotes?

• Shop around. The best way to find the best deal is to research a whole bunch of policy options with different providers. It’s worth looking into all levels of cover at this stage as one provider’s comprehensive policy could be cheaper than another’s third party.
• Research tailored policies. If you decide you need a more tailored policy for your personal circumstances, start looking into more specialised cover like temporary or telematics insurance.
• Consider any optional extras. Think about any optional extras you can drop or add to suit your needs.
• Balance your need against the policy price. There’s no such thing as the perfect policy, so your best bet is to strike a good balance between a decent price and a policy that suits all your needs.

Is a Ford Fiesta cheap to insure?



Finder insurance expert Danny Butler answers

Let’s say you’re doing everything you can from the list above: you’re driving less, you’re paying annually, you’re shopping around for insurance quotes. Does that mean you’ll find a Ford Fiesta cheap to insure?

The short answer is yes: all Ford Fiestas are towards the lower end of the insurance price range. However, there is still some variety between models.

One factor affecting insurance groups is engine size. In general, the bigger the engine, the higher the cost of your insurance, because these engines are more expensive to repair or replace. For example, an average 30-year-old may pay £582 for the 1.1-litre petrol Ford Fiesta Style 1.1 Ti-VCT 70PS 3d, but could pay around £700 for the 1.5-litre diesel Ford Fiesta Style 1.5 TDCi 85PS 3d.

Finally, the safer your car is, the less of a risk it will be for companies to insure.

How safe is the Ford Fiesta?

Ford Fiestas were awarded a 5/5 safety rating by Euro NCAP when tested in 2017. They tested well for crash protection, and are well equipped with crash avoidance technology. Impressively, this car scored 87% for adult occupant safety, and 84% for child occupants.

Ford Fiestas come with an array of technology designed specifically to keep you and your car protected. As standard, Fiestas are made with airbags for the driver and front passenger, as well as front and back curtain airbags. These vehicles are also made from boron steel – which is 4 times stronger than normal steel!

Other features range from rear parking sensors to ABS and traction control to help your tires get to (better) grips with the road. ESC, or electronic stability control, monitors your car’s behaviour to keep you safe on the road, whilst Electronic Brake Distribution helps to stop your rear wheels from locking by balancing brake force when you have to stop in a hurry. Brake Assist helps you stop more quickly. Ask your insurer which safety features could result in lower premiums.

Compare Ford Fiesta insurance quotes

Bottom line

Ford Fiestas are one of the most popular cars on the road. You’ll pay less than average in insurance costs if you opt for this car, and the tips in this guide will help you to reduce your premiums even further. If you’re on the lookout for a car insurance provider, check out our comprehensive list of the best car insurance companies in the UK.

Frequently asked questions

• Do all Ford Fiestas have transmission problems?

  The launch of Ford’s PowerShift transmission, which essentially tried to combine the ease of an automatic transmission with the fuel efficiency of a manual one, caused many of the manufacturer’s models to become associated with transmission issues.

  The dodgy transmission even led to legal action against the car maker in the US, Australia and Canada. However, this issue is thought to only affect Ford Fiesta models from the years 2011-2016, and should not cause a problem with newer models.

• Which is the best Ford Fiesta engine?

  This varies depending on your requirements. The smallest engine available with a Ford Fiesta is a 1.0 Litre, with the size then increasing up to a 1.5 engine of varying strengths.

  If you want lower insurance premiums and better fuel efficiency, choose a smaller engine. If you have a need for speed, then go with one of the more powerful options, like the ST models.

  You can also choose between petrol and diesel engines, with different levels of performance.

• Is Ford Fiesta a reliable car?

  The Fiesta finished in 16th place (out of 22) in the small and city car class of whatcar.com’s 2020 reliability survey. That might seem pretty average, but the car did well percentage wise when compared with rivals.

  Ford as a brand finished in 18th place out of 31 car brands.

• Are Ford Fiestas good first cars?

  This will depend on the driver’s personal preferences, but the Ford Fiesta is considered to be a good first car.

  Depending on the model, a Ford Fiesta is usually not very expensive to buy or lease, has good economy and, when bought new, comes with generous warranties.

  Naturally, the models on the higher end of the scale will be more expensive to buy and repair, which will also make them more expensive to insure. But the more basic ones are in insurance groups 2 and 5, meaning annual insurance costs for them won’t be sky high.

• Is a Ford Fiesta cheap to run?

  Yes: all Ford Fiesta models have good fuel economy, especially those with mild hybrid technology, and servicing costs are low too.

• Does a Ford Fiesta use a lot of fuel?

  The most economical petrol Ford Fiesta for sale is the 100hp version of the 1.0-litre, which has a fuel economy rating of around 50.4mpg.

  On average, Ford Fiesta cars have the following fuel economy ratings:

  • Petrol engines: 40.4 – 57.6 mpg
  • Diesel engines: 54.3 – 65.7 mpg

• Is the Ford Fiesta being phased out?

  Sadly, yes: Ford will discontinue production of the Fiesta in June 2023.

Compare insurance for other Ford models

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Sources

1. What Car? Reliability Survey
2. Ford Fiesta running costs
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*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (June ’23). 51% of car insurance customers could save £488.46