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. A large reason for this is that it combines affordabilty with quality.

Insurers use a group rating system to help determine your premium – all cars get assigned a group, from 1 (cheapest) to 50 (most expensive). Ford Fiesta models fall anywhere from group 2 to group 16, meaning the cost of insurance for your Ford Fiesta could vary quite a bit. For example, a 30-year-old driver in an average postcode could pay around £582 for cover on a Ford Fiesta Style 1.1 Ti-VCT 70PS 5d, or around £791 for a Ford Fiesta X Edition 1.0T EcoBoost 140PS 5d.

You can find the insurance group of your Ford Fiesta model, and how much you’re likely to pay for insurance, using the table below.

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)

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Average Ford Fiesta insurance cost in the UK

To give you an indication about how much it would cost to insure your Ford Fiesta, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your Ford Fiesta with comprehensive cover for monthly payments of £63.77 or an annual sum of £688.56.

• How we got this rate

  To generate these figures we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a car park during the day
  • The car is parked on a driveway at night
  • Driver is a 30-year-old teacher from London
  • Five years no claims discount
  • Driver has not had any driving or other convictions in the last 5 years

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

Ford Fiesta insurance cost by location

While the table above shows the average cost of insurance for various Ford Fiesta models based on insurance group and the age of the driver, there are other things that affect the cost of your premium, including your job and marital status. Where you live also has big impact on your insurance rate.

To show 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 factors affect my Ford Fiesta insurance rate?

Along with your car’s insurance group, these three factors have the biggest impact on the cost of your insurance:

• Engine type and capacity. The larger your engine, the more you’re likely to pay for insurance. 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.
• Driver location. Insurers factor in the likelihood that your car will be stolen or involved in an accident when calculating your insurance, and your location has a big impact on this. As an example, a 30-year-old in central London will pay £846 for insurance for a ST-Line Ford Fiesta Edition 1.5 TDCi 85PS 3d, while the same 30-year-old in Newcastle may only pay £711.
• Driver age.. Like location, the age of the driver plays a huge role in determining the cost of your insurance premium. The average 20-year-old driver in London could pay £1,358 for the Ford Fiesta Trend 1.1 Ti-VCT 85PS 3d, while the average 40-year-old Londoner will only pay £711.

However, there are a lot of other factors that can also impact the price of your premiums. These include:

• Your marital status
• Your credit history and job
• Your car’s safety rating, security and anti-theft precautions
• The model and age of your car
• Annual miles driven
• Your driving history
• 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 to 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 anothers’ 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.
Review your provider each year. It’s always worth seeing whether another provider is offering the same or a similar policy at a cheaper price.

How can I save on my Ford Fiesta premiums?

Car insurance costs can sometimes be a bit of a headache, so it’s understandable that you would want to find the best deal at an affordable price that won’t leave you completely out of pocket. For your Ford Fiesta premiums, there are a number of things that you could try to lower your costs. These include:

• Avoid any driving convictions. It may sound obvious, but having convictions on your record will hike up your premium.
• Be economical about your car usage. You could save money on your insurance by being more sparing with your car usage. Opting for public transport or walking when you can will help keep your mileage, and premiums, lower.
• Pay annually rather than monthly. By paying annually, you could save £76.68 on average – a year!
• Install extra safety precautions. The safer you make your car, the better your premium will be. By investing in extra safety features, your vehicle will be more secure and less of a risk to insure.
• Don’t just accept your renewal quote. When it’s time for renewal, make sure you shop around – don’t just settle for the renewal price given to you!

Ford Fiesta facts

The Ford Fiesta is one of the most common cars on UK roads, having first hit local roads in 1976.

• The Ford Fiesta was the winner of the Top Gear Supermini of the Year Award 2017, and the UK’s all-time best-selling car.
• The Ford Fiesta’s working title was the ‘Bobcat’.
• A Ford Fiesta is made on average every 86 seconds.
• A Ford Fiesta once clocked 108mpg on average over 340 miles to make it the champion of the UK’s annual MPG marathon.

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.

Which is the most economical Ford Fiesta?

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

How safe is the Ford Fiesta?

Ford Fiesta’s 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.

As previously mentioned, the safer your car is, the better your premium will be. As standard, Ford Fiesta’s 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!

Ford Fiesta’s come with an array of technology designed specifically to keep you and your car protected. 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, and Brake Assist helps you stop quicker. Ask your insurer which safety features could result in lower premiums.

Bottom line

Ford Fiestas are no doubt popular and with most falling into an insurance group from 2 – 16, you should be able to find comprehensive cover at an affordable price.

However, don’t forget that other factors do affect your insurance premiums such as your age, where you live, your driving history and the insurer you select.

If you’re wondering which insurers to get quotes from, check out our rundown of the best car insurance companies.

Frequently asked questions

• How much is insurance on a Ford Fiesta ST?

  The cost of car insurance is affected by a range of personal factors, like your age, driving experience, location and even what you do for a living.

  The make and model of your car also have an effect. Generally speaking, ST models tend to cost more to insure than most standard models, as they have stronger engines and can hit faster speeds.

  Our research found that the cheapest ST Ford Focus model to insure is the ST-Line Edition 1.0T EcoBoost 100PS. A 30-year-old driver will pay an average of around £700 for an annual policy. The most expensive model is the ST-Line Edition X 1.0T EcoBoost 140PS, which will cost a 30-yea-old driver an average of £791 to insure for the year.

• 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, Australian 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.

• How safe is the Ford Fiesta?

  The Ford Fiesta was awarded 5 stars out of 5 under the Euro NCAP safety analysis. Ford Fiesta models average across the board with 87% on adult occupant safety and 84% for child occupant safety.

Compare insurance for other Ford models