The Ford Fiesta has been one of the UK's most popular cars for decades. With insurance groups spanning from 2 to 31 depending on engine and trim, the cost of cover varies considerably between variants. Whether you drive a 1.0 EcoBoost or an ST, comparing quotes is the quickest way to see what's available for your specific model.
Reviewed by MySupermarketCompare Editorial Team
This page is for UK drivers who own or are considering a Ford Fiesta and want to understand how insurance works for this particular model. That includes:
The Fiesta's wide insurance group range means your premium depends heavily on which variant you drive. Understanding these differences helps you make informed decisions when buying or renewing.
Insurance groups in the UK run from 1 (lowest risk, typically cheapest) to 50 (highest risk, typically most expensive). Groups are set by the Thatcham Research Group Rating Panel based on factors including repair costs, performance, and safety features. Ford Fiestas span a considerable range because the model line includes everything from economical city cars to performance-focused hot hatches.
These ranges are indicative. The exact group for your Fiesta depends on the model year, specification, and any factory-fitted options that affect repair costs or performance. You can check your specific vehicle's group using our insurance group checker.
Beyond the insurance group, several factors influence what you'll pay to insure a Fiesta. The Association of British Insurers (ABI) notes that vehicle type is one of the most significant rating factors, alongside driver age and postcode. Insurers assess risk based on your personal circumstances combined with vehicle-specific considerations.
The Fiesta's popularity with younger drivers affects how insurers view the model. Claims data for similar driver profiles influences pricing, which is partly why a 19-year-old may pay significantly more than a 40-year-old for the same car.
Ford ended Fiesta production in July 2023, so all new purchases are now pre-owned vehicles. This doesn't affect your ability to get insurance. With over 1.5 million Fiestas still on UK roads, insurers continue to underwrite them routinely.
When insuring a used Fiesta, consider:
If you're buying from a dealer, they may offer short-term driveaway cover. For longer arrangements, see our guide to temporary car insurance.
The Fiesta has long been a first-car favourite. Its compact size, fuel efficiency, and range of lower insurance group variants make it accessible to newly qualified drivers. However, this popularity also means insurers have substantial claims data for young Fiesta drivers, which can push premiums higher.
If you're a younger driver considering a Fiesta:
For age-specific guidance, see our pages for 17-year-olds, 18-year-olds, or our broader young drivers overview.
The Fiesta ST sits in insurance groups 28-31, reflecting its 200PS turbocharged engine and performance-oriented specification. Insuring an ST costs more than standard Fiestas for several reasons beyond raw power.
Insurers consider:
If you own or are considering an ST, you may want to explore high-performance car insurance options. Providers who specialise in performance vehicles may offer more competitive rates than generalist insurers.
The Fiesta's popularity in the modifying community, particularly the ST, means many cars have aftermarket changes. Any modification from factory standard must be declared to your insurer, even if it seems minor.
Common modifications that affect insurance:
Failure to declare modifications can invalidate your policy entirely. If a claim arises and undisclosed changes are discovered, you may not receive a payout. Some modifications may require specialist modified car insurance.
Ford Fiesta insurance groups range from 2 to 31 depending on the model, engine size, and trim level. Entry-level models like the 1.1 Ti-VCT typically sit in groups 2-6, while performance variants like the ST can reach groups 28-31.
Many Ford Fiesta models are relatively affordable to insure, with base models in lower insurance groups. However, costs vary significantly based on your age, location, driving history, and the specific Fiesta variant. Younger drivers and those with ST models typically pay more.
Yes. Ford ended Fiesta production in July 2023, but with over 1.5 million still on UK roads, insurers continue to offer cover. Parts availability and repair costs may become factors over time, but currently most providers cover Fiestas of all ages.
The Fiesta is popular among newly qualified drivers, who statistically represent higher risk. Insurers price based on claims data for similar driver profiles. Younger drivers may find telematics policies or being a named driver on a parent's policy helps reduce costs.
Yes. Any modifications must be declared to your insurer. Changes to engine performance, suspension, bodywork, or wheels can affect your premium and may limit which providers will offer cover. Some modifications could void your policy if undisclosed.
Whether you drive a 1.0 EcoBoost or a Fiesta ST, comparing quotes helps you see real options based on your specific details.
Compare Quotes NowImportant information: MySupermarketCompare is a UK-based comparison website. We are not an insurer and do not provide insurance products directly. Cover is provided by third-party insurers, and availability, pricing, and eligibility criteria vary by provider. Always check policy documents for full terms and conditions before purchasing.
We may receive a commission from providers when you purchase through our links. This does not affect the price you pay or the order in which quotes are displayed.
Last reviewed: February 2026
Get tips, guides, and exclusive offers for the insurance types you're interested in