Ford Fiesta ST-Line insurance cost UK 2026

Direct answer

How much does it cost to insure a Ford Fiesta ST-Line?

A typical 35-year-old pays around £710 a year for comprehensive cover on a Fiesta ST-Line 1.0 EcoBoost — roughly 18% above the UK comprehensive average of about £600 reported by the ABI and Confused.com, and about £38 more than the same-engine base Fiesta (£672 in our full Ford Fiesta insurance guide). Across the whole Fiesta range, Finder puts the average comprehensive premium at about £751.

The ST-Line sits where it does for three structural reasons:

• It is a styling pack, not a performance car. ST-Line means sports suspension, bodykit, spoiler and larger alloys over standard Fiesta engines — so Parkers lists it in groups 10–20 (Edition automatics dip to group 8), far below the 200 PS Fiesta ST’s groups 28–30.
• Engine choice moves the group more than anything. The 1.0 EcoBoost 100 is group 10, the 125 PS group 12, the 140 PS group 15, and the mild-hybrid 125/155 versions groups 17 and 20. The 1.5 TDCi diesel is group 9.
• Repair cost is higher than a basic Fiesta. The bodykit, bumpers and bigger wheels cost more to replace after a knock, and the higher list price lifts the insurer’s maximum payout — both factors Thatcham Research weighs when setting the group.

ST-Line vs other trims

Fiesta ST-Line insurance group by variant

Within the ST-Line family the engine decides the group. For context, the table also shows the cheapest standard Fiesta and the Fiesta ST performance model — both covered in the full Ford Fiesta insurance guide.

The takeaway: a like-for-like ST-Line costs only £30–£60 a year more than a Trend or Titanium, because insurers price the styling pack, not extra performance. The big premium jump in the Fiesta range only arrives with the genuine ST hot hatch, which roughly doubles the bill.

Save money

Cheaper alternatives — and how to cut ST-Line cover

If the ST-Line look matters more than the badge, the cheapest route is the ST-Line Edition 1.0 EcoBoost 100 automatic (group 8) or the manual 100 PS car (group 10) — identical bodykit, two to ten groups cheaper than the powerful versions. Beyond the Fiesta, several rivals undercut it:

• Volkswagen Polo — entry trims from group 1, among the cheapest cars in the UK to insure.
• Skoda Fabia — sensible groups and lower list prices than an equivalent ST-Line.
• Hyundai i20 — low-group supermini with a long warranty.
• Suzuki Swift — light, low-value and cheap to repair, so it sits in low groups.

Keeping the ST-Line instead? The usual levers work:

• Pick the 100 PS engine. Group 10 vs group 20 for the mHEV 155 is worth roughly £120 a year to a mid-life driver — and far more to a young one.
• Go telematics if you are under 25. A black box is often the single biggest saving on this trim for new drivers.
• Pay annually and build no-claims. Monthly instalments add 10–15%; five claim-free years typically halves the base premium.
• Declare the exact trim. Quote as “ST-Line”, not just “Fiesta” — the factory bodykit is standard equipment, not a modification, but the car must be rated as the right variant.
• Park off-road and compare at renewal. A driveway postcode and a whole-market comparison beat auto-renewal almost every year.

See how the Fiesta compares with every model we track in the UK car insurance cost index, or read what your group number means in our insurance groups guide.