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Ford Fiesta insurance UK 2026

A typical 35-year-old pays £672 a year to insure a Ford Fiesta 1.0 EcoBoost in 2026 — about 12% above the UK comprehensive average of ~£600. The Fiesta spans insurance groups 4–30: the 1.1 base sits in group 4, the volume 1.0 EcoBoost in groups 7–9, and the hot Fiesta ST in groups 28–30 at roughly double the standard premium. Seven UK insurers compared below.

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Direct Answer

What insurance group is the Ford Fiesta?

The Ford Fiesta spans insurance groups 4 to 30 (on the ABI 1–50 scale) depending on the generation and trim:

  • Fiesta 1.1 75bhp (entry trim, 2017-2023) — group 4
  • Fiesta 1.0 EcoBoost 100bhp (the volume seller) — group 7–9
  • Fiesta 1.0 EcoBoost 125bhp Titanium — group 11–13
  • Fiesta Active 1.0 EcoBoost (crossover trim) — group 12–14
  • Fiesta 1.0 EcoBoost mHEV 155bhp ST-Line — group 14–17
  • Fiesta ST 1.5 EcoBoost 200bhp — group 28–30

Production of the Fiesta ended July 2023 after 47 years and 22 million units sold globally. Insurance pricing remains broadly stable post-discontinuation because parts supply is excellent (Ford committed to 10+ years post-production support) and used demand keeps depreciation gentle. The Fiesta is consistently cheaper to insure than a comparable VW Polo or Mini, but a notch above the very cheapest group 1–5 city cars such as the Hyundai i10 and Kia Picanto.

The Mk8 (2017–2023) is the current secondhand sweet spot. The Mk7 (2008–2017) is in groups 3–15 — cheaper to insure than Mk8 but with worse safety ratings and slightly higher theft risk. If you are weighing the Fiesta against its larger sibling, see our Ford Focus insurance guide, which sits one to three groups higher trim-for-trim.

Premium Data · 2026

Ford Fiesta average UK premium by driver age and trim

Average annual comprehensive premium for a Ford Fiesta, UK postcodes, 2026 data. Quotes are for a typical city/suburban postcode; Inner London adds 18–25% (and can exceed £1,400 for 17–24 year-olds), while the South West and North East are cheapest.

Driver ageFiesta 1.1 base (group 4)Fiesta 1.0 EcoBoost (group 8)Fiesta ST (group 29)
17 years£2,440£2,840£4,930
18–20 years£1,735£2,010£3,760
21–24 years£1,190£1,370£2,560
25–34 years£790£915£1,710
35–49 years£580£672£1,255
50–69 years£452£518£970
70+ years£545£625£1,160

Sources: ABI Q1 2026 Motor Insurance Premium Tracker (UK average comprehensive ~£560–600); Confused.com Price Index Q1 2026; Thatcham insurance group ratings (Fiesta 1.1 base = group 4, 1.0 EcoBoost 100bhp = group 8, ST = group 29); composite quote data from seven UK volume insurers. Refresh: 2026-09-03.

UK Insurers Compared

Seven UK insurers compared for Ford Fiesta

Average quote for a 35-year-old driver, M21 postcode, Ford Fiesta 1.0 EcoBoost Titanium (2020), full comprehensive, 10,000 miles/year, 5 years no-claims discount. 2026 data.

LV

LV= (Liverpool Victoria)

Cheapest mainstream Fiesta insurer in 2026. Avg £620 standalone, £550 on multi-car. Strong on 1.0 EcoBoost variants.

~8% below avg · multi-car best
AD

Admiral

Avg £645 standalone, drops to £485 on multi-car policies. Best value for households with 2+ cars.

Multi-car champion
DL

Direct Line

Avg £660. Direct only (not on comparison sites). Strong on no-claims discount preservation across mid-life Fiestas.

Direct only · solid all-rounder
CH

Churchill

Avg £672 (market average). Bundled with Direct Line underwriting but distinct pricing approach.

Market average
HD

Hastings Direct

Avg £690. Aggressive on young-driver Fiesta quotes (17–24 age band typically 8–12% below mainstream).

Best for young drivers
AV

Aviva

Avg £715. Premium positioning but strong on agreed-value and additional benefits (courtesy car, breakdown).

Premium tier · best add-ons

Always run at least 3 quotes — the 2026 spread between cheapest and most expensive mainstream Fiesta insurer was around £95/year. Comparison sites cover all major Fiesta-friendly insurers except Direct Line. For the bigger picture on why prices sit where they do, read why car insurance is so expensive in the UK.

Why It Costs What It Costs

Three factors driving Ford Fiesta insurance pricing

Parts availability and repair cost

The Fiesta is the UK's most-driven supermini for two decades. Parts are everywhere — every body shop has Fiesta wing panels and bumpers in stock. Average repair cost for a low-speed collision: ~£700 (vs £1,200 for a Polo, £1,600 for a Mini). That said, repair inflation is biting market-wide: the ABI reported the average accidental-damage claim hit £3,699 in Q1 2026, up 8% on the previous quarter, driven by ADAS sensor and camera recalibration that can turn a £300 bumper job into a £1,500 invoice. The Fiesta's abundant parts supply keeps it firmly in the low/mid group range despite this.

Theft risk (mid-low)

Older Fiestas (pre-2010) were notorious for relay-attack theft due to weak immobilisers; the Mk7 onwards has stronger security. The Mk8 sits in Thatcham category 4 for security — well above average. Theft claims are now around 38% lower than the supermini class average, which is reflected in lower insurance group ratings vs comparable VW Polo and Vauxhall Corsa variants. UK-wide, theft remains a cost driver: ABI theft payouts hit a record £669m, up 35% in recent years, so insurers still reward cars that resist relay attacks.

Driver demographic mix

The Fiesta has historically been the #1 first car for new drivers — meaning the claims data is skewed by 17–22-year-old crashes. Insurers price this structurally rather than per-driver: every Fiesta carries a small "young-driver-prone" loading even if you're 45. This is partly why a 35yo Fiesta driver pays slightly more than a 35yo VW Polo driver (the Polo skews older). New drivers can claw much of this back with a black box — telematics saves new drivers around £379/year on average, and roughly 78% of 17–20s pay less with one fitted.

Common Questions

Ford Fiesta insurance FAQs

Ford Fiesta spans UK insurance groups 4 to 30. The 1.1 75bhp entry trim is group 4 (the cheapest mainstream Fiesta to insure). The volume 1.0 EcoBoost 100bhp sits in groups 7-9. The Fiesta ST 200bhp is groups 28-30 — roughly 2x the premium of a standard Fiesta. Active crossover trim sits in groups 12-14.
In 2026, a 17-year-old paying for their own Fiesta insurance averages: £2,440 for the 1.1 base; £2,840 for the 1.0 EcoBoost; £4,930 for the Fiesta ST. Black-box telematics typically saves 17-year-olds £350-£500/year on Fiesta cover, and around 78% of 17-20s pay less with one. The 1.1 base trim is the cheapest possible Fiesta to insure for a new driver — see our 17-year-old insurance guide for more.
For a supermini, the Fiesta sits at the cheap-to-mid range. The 1.1 base (group 4) is genuinely cheap to insure across all driver ages. The 1.0 EcoBoost (groups 7-9) is mid-range — slightly more expensive than a VW Polo of similar spec, slightly cheaper than a Mini Cooper. The Fiesta ST (groups 28-30) is expensive for a small car — pricing is on par with a BMW 1 Series base trim. It is dearer than a true group 1-5 city car like the Hyundai i10 or Kia Picanto.
In 2026 for a 35-year-old M21 postcode driver: LV= averaged £620 standalone (cheapest mainstream). For multi-car households, Admiral drops to £485. For young drivers, Hastings Direct is typically 8-12% below market. For 50+ drivers, Saga (not in the comparison table above) often comes in around £420 — cheapest in market for over-50s Fiesta owners. Always compare at least three quotes, as the cheapest-to-dearest mainstream spread was about £95/year.
Yes — the Fiesta ST (groups 28-30) costs roughly 2x the premium of a standard 1.0 EcoBoost for the same driver. A 25-year-old paying £915 for a 1.0 EcoBoost pays around £1,710 for the ST. The ST also has a much narrower insurer panel — many mainstream insurers refuse to quote drivers under 25 on the ST. Modifications declarations are scrutinised heavily; aftermarket exhausts/intakes can void cover with most insurers.
Slightly. Mk7 Fiestas sit in insurance groups 3-15 — averaging 1-2 groups below the equivalent Mk8 trim. The Mk7 is cheaper for two reasons: lower replacement value (used Mk7 prices £2,500-£6,500 vs Mk8 £6,000-£14,000) and simpler repair (no integrated infotainment, no ADAS to recalibrate). However, Mk7 theft rates are around 22% higher than Mk8 due to weaker immobiliser security, which offsets some of the saving.
No — pricing has stayed broadly stable, and across 2026 it has tracked the wider market down from the 2024 peak. Ford committed to 10+ years of parts production support post-discontinuation, so repair costs haven't spiked. Used demand actually went up after production ended (Fiesta became the last of the line), which kept depreciation gentle and group ratings unchanged. Insurers have not flagged the Fiesta for special pricing treatment despite its discontinued status.
The Fiesta is generally the cheapest of the three. A like-for-like Ford Focus sits one to three insurance groups higher and typically costs 8-15% more to insure; see our Ford Focus insurance guide. A Volkswagen Golf is higher still on most trims, with a similar premium gap; see our Volkswagen Golf insurance guide. The Fiesta's smaller engines, lower repair costs and abundant parts keep it the value pick of the mainstream hatchback class.
Yes — and significantly. The Fiesta has the largest aftermarket modification scene of any UK supermini, with extensive ST and Zetec S mod cultures. Any modification (alloys, suspension, exhaust, intake, ICE, body kit) must be declared. Mainstream insurers reject many modified Fiestas outright; for any non-trivial modification, expect to use a specialist broker (Adrian Flux, Sky Insurance, Performance Direct) at 30-80% above standard rates. Stock-spec Fiestas are easily insurable; modified ones are a specialist underwriting category.

Our sources

  • ABI Q1 2026 Motor Insurance Premium Tracker — UK average comprehensive premium (~£560–600) and £3,699 average accidental-damage claim (+8% q/q)
  • Confused.com Price Index Q1 2026 — prices ~9% lower year-on-year; regional spread (Inner London ~£1,093 vs South West ~£492)
  • Thatcham Research — Ford Fiesta insurance group ratings by trim (base group 4, EcoBoost group 8, ST group 29)
  • Ford UK — vehicle specifications and 10+ year parts-support commitment
  • Car Insurance Expert quote-data composite — 2026 sample from seven UK volume insurers
  • DVLA — vehicle registration data (Fiesta volume share)

Reviewed by the Car Insurance Expert editorial team

Premium figures are a composite of seven UK volume insurers benchmarked against the ABI and Confused.com 2026 indices; Thatcham group ratings are checked against current Group Rating Panel determinations and reviewed quarterly by the Car Insurance Expert editorial team.

Last updated: 2026-06-03 · Next scheduled review: 2026-09-03