Fiesta Auto Insurance is a regional agency that works with more than 40 different insurance companies to offer customers affordable rates. The company specializes in serving the Latino community, with many agents fluent in Spanish. 

Our team of experts wanted to see how Fiesta Auto Insurance measured up to some of the country’s best car insurance companies, so we conducted an in-depth review of the provider’s rates, plans, and customer and industry reviews.

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In This Review:

    Fiesta Auto Insurance Cost And Discounts

    Fiesta Auto Insurance offers its customers extremely affordable ratesas low as $1 per day for some. The company is also known for providing insurance to high-risk drivers at relatively affordable rates. 

    Your rates will vary depending on information about you and your vehicle. Like all insurance providers, Fiesta determines custom rates for each driver. The best way to find out how much you’d pay is to reach out to an agent for a free quote or request one online.

    Here are some of the factors that can affect your car insurance rates:

    • Driving history: You’ll get the best rates if you have a clean driving record. Any accidents or traffic violations will lead to higher rates.
    • Age: Senior drivers and young driversespecially teenspay the highest rates for car insurance.
    • Credit history: If you have a bad credit score, you’ll likely pay more for car insurance than people with a strong credit history.
    • Location: Different states have different rates. Even within states, rates may change from one location to another. Drivers in urban areas often pay more for car insurance than those in rural areas.
    • Vehicle type: Cars that cost more to buy also tend to cost more to insure. Vehicles that are statistically more likely to be stolen also usually come with higher insurance rates.

    Fiesta Auto Insurance Discounts

    Since Fiesta Auto Insurance is a broker and not a direct provider, it is not able to offer any discounts itself. Instead, you’ll have access to whatever discount programs the provider you choose has available. 

    These are some of the most common discounts car insurance companies offer:

    • Good driver discount: If you can stay accident-free and avoid any traffic violations for a set period of time, many companies will discount your rates.
    • Multi-policy discount: Most companies will discount your premiums if you insure more than one vehicle with them.
    • Safe driving discount: Some companies offer you a discount for completing an approved defensive driving course. 
    • Safety equipment discount: If you have safety features such as passenger-side airbags or blind spot detection, some companies will lower your premiums.
    • Bundling discount: Many companies offer other kinds of insurance such as renters insurance, homeowners insurance, or life insurance. If you bundle one or more of these policies under the same company as your auto insurance, you may get a discount.

    Fiesta Auto Insurance Coverage

    As a broker, Fiesta Auto Insurance gives you access to coverage and insurance policies from dozens of providers. Most of these providers offer policies ranging from plans that only satisfy the state minimum coverage requirements to full coverage and comprehensive insurance plans.

    Liability

    Bodily injury (BI) liability insurance covers the medical expenses for other drivers and their passengers after an accident where you are at fault. Property damage (PD) liability insurance pays for damages to other drivers’ vehicles after an accident where you are at fault.

    Collision

    Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or in the case that you flip your vehicle.

    Comprehensive

    Comprehensive insurance pays for damages to your own vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it is stolen or vandalized.

    Medical Payments

    Medical payments (MedPay) covers medical bills for you and your passengers after an accident.

    Personal Injury Protection

    Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for other expenses such as lost wages.

    Uninsured/Underinsured Motorist

    Uninsured/underinsured motorist coverage pays for damages to your vehicle if you are hit by another driver who does not have insurance or does not have enough insurance to fully pay for the cost of damages.

    Additional Fiesta Auto Insurance Coverage Options

    Again, as a broker, Fiesta does not offer any add-ons or options itself. The additional coverage options available to you will depend on the offerings of the actual insurance company you choose.

    Here are some of the additional coverage options you might find through Fiesta Auto Insurance:

    Roadside Assistance

    These days, most insurance companies offer some kind of roadside assistance package. This usually gives you access to free or very discounted services like lockout service, towing, and jump-starts.

    Rental Car Reimbursement

    You can choose to buy additional coverage to pay for a rental car in case your vehicle isn’t driveable after an accident.

    Non-Owner Insurance

    If you frequently drive vehicles that you do not own, a non-owner policy can cover you and others in case of an accident.

    Rideshare Coverage

    Plan to use your car to drive for a service like Uber or Lyft? Most companies require you to buy separate insurance to cover increased use and risks.

    ATV or Motorcycle Insurance

    Many companies insure specialty vehicles like ATVs or motorcycles. Make sure to ask your insurance agent to help you find coverage if you need it.

    Fiesta Auto Insurance also offers a service that most insurance companies don’t. In addition to brokering insurance policies, the company also offers tax preparation services. This may be a valuable service to people who need help with their tax returns. 

    Fiesta Auto Insurance Usage-Based Insurance

    Usage-based insurance allows you to pay only for the coverage you use. It usually does so by charging a per-mile fee. This is a great way for people who are retired, work from home, or work as a stay-at-home parent to save money on their car insurance premiums.

    Depending on where you live, your Fiesta Auto Insurance agent can help you find usage-based insurance coverage if it’s a good fit for you. Make sure to mention your driving habits or work situation when you reach out to get a quote.

    Fiesta Auto Insurance Mobile App

    Some companies have launched mobile apps to make things like paying your premiums or filing and tracking a claim easier. But based on what we saw on the Fiesta Auto Insurance website, Fiesta itself does not have a mobile app.

    However, the company that you do sign up with may have one. If this feature is important to you, make sure to mention it to your Fiesta insurance agent. With over 40 partner providers, Fiesta Auto Insurance can almost certainly find one that offers its own mobile app.

    Fiesta Auto Insurance Reviews

    Better Business Bureau (BBB) rating: A+
    BBB complaints in last three years: 0

    Both customer and industry ratings are hard to find for Fiesta Auto Insurance. This is likely due to the company’s business model as a broker and not a direct provider, as people may review their provider instead. 

    The reviews our team could find are mixed. Some report a very positive experience with no complaints. Others have one or more grievances with the company.

    Positive Fiesta Auto Insurance Customer Reviews

    Customers who report a positive experience with Fiesta Auto Insurance consistently mention helpful service and low rates.

    “I was in the market for car insurance, I had called around prior to contacting Fiesta Insurance. [Agent] was super friendly and helpful, she was able to get me the lowest rate possible and made the whole process a breeze.”
    – Jenny S. via Yelp

    “We were helped by Nancy. She was super helpful and found us insurance through a company for about 180 a month. This was a deal because he was getting quoted $400+ elsewhere. The whole process was about 30 minutes! You are even able to make your payments directly through Fiesta for convenience.”
    – Theresa A. via Yelp

    Negative Fiesta Auto Insurance Customer Reviews

    Not everyone reports a positive experience with Fiesta Auto Insurance. Negative reviews tend to cite communication issues with customer service representatives as a major problem.

    “These guys failed to notify [provider] of my address change after calling them twice to do so. My insurance was cancelled after two months due to non-notification. Fiesta hasn’t returned any of my 12 phone calls this week.”
    – Scott C. via Yelp

    “I wanted a refund from my second vehicle that I put on my policy with another vehicle which I ended up finding a better deal with someone else so I had insurance with my second vehicle for only nine days and they refused to give me any of my money back!”
    Lisa via Consumer Affairs

    Fiesta Auto Insurance Rating: 3.5 Out Of 5.0

    Fiesta Auto Insurance offers a number of benefits. As a Spanish-speaking insurance agency, it scores high for its accessibility to the Latino community and others who are more comfortable working in Spanish. The company also offers good coverage options at affordable rates for high-risk drivers.

    However, as the company only operates in 12 states, it isn’t available in most parts of the U.S. Customer reviews are mixed, indicating that the level of service may be inconsistent between different franchisees. In addition, some drivers may find the broker relationship more difficult to navigate than going straight to a provider.

    For drivers in the states in which Fiesta Auto Insurance makes itself available and who want help finding the cheapest car insurance rates or best auto policy options, the company could be a good fit. Other drivers may be able to find better rates, coverage, and service elsewhere.

    Cost

    3.0

    Coverage

    3.5

    Reliability

    3.0

    Service

    4.0

    Overall Rating

    3.5

    About Fiesta Auto Insurance

    Founded: 1999
    States available: California, Colorado, Florida, Georgia, Illinois, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, Tennessee, Texas
    Insurance types: Auto, home, business, rental property, boat, motorcycle

    Fiesta Auto Insurance got its start in 1999 as an insurance broker. It offers auto, home, and business insurance through local agents in 12 states throughout the U.S., providing access to over 40 insurance companies. It is known for offering good coverage options at affordable rates to high-risk drivers.

    Other Recommendations For Car Insurance

    Fiesta Auto Insurance may be a great option for people who live in the areas it serves. But for drivers in other states or those who prefer to work directly with an insurance provider, our team of experts found these providers to be among the best car insurance companies in the country.

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    Progressive: Best Usage-Based Insurance

    Progressive scored high in nearly every category in our in-depth review. Our team found that the company has many strengths, but we rated it as the Best Usage-Based Insurance due to its affordable per-mile rates and customer service. Reviews indicate that the company is a great choice for people who work from home or don’t drive much. However, the company’s strong showing in all of our categories means it can be a good option for just about anyone.

    Read our Progressive insurance review to learn more about the provider.

    Geico: Best Overall Provider

    In our review of the top insurance companies, Geico had a near-perfect score across all categories. As a result, we rated Geico as the Best Overall Provider. The company has a wide range of coverage options and discounts, and Geico insurance reviews consistently mention an easy claims process and good communication. Due to its availability in all 50 states, Puerto Rico, and Canada, Geico is worth considering for almost any driver.

    For more information about the insurer, check out our Geico insurance review.

    Fiesta Auto Insurance FAQ

    • Can I pay for Fiesta Auto Insurance online?

      Some reviews mention the ability to pay for Fiesta Auto Insurance premiums online. However, the FiestaInsurance.com website does not seem to have this feature. Since Fiesta is a broker, you may be able to pay your insurance bills online directly through your provider.

    • Where is Fiesta Auto Insurance available?

      Fiesta Auto Insurance is available in the following 12 states: California, Colorado, Florida, Georgia, Illinois, Missouri, Nevada, New Mexico, Ohio, Pennsylvania, Tennessee, and Texas.

    How We Rate Insurers

    Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

    • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
    • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
    • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
    • Service: We comb through customer reviews on sites like the BBB to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.

    *Data accurate at time of publication.