Fiesta Insurance Review 2020: Home & Car

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Fiesta Insurance was founded in 1999 and is headquartered in Las Vegas, Nevada. The company sells a variety of insurance products, including home and auto insurance, through a network of more than 40 insurance carriers. Fiesta does not underwrite its own insurance policies.

One of the most unique aspects of Fiesta Insurance is that the company caters primarily to the Latino community. Customers can browse the Fiesta Insurance site in English or Spanish, and most Fiesta Insurance agents are bilingual.

Fiesta Car insurance

Fiesta Insurance does not include detailed information online about its car insurance policies, nor does it disclose which companies it partners with. However, the company claims that its car insurance policies are affordable. Drivers who qualify for Fiesta auto insurance can purchase a policy for just $1 per day. Drivers can apply for a personalized rate quote online and receive multiple price estimates based on the coverage available in their area.

Types of coverage

Fiesta auto insurance coverage is sold through third-party insurance companies. Some of the most common car insurance coverages that might be available include:

  • Full coverage insurance: Full coverage car insurance includes collision, comprehensive, liability and medical payments coverage. In some states, uninsured/underinsured motorist coverage is also included.
  • Personal Injury Protection: Personal Injury Protection (PIP) is required in no-fault states. It covers a driver’s medical expenses and lost wages after an accident.
  • Roadside assistance: Roadside assistance covers towing, tire replacement, battery services, fuel delivery and more.
  • Rental car reimbursement: Rental car reimbursement pays for a rental car if the driver’s vehicle is damaged and needs repairs following a covered claim.
  • Gap insurance: If a driver has a leased or financed vehicle, gap insurance pays the difference between the car’s value and the remaining loan balance if the car is totaled.

Check directly with Fiesta to see what it offers from the above list.


Fiesta does not include information about car insurance discounts online. Here are some common discounts that might be available through its partners:

  • Claims-free
  • Policy bundling
  • Multi-vehicle
  • Defensive driving course
  • Good student
  • Vehicle safety features

Fiesta home insurance

Prospective customers will not find much information about Fiesta home insurance online. Fiesta sells home insurance through a network of providers, so the specifics of every policy are different based on who the insurance underwriter is. However, Fiesta advertises affordable home insurance coverage and top-rated customer service in both English and Spanish.

Types of coverage

Fiesta home insurance coverage depends on the provider that underwrites the policy. Some of the most common home insurance coverages include:

  • Standard coverage: Basic home insurance policies include dwelling, personal property, liability, medical payments and loss of use coverage.
  • Scheduled personal property coverage: This add-on coverage offers increased coverage limits for valuables, like art and jewelry.
  • Sump pump coverage: This add-on coverage pays for repairs if a sump pump gets clogged and causes water damage in the home.
  • Flood insurance: Flood insurance can be sold as a standalone policy or an endorsement. It covers flood damage to the dwelling and personal items.


It is likely that Fiesta’s home insurance partner companies offer discounts. Potential discounts available include:

  • Policy bundling
  • New home
  • Security system
  • Smoke alarms and fire extinguishers
  • Claims-free
  • Loyalty
  • Gated community

Again, check directly with Fiesta about what discounts may be available.

Fiesta ratings, reviews, customer satisfaction and complaints

Fiesta insurance ratings are difficult to find. The company is not rated by J.D. Power, AM Best or the National Association of Insurance Commissioners (NAIC).

Reasons why Fiesta is a great option

Fiesta is a good option for Spanish-speaking individuals who are shopping for homeowners or auto insurance. Fiesta has resources in English and Spanish, and it offers live agent customer service in both languages. This is the biggest advantage of Fiesta Insurance.

Because Fiesta Insurance sells policies through a partner network, it can also be a good option for consumers who do not want to shop around on their own and compare providers. Customers fill out a single application that shows them several different policy options and quotes, which can simplify the process.

The major disadvantage of Fiesta is that the company’s website lacks important information about the policies it sells. It also does not mention which companies it works with. Individuals who are looking for specific coverages or discounts will not know what their options are until they speak with a customer service agent.

Additional policies offered by Fiesta

In addition to home and auto insurance, Fiesta also sells business insurance. The business policy offerings include:

  • Business liability insurance
  • General liability insurance
  • Tenant occupied property insurance
  • Commercial property insurance
  • Commercial general liability insurance
  • Workers compensation insurance
  • Bonds

Frequently asked questions

What is the best auto insurance company?

Car insurance is personalized, and the best auto insurance company is different for every driver. Some drivers are looking for the cheapest provider, and others are looking for a provider with great customer service or special discounts. Some of the providers that Bankrate recommends include State Farm, Geico, Amica, USAA and Allstate.

What is the best home insurance company?

Some of the best home insurance companies are Amica, Allstate, USAA, Lemonade and Liberty Mutual. However, homeowners should shop around and compare providers based on their unique needs.

Is Fiesta Insurance expensive?

Fiesta Insurance does not disclose its prices online. Because Fiesta sells insurance through a network of partners, the policies are priced by the underwriting company, not Fiesta. Home and auto insurance rates vary based on a number of factors, including ZIP code, age, credit score, claims history, the type of coverage, the amount of coverage and the deductible.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as, The Simple Dollar, and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.