WHY YOU CAN TRUST JERRY
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On average, Fiat drivers can expect to pay $2,419 per year for car insurance. Still, there are a lot of factors that influence the final insurance price, including things like your location, your Fiat model of choice, and your driving record.
Unfortunately, finding the cheapest insurance isn’t as simple as finding one company with the best rates for every Fiat model. If you drive a Fiat Spyder and want full coverage, for example, you’ll have to pay quite a bit more than someone who drives a Fiat 500 S and has the minimum coverage required by their state.
With such a variety of policy options, how do you find car insurance that’s right for you?
It’s easier than you might imagine—just use Jerry. Jerry is a licensed insurance broker and trusted comparison tool for car owners that can take the guesswork out of insurance shopping by collecting quotes for you. In this article, we’ll discuss some of the factors drivers should consider to find the right policy.
How much does Fiat car insurance cost?
The short answer: the average Fiat has an annual insurance cost of $2,419. However, there are a lot of factors that impact auto insurance costs, so this might not reflect how much you’ll actually pay to insure your car.
Overall, Fiat drivers are often surprised that such a small car can cost so much to insure. Here are a few of the factors that may drive up the price of Fiat insurance:
- Fiat is a brand that largely sells compact cars. While this might seem good for your car insurance rates, compact cars are more expensive to insure than many SUVs because they are more likely to be involved in an accident and sustain major damage.
- The reliability rating of a vehicle will have a big impact on its insurance rates. Unfortunately, the Fiat brand has a poor average reliability rating, meaning higher average insurance rates.
- Some models, like the 2007 Fiat 500, have great safety ratings. As a brand, however, Fiats have low average safety ratings. This causes higher insurance rates due to the increased risk of an accident. If your Fiat has lots of safety features, on the other hand, this could bring your insurance costs down!
If you own an older Fiat, for example, you might see lower rates because the value of your vehicle depreciates over time.
As such, the only way to be certain that you’re getting the best deal is to compare quotes from multiple companies. While it is possible to collect and compare quotes on your own, it’s much easier to use a tool like Jerry to complete this process. Once you take a 45-second survey to tell Jerry more about your needs, the app will compare rates from over 55 insurance companies to find the best options for you in minutes—not hours, days, or weeks.
You don’t have to take our word for it, though! Check out this table to learn more about the types of quotes you might see when using Jerry, and read some of our customer reviews, too.
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| July 27, 2022 | Fiat 500 Sport | $215/mo. | $186/mo. | Orlando, FL | 32807 | Myrtie G. | 58 | Progressive |
| July 5, 2022 | Fiat 500 Pop | $72/mo. | $61/mo. | Huntsville, TX | 77340 | Sophie H. | 27 | Electric |
| August 30, 2021 | Fiat 500 Pop | $114/mo. | $61/mo. | Clarksville, TN | 37040 | Jennie S. | 31 | Progressive |
| October 24, 2020 | Fiat 500 Lounge | $147/mo. | $134/mo. | Kansas City, MO | 64105 | Inez H. | 32 | Progressive |
| April 10, 2020 | Fiat 500 Pop | $110/mo. | $60/mo. | Ocala, FL | 34471 | Theodore H. | 37 | Infinity |
How much insurance do you need for a Fiat?
The amount of insurance that’s right for you will depend on a lot of different factors, but at the very least, you’ll need to purchase your state’s minimum required auto insurance.
A minimum coverage plan will typically include liability insurance (both bodily injury liability and property damage liability), but some states require more coverage than that. Depending on where you live, you may need to purchase one or more of the following:
- Uninsured/underinsured motorist coverage: This policy covers you if you get into an accident with someone who doesn’t have enough liability insurance to cover your expenses.
- Personal injury protection (PIP): This one will be required in no-fault states! PIP covers your medical expenses no matter who was at fault in a car accident.
- Medical payments (MedPay) coverage: This type of insurance covers certain medical expenses for you and your passengers.
Legally, you can stop after you meet your state’s minimum requirements. If you want a full-coverage policy, however, you’ll need to add on collision and comprehensive coverage.
Collision coverage protects your vehicle if you get into an accident, while comprehensive coverage protects your vehicle from damages not related to a collision. Both of these types of insurance are very important if you plan to drive your vehicle regularly, so it’s a good idea to get full coverage for most vehicles.
Fiat insurance costs by model
The model you drive has a big effect on the insurance price for most car brands. Since Fiat is a compact car company, most of their models have similar insurance rates.
Still, different Fiats come with different insurance rates, and shopping by model can help you get a better idea of how much you’ll be paying. Let’s take a look at some of the most popular Fiat models, as well as their average policy prices.
How much does Fiat 500 insurance cost?
The 500 is one of the most affordable Fiat models to insure.
Of course, other factors might impact your insurance rates, too. Your driving record, for example, plays a huge role in determining how much your insurance will cost, since it helps insurers gauge whether or not you’re a risky driver.
Check out the following table to learn more about how your driving record can change the cost of your Fiat 500 insurance:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2018 Fiat 500 Sport | $1,860 | $1,643 |
| 2017 Fiat 500 Sport | $2,243 | $796 |
| 2015 Fiat 500 Sport | $1,438 | $1,315 |
| 2014 Fiat 500 Sport | $756 | $990 |
For more information, take a look at our in-depth guide to Fiat 500 insurance costs!
How much does Fiat Spider insurance cost?
On the other hand, the 124 Spider is one of the most expensive Fiat models to insure. This is partially because it is one of the most expensive Fiat models.
However, the Spider also has a higher horsepower than most Fiats and can therefore reach higher speeds. This increases your risk in the eyes of a car insurance company and therefore raises your rates.
For a car like this, things like your age and driving record will have a big impact on your rates. Younger drivers are considered more likely to drive dangerously in a fast car, and people with spotty driving records may find that insurance for a Spider costs a little more.
To better understand how much you could be paying for Fiat Spider insurance, take a look at this table.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2018 Fiat 124 Spider Classica | $1,860 | $1,643 |
| 2017 Fiat 124 Spider Classica | $2,243 | $796 |
| 2015 Fiat 124 Spider Classica | $1,438 | $1,315 |
| 2014 Fiat 124 Spider Classica | $756 | $990 |
For more information, check out our in-depth guide to Fiat 124 Spider insurance costs!
How much does Fiat 500 X insurance cost?
The most expensive Fiat model currently available is the Fiat 500 X. While this vehicle is more expensive than other models, it also comes with a lower average annual insurance rate due to its great safety ratings.
There are also quite a few different trim level options for the 500 X, some of which have features that may affect your car insurance rates. The 500 X Trekking, for example, is much more expensive than the base model 500 X.
To learn more about how much you might pay for insurance depending on your vehicle’s trim, check out the table below.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2018 Fiat 500X Easy | $1,860 | $1,643 |
| 2017 Fiat 500X Easy | $2,243 | $796 |
| 2015 Fiat 500X Easy | $1,438 | $1,315 |
| 2014 Fiat 500X Easy | $756 | $990 |
For more information, take a look at our in-depth guide to Fiat 500 X insurance costs!
Compare Fiat insurance costs
It’s not difficult to find car insurance quotes online and compare them on your own, but it can be time-consuming—and frustrating.
That’s why Jerry is such a helpful tool for insurance shopping. Download the app to gain access to a customized list of quotes from the best insurers for your Fiat. All you have to do is compare rates and choose your favorite.
The best insurance company for your Fiat
Fiat drivers have found great rates at State Farm and Progressive, but overall, there is no one insurer that offers the best rates on Fiat insurance.
Since auto insurance shopping is so individualized, finding the lowest rates isn’t as simple as choosing a popular insurer. While one company might have the best starting rate, another might offer discounts that make your annual premium even lower.
As such, it’s essential to collect a few quotes and compare rates before settling on an insurer for your new Fiat. That’s where Jerry comes in. Our top-rated car insurance broker app can compare real-time quotes from over 55 companies in under a minute, making your shopping experience much easier.
Use the table below to learn more about how much you could save by using Jerry to find your next Fiat insurance policy.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Progressive | $2,840 | $1,135 | |
| Dairyland | $2,581 | $909 | |
| Clearcover | $2,371 | $791 | |
| Kemper | $2,662 | $757 | |
| State Auto | $2,961 | $755 | |
| Safeco | $2,525 | $727 | |
| Travelers | $2,521 | $671 | |
| National General | $2,392 | $603 | |
| Allstate | $2,250 | $556 | |
| Nationwide | $2,534 | $440 | |
| Compare Prices | |||
Fiat insurance by driving record
Another huge factor that impacts car insurance rates is your driving record. As you might expect, safer drivers get better insurance rates, so having lots of violations can lead to higher insurance prices.
Of course, things like DUIs and reckless driving charges will have a severe impact on your rates, but even small violations like speeding tickets can drive up your annual insurance costs by an average of $2,419!
To see how much you could save on your insurance by working on your driving record, check out the table below.
Fiat insurance by location
Last but not least, we need to consider your location. Different states have different insurance rates regardless of what kind of vehicle you have, so you can expect to pay more for Fiat car insurance in some states than you would in others.
Check out the table below to see how your current policy matches up to your state’s average insurance rates.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Austin | $2,611 | $993 | |
| Chicago | $1,946 | $346 | |
| Dallas | $2,191 | $362 | |
| Duluth | $7,800 | $4,719 | |
| Fort Worth | $2,036 | $476 | |
| Houston | $2,500 | $811 | |
| Las Vegas | $5,178 | $1,027 | |
| Los Angeles | $2,451 | $616 | |
| New Kensington | $1,893 | $404 | |
| San Antonio | $2,435 | $634 | |
| Compare Prices | |||
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
