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Cheapest Fiat Car Insurance (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Fiat.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Fiat car insurance cost? 

After decades away, Fiat reentered the U.S. market in 2011. Renowned for its distinct Italian style and innovation, Fiat’s car line emphasizes style, performance, and advanced tech. While only one new model is currently available in the U.S., Fiat remains a recognized and respected brand among enthusiasts. 
On average, Fiat owners pay $1,032 each year for
car insurance
, which is 12% less than the national average. But you should keep in mind that auto insurance quotes are different for everyone, and your best rate will depend on a variety of factors.  The only way to truly understand how much your car insurance will cost is to compare car insurance quotes.

How to find the cheapest Fiat car insurance quote? 

Jerry is here to help you find the best rates with the least amount of hassle.  Over the last year, Jerry analyzed Fiat auto insurance rates. Check out the table below for a few examples!
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
July 12, 2024
Fiat 500 Sport
Gainsco
$191
• State Minimum Liability
July 5, 2024
Fiat 500 POPNationwide
$275
• 100,000/300,000 Liability
• Comp / Collision
July 4, 2024
Fiat 500 LoungePlymouth Rock
$159
• 50,000/100,000 Liability
• Comp / Collision
July 3, 2024
Fiat 500L LoungeSafeco
$144
• 100,000/300,000 Liability
• Comp / Collision
June 30, 2024
Fiat 500L TrekkingState Auto
$198
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Jul 12, 2024

The best car insurance companies for Fiat drivers

As you
shop for auto insurance
companies, remember to look for the right insurance policy for you and your car. 
Since auto insurance rates are based on unique driver profiles, there is no one-size-fits-all policy that’s right for everyone. To find the best rate, you’ll have to shop around and compare many providers. 
Jerry can help make that process simple. We conducted the largest insurance survey in the country to help you find the best rate without sacrificing coverage.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Safeco
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
Progressive
Love the low prices!!!
Jacob
Travelers
Honestly could not be more great full for the great quote they gave me! This provider saved me from paying over $500mo. THANK YOU!
Natalie
Progressive
Jerry saved me almost $100 on my current insurance!
Raiyven

Are Fiats more expensive to insure?

Compared to the average cost of other cars, Fiat vehicles cost 12% less to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Subaru
$85
$155
Fiat
$86
$160
Ford
$92
$170
Honda
$95
$169
Hyundai
$101
$186

Cheapest Fiats to insure

The Fiat model cheapest to insure is the 2018 Fiat 124, with an average monthly premium of $40 for minimum liability insurance and $112 for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2018 Fiat 124
$66
$121
2019 Fiat 500L
$66
$212
2017 Fiat 124
$66
$121
2014 Fiat 500L
$68
$139
2013 Fiat 500
$72
$152

Most expensive Fiats to insure

The Fiat model with the most expensive average insurance rate is the 2018 Fiat 500X, averaging $186 monthly for basic liability coverage and $201 monthly for full coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2018 Fiat 500X
$123
$201
2015 Fiat 500
$100
$158
2017 Fiat 500
$92
$178
2016 Fiat 500X
$91
$193
2014 Fiat 500L
$68
$139
However, you must remember that those numbers represent averages. To find the best policy for you and save money at the same time, you’ll need to shop around and compare different insurance providers.

What factors affect Fiat car insurance rates?

A wide variety of factors affect how your Fiat
car insurance premium is calculated
.
  • Vehicle age. Older vehicles tend to have lower insurance costs than new cars.
  • Vehicle cost. If you drive an expensive car, you’ll likely pay inflated insurance rates.
  • Parts cost. Insurance rates are typically high for cars with expensive parts.
  • Your age. If you’re under 25 or over 75, you’ll pay higher rates.
  • Your driving record and insurance claims history. Drivers with a history of insurance claims or moving violations will likely face higher insurance rates.
  • Where you store your car. Insurance companies will classify your car as high risk if you park outside due to the higher likelihood of damage from theft, vandalism, and weather events.
Your Fiat car insurance rates may also depend on the following factors:
  • Imports. Fiat cars are imported to the U.S., which results in more costly replacement costs.
  • Price. Fiat vehicles tend to have lower price tags when compared to higher-end luxury vehicles, resulting in lower insurance rates.
  • Safety features. Cars with lots of safety features are more likely to face lower insurance costs. 

Fiat insurance cost for young drivers

The most expensive insurance rates are paid by
teen drivers
aged 16 to 19. Our experts recommend full coverage for young drivers who own their own cars due to teens’ greater chances of being involved in an accident. 

card cover
Jeremiah (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGlenn Dale, MD
carFiat 500 Lounge
$121
per month
card cover
Arthur (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFiat 124 Spider Classica
$164
per month
card cover
Irene (23 years old)
coverageCoverage
State Minimum
carFiat 500X Lounge
$211
per month
card cover
Phoebe (22 years old)
coverageCoverage
State Minimum
locationMorrow, OH
carFiat 500X Easy
$210
per month
card cover
Sylvia (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationGilbert, AZ
carFiat 500 POP
$281
per month

Fiat insurance cost for senior drivers

Seniors over 75 pay the second-highest insurance premiums out of all age groups.
Car insurance rates for seniors
are steep due to the increased chances of accidents that older drivers face. Additionally, seniors are more likely to suffer severe injuries in a car crash, resulting in steep medical bills and high insurance costs.

card cover
Nina (65 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFiat 500 Lounge
$101
per month
card cover
Clifford (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carFiat 500L Lounge
$144
per month
card cover
Inez (72 years old)
coverageCoverage
State Minimum
locationDallas, TX
carFiat 500 POP
$69
per month
card cover
Eliza (73 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFiat 500 Lounge
$159
per month
card cover
Wesley (65 years old)
coverageCoverage
State Minimum
carFiat 500 POP
$221
per month

Fiat insurance cost for drivers with driving violations 

Another major factor affecting your car insurance rates is your driving record. If your record is free of violations, you’ll likely see lower rates. However, you’ll most likely face inflated rates if you have any of the following violations on your record:
  • Speeding tickets
  • DUIs
  • At-fault accidents
  • Reckless driving
  • Driving on a suspended license 

Cheapest car insurance for Fiat drivers with a speeding ticket

One speeding ticket for between one and five miles over the limit shouldn’t ruin your insurance rates. But if you have multiple tickets or a single extreme speeding ticket, your rates will probably be on the higher end. Jerry has proudly helped many Fiat drivers find cheap car insurance following various levels of speeding tickets. 

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 6-10
Fiat 500L TrekkingProgressive
$155
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Fiat 500X LoungeAllstate
$211
• State Minimum Liability
• Comp / Collision
Speeding 21+
Fiat 500 AbarthBristol West
$169
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

Cheapest car insurance for Fiat drivers with a DUI

A
DUI conviction
on your record will likely raise your rates. And you’ll probably have to spend some time comparing different insurance agencies to find the right policy for you. Luckily, Jerry has a wealth of experience helping Fiat drivers find quality coverage after a DUI.

card cover
Aiden (40 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carFiat 500 Sport
$124
per month
card cover
Emma (32 years old)
DUI
coverageCoverage
25,000 per person
50,000 per accident bodily injury
carFiat 500 POP
$69
per month
card cover
Jimmy (42 years old)
DUI
coverageCoverage
State Minimum
carFiat 500X Easy
$240
per month

Cheapest car insurance for Fiat drivers after an accident

Two other important elements that help insurers determine your premium are your driving record and insurance claims history. If you have a history of at-fault accidents or insurance claims, you’ll most likely face steep rates. Jerry is here to help you cut down on your insurance costs following an accident.

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Fiat 500 SportAllstate
$126
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Fiat 500 LoungeSafeco
$169
• State Minimum Liability
• Comp / Collision
At Fault With Injury
Fiat 124 Spider ClassicaTravelers
$171
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Fiat 500 LoungeNationwide
$155
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Fiat 500X Easy
Gainsco
$267
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 18, 2024

Cheapest car insurance for Fiat drivers with other driving violations on their record

Other driving violations besides speeding tickets and DUIs can negatively affect your insurance rates. Offenses like reckless driving and
driving on a suspended license
can cause your rates to skyrocket. Fortunately, Jerry has a detailed history of helping Fiat owners find coverage after a variety of driving violations.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Fiat 500L LoungeProgressive
$241
• 50,000/100,000 Liability
Defective Equipment
Fiat 500X TrekkingTravelers
$175
• 100,000/300,000 Liability
• Comp / Collision
Failure to Yield
Fiat 500 POPSafeco
$376
• State Minimum Liability
Wrong Way/Wrong Lane
Fiat 500 POPEncompass
$149
• 50,000/100,000 Liability
• Comp / Collision
Careless Driving
Fiat 124 Spider ClassicaAAA
$147
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Fiat 500 POPBristol West
$115
• No Coverage Liability
Failure to Obey Signal
Fiat 500L TrekkingState Auto
$198
• 25,000/50,000 Liability
• Comp / Collision
Improper Passing
Fiat 124 Spider ClassicaDairyland
$261
• No Coverage Liability
• Comp / Collision
coverageLast Updated Jul 17, 2024

How can I lower the cost of my Fiat car insurance?

There are several steps you can take to lower your Fiat car insurance rates. 
  • Compare rates. The best way to find cheap insurance is to
    shop around for insurance coverage
    . Jerry makes this process easy by providing you with free quotes from over 50 of the nation’s top insurance providers. 
  • Bundle your insurance plans. Another common way to reduce your premium is by
    bundling your homeowners and auto insurance
    with the same insurance company. 
  • Participate in a telematics program. Telematics programs can track driving habits to reward safe drivers with lower rates. Many insurers offer
    insurance discounts
    for drivers who participate in these programs. 
  • Raise your deductible. The deductible is the amount of money you must pay out of pocket before your insurance company will pay for your claim. Raising your deductible is one way to reduce your rate. 
  • Reduce your coverage. Older and less valuable cars don’t need as much coverage as expensive new models. If you drive an older Fiat, you can cut down on your expenses by
    reducing your coverage
  • Purchase a used car. New cars tend to have higher insurance costs than older used cars. Driving a used Fiat may be a great way to cut down on your insurance bills. 

FAQs

Insurance groups are assigned by insurance companies based on factors like the vehicle’s age, value, performance, safety features, and more. The specific insurance group for a Fiat 500 will vary depending on elements like the engine size, model year, trim level, and your specific insurance company. 
Fiat owners pay, on average, $1,920 for full coverage and $1,032 for state minimum liability insurance annually. Remember, however, that those are averages. Your actual rate will be based on factors including your age, location, driving record, and insurance claims history.
Compared to the national yearly average Fiat 500s cost 12% less to insure. The average monthly cost to insure a Fiat 500 is $156 for full coverage and $84 for minimum liability insurance. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.