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Jerry Data & Research
Cheapest Fiat Car Insurance (Oct 2024)
Cheapest Fiat Car Insurance (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Fiat.
Find Insurance Savings
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Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How much does Fiat car insurance cost?
- How to find the cheapest Fiat car insurance quote?
- Insurance costs for popular Fiat models
- What factors affect Fiat car insurance rates?
- How can I lower the cost of my Fiat car insurance?
- FAQs
- Methodology
- Meet Our Experts
Load full table of contents
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 -- 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!
| Date | Car | Insurance Company | Premium (monthly) | Customer Details | Insurance coverage |
|---|---|---|---|---|---|
October 6, 2024 | Fiat 500 Sport | Travelers | $117 | Danny, 51 | • 50,000/100,000 Liability • Comp / Collision |
September 26, 2024 | Fiat 500X Trekking | Bristol West | $323 | Hilda, 35 | • 100,000/300,000 Liability • Comp / Collision |
September 22, 2024 | Fiat 500 POP | Mercury | $133 | Mamie, 67 | • State Minimum Liability • Comp / Collision |
September 22, 2024 | Fiat 500 POP | Nationwide | $275 | Delia, 32 | • 100,000/300,000 Liability • Comp / Collision |
September 18, 2024 | Fiat 500 POP | Gainsco | $178 | Julia, 28 | • State Minimum Liability |
Last Updated Oct 6, 2024The 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 Company | Overall Rating | Price | Claims Experience | Customer 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 |
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.
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.
Insurance costs for popular Fiat models
Your Fiat model will affect your car insurance rates. Some model-specific factors that may play a role in determining your rate include the following:
- Safety features. Vehicles with advanced safety features and high safety ratings tend to see lower monthly car insurance costs.
- Vehicle value. Expensive cars, like luxury and performance vehicles, usually cost more to insure.
- Vehicle class. Full-size SUVs and sports cars have higher insurance costs than compact SUVs and small economy vehicles.
- Engine size. Cars with beefy engines, like performance vehicles, are seen as high risk by insurance companies. For this reason, they tend to see higher insurance costs.
- Availability of replacement parts. Vehicles with costly or hard-to-find parts, like luxury or discontinued cars, tend to have higher insurance rates.
- Cost of repairs. Expensive vehicles tend to have higher repair costs, which can result in inflated insurance premiums.
The table below contains the average rates for some popular Fiat models.
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Fiat 500 | $84 | $156 |
Fiat 500X | $118 | $181 |
Fiat 500L | $83 | $149 |
You’re required by most states to maintain a
minimum level of car insurance coverage
. That requirement includes varying amounts of basic liability coverage
, which features both bodily injury liability insurance and property damage liability.In comparison,
full coverage
includes collision
and comprehensive coverage
. This form of insurance offers complete financial protection for you, your Fiat, and other passengers and motorists on the road with you. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Fiat 500X insurance costs
The only new Fiat model currently available in the U.S. is the Fiat 500X. As a subcompact SUV that combines practicality with Fiat’s distinct Italian style, the 500X is known for its surprisingly spacious interior, agile handling, and range of modern tech and safety features.
But your 500X trim level also plays a role in setting your insurance rate. Trim level means the specific options available for a given car model. For example, the 2023 Fiat 500X is available in two trim levels:
- Pop: Starting at $31,100, the base model 2023 Fiat 500X Pop features a 177-horsepower engine, standard driver-assist and safety tech, and a remote start feature. A seven-inch touchscreen featuring Apple CarPlay and Android Auto controls a six-speaker sound system.
- Sport: Starting at $34,090, the 2023 Fiat 500X Sport adds larger wheels, a sportier exterior, dual exhaust, upgraded interior materials, automatic climate control, and sport steering with paddle shifters.
Higher trim levels routinely face higher insurance costs, meaning that you’ll likely pay more for insurance if you own the 500X Sport.
Check out some real quotes from Jerry users:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Fiat Fiat_500x | Progressive | $74 | Eunice, 30 | • 50,000/100,000 Liability • Comp / Collision |
| Fiat Fiat_500x | Travelers | $46 | Ola, 33 | • 100,000/300,000 Liability |
Last Updated Oct 8, 2024Fiat 500 insurance costs
Available in the U.S. between 2011 and 2019, the Fiat 500 is an iconic compact car known for its retro design and agility. It offers a nimble and efficient urban driving experience, making it ideal for navigating city streets.
Jerry’s insurance experts determined that Fiat 500 owners pay an average of $156 per month for full-coverage car insurance. But remember, your actual rates will vary based on your unique driver profile.
- Pop: With an average used price of $13,972, the base model 2019 Fiat 500 Pop features a 135-horsepower engine, 16-inch wheels, a rearview camera, hill-start assist, a seven-inch display, Bluetooth, and rear parking sensors.
- Lounge: With an average used price of $16,918, the 2019 Fiat 500 Lounge adds chrome exterior trim, a glass roof, an auto-dimming mirror, heated front seats, satellite radio, and automatic climate control.
- Abarth: With an average used price of $16,819, the 2019 Fiat 500 Abarth includes a more powerful engine, a spoiler, sport-tuned suspension, upgraded brakes, performance exhaust, and premium interior materials.
In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Fiat Fiat_500 | Progressive | $73 | Lois, 42 | • 50,000/100,000 Liability • Comp / Collision |
| Fiat Fiat_500 | Progressive | $83 | Daniel, 30 | • 100,000/300,000 Liability |
Last Updated Oct 2, 2024Fiat 124 Spider insurance cost
The Fiat 124 Spider is a convertible sports car that was available in the U.S. from 2016 to 2019. Known for its exhilarating driving experience, the 124 Spider offers a turbocharged engine, precise handling, and a surprisingly comfortable cabin.
- Classica: With an average used price of $24,361, the base model 2020 Fiat 124 Spider Classica includes a 160-horsepower engine, AC, a rearview camera, Bluetooth, keyless entry, and push-button start.
- Lusso: With an average used price of $27,100, the 2020 Fiat 124 Spider Lusso adds heated leather seats, an upgraded infotainment system with a seven-inch display, and an advanced tech package.
- Abarth: With an average used price of $28,006, the 2020 Fiat 124 Spider Abarth features an upgraded 164-horsepower engine, performance-tuned suspension, a limited-slip differential, Brembo brakes, and selectable drive modes.
In the table below, you’ll find real quotes for real people from Jerry to better understand how your driver profile impacts your cost.
Last Updated Oct 4, 2024Over 4,000,000 customers and counting
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Honestly could not be more great full for the great quote they gave me! This provider saved me from paying over $500mo. THANK YOU!
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Raiyven
Fiat 500L insurance costs
The Fiat 500L is a mini multi-purpose vehicle (MMV) with a hatchback body style that was available in the U.S. from 2014 to 2020. It provides a spacious interior, a unique design, and a range of convenient features that make it ideal for families seeking extra cabin space.
- Pop: With an average used price of $18,085, the base model 2020 Fiat 500L Pop features a 160-horsepower engine, heated mirrors, a seven-inch touchscreen, and Apple CarPlay and Android Auto.
- Trekking: With an average used price of $19,095, the 2020 Fiat 500L Trekking adds unique body panels, ambient interior lighting, premium interior materials, heated front seats, and a seven-speaker BeatsAudio system.
- Lounge: With an average used price of $20,054, the 2020 Fiat 500L Lounge includes painted wheels, chrome trim, an auto-dimming rearview mirror, rear parking sensors, and automatic climate control.
Are Fiats more expensive to insure?
Compared to the average cost of other cars, Fiat vehicles cost -- to insure.
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 Make | Average Monthly State Minimum Insurance Cost | Average 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 Make | Average Monthly State Minimum Insurance Cost | Average 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?
- 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. 
Sadie (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Fiat 500 Lounge$121
per month
Anne (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Fiat 124 Spider Classica$164
per month
Ethan (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Highland Heights, KYFiat 500 Abarth$163
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.Eugene (66 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Saint Louis, MOFiat 500 Lounge$101
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.
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.Eric (44 years old)
$82
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 type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
["At Fault With No Injury"] | Fiat 500 Lounge | Progressive | $96 | Lee, 26 | • State Minimum Liability • Comp / Collision |
[] | Fiat 500L Lounge | Travelers | $149 | Luis, 31 | • 100,000/300,000 Liability • Comp / Collision |
["At Fault With No Injury"] | Fiat 500 Abarth | Allstate | $204 | Wesley, 27 | • 50,000/100,000 Liability • Comp / Collision |
["At Fault With No Injury"] | Fiat 500 POP | Safeco | $65 | Madge, 50 Knoxville, TN | • No Coverage Liability |
[] | Fiat 500X POP | Gainsco | $164 | Evelyn, 31 | • No Coverage Liability |
Last Updated Oct 8, 2024Cheapest 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.| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Fiat 500L Lounge | Progressive | $241 | Marian, 28 | • 50,000/100,000 Liability |
Defective Equipment | Fiat 500X Trekking | Travelers | $175 | Ethel, 46 Longmont, CO | • 100,000/300,000 Liability • Comp / Collision |
Failure to Yield | Fiat 500 POP | Safeco | $376 | Dollie, 24 Fife, WA | • State Minimum Liability |
Wrong Way/Wrong Lane | Fiat 500 POP | Encompass | $149 | Darrell, 36 | • 50,000/100,000 Liability • Comp / Collision |
Careless Driving | Fiat 124 Spider Classica | AAA | $147 | Bryan, 25 | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Fiat 500 POP | Bristol West | $115 | Johanna, 49 | • No Coverage Liability |
Failure to Obey Signal | Fiat 500L Trekking | State Auto | $198 | Lura, 29 | • 25,000/50,000 Liability • Comp / Collision |
Improper Passing | Fiat 124 Spider Classica | Dairyland | $261 | Aiden, 66 | • No Coverage Liability • Comp / Collision |
Last Updated Oct 8, 2024How 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 toshop 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 bybundling your homeowners and auto insurancewith the same insurance company.
- Participate in a telematics program. Telematics programs can track driving habits to reward safe drivers with lower rates. Many insurers offerinsurance discountsfor 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 byreducing 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
What is the insurance group for a Fiat 500?
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.
How much is insurance on Fiats?
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.
Are Fiat 500s expensive to insure?
Compared to the national yearly average Fiat 500s cost -- 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
R.E. Fulton
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.
Lina Zhang
Licensed Insurance Agent
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.
Josh Damico
Head Of Insurance Operations
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.