Best Car Insurance for Fiat 2021

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On average, Fiat drivers pay $1,533 each year for car insurance. But depending on the model you have, your insurance rates could vary. A 500 Sport costs $1,332 more more per year to insure than a 500 Pop.

Here’s what drivers pay when they switch with Jerry

Here are some real quotes from Jerry customers who saved money when insuring their Fiat.
Quote DateMake/modelCity, StateAgeCarrierCoverage Type
Before Jerry
After Jerry
March 19, 2021Fiat 500 SportSt. Petersburg, FL30Bristol WestBasic$150/mo.$62/mo.
July 9, 2021Fiat 500 SportSt. Petersburg, FL30ProgressiveCustom$150/mo.$93/mo.
April 17, 2021Fiat 500 PopLancaster, CA47AllstatePreferred$172/mo.$135/mo.
May 2, 2021Fiat 500L LoungeAustin, TX32ClearCoverCustom$289/mo.$171/mo.
February 12, 2021Fiat 500L TrekkingSmyrna, GA49MercuryPreferred$325/mo.$298/mo.

Best insurance carriers for your Fiat

Pricing and Reviews

Insurance companies consider numerous factors when determining premiums, including your demographics, location, and driving history. Since each insurer places a different weight on these factors, rates can vary significantly among providers.
The cheapest insurer for Fiat is Gainsco, with an annual premium of $750.
Other popular carriers for Fiat include the following:
Nationwide
If you’re tech-savvy and have a good driving record, Nationwide is a great option. They offer a strong online platform, handy mobile app, and intuitive website, earning them a rating of 4.6/5 from Jerry.
Progressive
Progressive is one of the top insurance companies in the country and a solid choice for tech-savvy and high-risk drivers. As you might expect, they have a wide range of coverage options, good financial stability, and lots of choices when it comes to discounts and features. Jerry rates Progressive a 4.6/5.
Kemper
High-risk drivers will likely find good coverage with Kemper. The company files SR22 forms for those who need proof of coverage and also insures rebuilt salvage cars. Jerry rates Kemper a 4.3/5.
Safeco
Safeco is a great choice for young drivers seeking affordable coverage. They have a cashback program that provides a small refund for every six months that you remain claims-free, too. Jerry rates Safeco a 4.5/5.
Allstate
Allstate is one of the top insurers in the country and, accordingly, has a vast network of agents and repair shops. Their digital offerings include a rate calculator, mobile app, online bill payment, and online claim reporting. Allstate is rated 4.5/5 by Jerry.
Travelers
Travelers is a great pick for insurance add-ons. They offer roadside assistance, rental car reimbursement, new car coverage, gap coverage, and accident forgiveness, plus various discounts to help lower premiums. Jerry gives Travelers a rating of 4.7/5.
State Auto
For safe, experienced drivers who want good value from their insurance, State Auto is a safe choice. Their array of coverage options and ability to file claims online earns them a rating of 4.1/5 from Jerry.
National General
National General specifically serves high-risk drivers. They also offer a satisfaction guarantee in most states. If you’re not pleased with your claims experience, they’ll waive your deductible up to $250. Jerry rates National General a 4.1/5.
Dairyland
Dairyland also serves high-risk drivers who have trouble finding insurance elsewhere. With flexible payment plans and 24/7 live claims support in almost 40 states, Dairyland gets a rating of 4.6/5 from Jerry.
Clearcover
Clearcover is a great choice for tech-savvy drivers. They have an award-winning app that allows you to file a claim, pay your premium, and quickly access proof of insurance. Clearcover gets a rating of 4.1/5 from Jerry.

How to compare prices to find the most affordable coverage

While finding a great deal can be exciting, it’s never a good idea to skip out on important coverage to save a few dollars each month. Comparing rates from three to five providers can help you find a deal with coverage that doesn’t leave you vulnerable if you get into an accident.
Normally, you’d head to the providers’ websites, fill out some (long) forms, and get your quotes. But if you want to save time and money, use Jerry instead.
An intelligent AI-based tool like Jerry is the easiest and most effective way to find a car insurance policy that is customized for you. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
Here’s how much drivers paid with various insurance carriers before and after switching with Jerry.
Filters
RankCompany nameAvg. Annual Premium
1CLEARCOVER$1,333.31
2Progressive$1,704.62
3Travelers$1,835.81
4National General$1,881.21
5Kemper$1,936.46
Key Takeaway Using a car insurance comparison app like Jerry is the easiest and most effective way to compare quotes from multiple carriers to find the best premium for the coverage you need.

Cost of insuring a Fiat

Cost of insuring with minimum coverage and full coverage

The average annual insurance premium for a Fiat is $1,075 per year for minimum car insurance and $1,639 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,689 per year for minimum car insurance and $2,460 for full-coverage insurance.
Your premium will vary depending on the coverage you choose, but remember that you must meet the minimum insurance requirements in your state.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and per accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage
Underinsured motorist protection (per person and per accident)Applies when the at-fault driver has liability insurance, but it isn’t enough to cover your injuries or property damage
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident
Whenever possible, you should purchase more than minimum car insurance. Even a relatively minor accident can result in thousands of dollars in damage and medical bills. Without sufficient coverage, you’ll be held liable for some (or all) of these costs.
If you’re leasing or financing a Fiat, your lender or dealer will likely require you to purchase full-coverage insurance. You should also purchase full coverage if you can’t afford to replace your car in the event that it’s totaled.
Full coverage typically refers to policies that include collision insurance and comprehensive insurance, plus the liability insurance that the state requires.
Coverage typeProtection offered
CollisionApplies if you get into a collision with someone else’s vehicle or an object
ComprehensiveApplies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism
Here’s what it costs to insure a Fiat with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Fiat$1,974$1,523$1,615$964$1,800$1,378

Cost of insuring based on age and driving record

Insurance providers take a close look at your age and driving record because this helps them gauge your experience and risk level on the road.
Statistics show that young drivers are the most likely to get into an accident, which accounts for their high insurance premiums.
Drivers with traffic violations also pay more. While a speeding ticket might not affect your rate much, a serious offense, like a DUI or reckless driving charge, will significantly increase your insurance premium—and keep it that way for years.
But it’s not all bad! Improving your driving habits and keeping a clean record moving forward will help you attain lower premiums over time.
Here’s how accidents and violations can affect car insurance costs for Fiats by age group:
Key Takeaway Insurance costs for your Fiat will vary depending on factors like your driving record, age, and insurance coverage needs.
Your insurance rate will depend partially on the Fiat model you buy or lease. The more expensive the car, the more it usually costs to repair or replace after an accident—and the more you’ll have to pay to insure it.
But whether you drive a 500 or a Spider, Jerry can help you find affordable insurance coverage fast. Jerry provides you with competitive quotes in under a minute and makes swapping plans (or providers) just as effortless. Jerry takes care of all the paperwork and phone calls and even cancels your old policy on your behalf—oh, and it’s free!
If you want to learn more about car insurance costs for some of the most popular makes, check out the links below.
Read more about your model {carMake}
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.

Cost of insuring your Fiat by year

Most and least expensive years of car

A brand new Fiat might be tempting—that new car smell is intoxicating, after all. But if it’s insurance savings you’re after, opting for a used Fiat might be a better choice.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace it if you need to make a claim. That means lower premiums for you.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Fiats are 2015 and 2017.
The most expensive years for Fiats are 2013 and 2018.
Year
Before Jerry
After Jerry
2020$5,064$1,784
2019$1,515$960
2018$2,188$1,333
2017$2,442$1,142
2016$2,422$1,288
2015$1,621$952
2014$1,754$1,045
2013$1,681$974
2012$1,995$1,167
Key Takeaway Older Fiats typically cost less to repair or replace than newer ones and may not be leased or financed, so they tend to have lower insurance premiums.

Cost of insuring a Fiat in your city

Where you live plays a major role in your insurance rate. Since different cities have varying rates of crime, accidents, and natural disasters, you’ll find different rates for the same coverage depending on your location.
If you live in an area where there are lots of collisions, car thefts, or severe weather events, insurance companies will see you as more likely to submit a claim. You’ll pay higher insurance rates as a result.
According to our data, there is a high percentage of Fiat drivers in cities including Dallas (TX), Toledo (OH), Panama City Beach (FL), Daytona Beach (FL) and Austin (TX).
The cheapest car insurance for Fiat for Jerry users is in Provo (UT) and Buckeye (AZ).
The most expensive car insurance for Fiat for Jerry users is in Smyrna (GA) and Bronx (NY).
City
Before Jerry
After Jerry
Dallas$3,503$2,551
Toledo
$1,560$1,301
Panama City Beach
$1,932$1,786
Austin$1,608$1,024
Daytona Beach
$1,776$1,711
Oakland Park
$3,480$3,082
St. Petersburg$1,800$1,091
Meadows Place
$1,080$980
Chicago$1,308$1,025
San Antonio$1,128$930
Key Takeaway If you live in an area that has high rates of theft, collisions, or severe weather events, you can expect to pay more for your car insurance.
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