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Car insurance for a Fiat

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Fiat’s are compact cars built for versatility, offering a stylish and affordable option for drivers. All vehicles come at a cost, though, and it’s more than just the price tag for the car. The costs associated with driving also include the price you pay for car insurance on your Fiat. When it comes to auto coverage, your premiums are based on numerous factors, including the make and model of your vehicle, the safety rating and personal factors, like your driving history and credit score (in states where allowed). Other personal factors, like your age, ZIP codes, and claims history may also factor into the insurance rate.

Whether you currently drive a Fiat and are shopping for the best insurance rate or are considering whether you should purchase one, the Fiat model you choose will impact your insurance premium. Using Quadrant Information Services, Bankrate analyzed the average rates for some of Fiat’s most popular models to help you navigate the process of shopping for Fiat car insurance.

How much does it cost to insure a Fiat?

Car insurance costs are affected (in most states) by many personal factors such as your age, marital status, driving history, credit score and ZIP code. The make and model of the car you choose also affects your auto insurance rate based on the price and value or associated safety ratings. Sports cars and luxury cars usually cost more to insure than cheaper makes and models, like sedans.

Even if you look at different models from the same manufacturer, the cost to insure them will vary. Each model has different costs to repair, safety features and options that affect the base amount of auto insurance. To determine the average cost of car insurance for Fiats, we compared quoted annual premiums from Quadrant Information Services from some of the top insurance providers (by market share) for the following models:

  • Fiat Spyder
  • Fiat 500C
  • Fiat 500L Pop
  • Fiat 500X Trekking

Car insurance for Fiat: by model

Though your rates for car insurance will vary based on personal factors, we have provided quotes for several Fiat models and with different car insurance companies for you to compare. Of the four models we quoted, the Fiat 500C has the cheapest average annual insurance premium for minimum and full coverage. The most expensive Fiat model to insure based on our study of quotes is the Fiat 500L Pop for state minimum coverage, and the Fiat Spyder for full coverage.

Fiat car insurance Average annual premium for minimum coverage Average annual premium for full coverage
Fiat Spyder $470 $1,656
Fiat 500C $448 $1,463
Fiat 500L Pop $498 $1,578
Fiat 500X Trekking $489 $1,483

Cheapest car insurance companies for Fiat Spyders

To get auto insurance quotes for Fiats, we chose the top five largest car insurance companies based on market share. The Fiat 124 Spyder is a convertible sports car starting at a base price of $25,390. It comes in four different trim options and is only offered with a 6-speed manual transmission. While Fiat stopped production in 2020 for North America, there are still new and used models available.

For minimum coverage, USAA has the cheapest average annual car insurance rates for the Fiat Spyder, though this company is only available to military members and their eligible spouses and children. Geico and Amica are the second cheapest for state minimum coverage. USAA, Geico and Amica are fairly similar overall for average annual rates for full coverage auto insurance.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $266 $1,207
Geico $355 $1,241
State Farm $431 $1,384
Erie $430 $1,387
Amica $367 $1,243

Cheapest car insurance companies for the Fiat 500C

The Fiat 500C is a subcompact convertible ranging from $16,936 to $25,748, depending on which trim model you choose. The Fiat 500C comes in automatic or manual transmission and is a great economical car for city living and weekend cruising. Though the Fiat 500 series was discontinued in the U.S. as of 2020, this vehicle can still be purchased, pre-owned. Once again, USAA has the cheapest car insurance rates for minimum coverage, though Geico and Erie are not far behind. Geico and USAA are very close in average annual rates for full coverage auto insurance, with Amica rounding out the top three. Based on average rates, the Fiat 500C is the cheapest Fiat model to insure, but rates could change further over time considering the model has recently been discontinued.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $313 $1,078
Geico $357 $1,069
State Farm $467 $1,302
Erie $375 $1,395
Amica $387 $1,213

Cheapest car insurance companies for the Fiat 500L Pop

The Fiat 500L Pop is a hatchback offered at $22,500 starting MSRP. This model comes standard with an anti-theft system, daytime running lights, backup camera and steering wheel controls. The Fiat 500L Pop offers seating for five, with a combined highway/city fuel economy of 25 MPG. While the 500L Pop was also discontinued, the 500X Pop is available at a starting price of $26,215 for 2021.

USAA, Geico and Erie offer the cheapest option for average annual costs for minimum coverage, ranging from $337 to $376. For full coverage, average costs per year are most competitive with Geico, followed by USAA and Erie. Given these rates are useful for the sake of comparison only, it is important to obtain and compare quotes unique to you to determine which is the most affordable company.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $337 $1,124
Geico $342 $1,075
State Farm $438 $1,256
Erie $376 $1,204
Amica $379 $1,282

Cheapest car insurance companies for Fiat 500X Trekkings

The Fiat 500X Trekking comes with standard all wheel drive and a starting price of $26,215. The vehicle is equipped with an automatic, 9-speed transmission and seats up to five passengers. The Trekking package offers a dual-pane panoramic power sunroof, leather-trimmed seats and a 7-inch touchscreen with navigation, among other features.

As for the cost of average annual rates for car insurance, Geico was the most competitive result for minimum coverage and full coverage. USAA comes in second for both types of coverage while Erie and Amica are tied for $379 per year for minimum coverage. After USAA, Erie is the next cheapest for full coverage auto insurance.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $396 $1,188
Geico $333 $999
State Farm $431 $1,255
Erie $379 $1,234
Amica $379 $1,244

Other car insurance coverage for Fiats

Though states only require minimum coverages for legal driving, insurance experts typically recommend increasing your liability limits if you can afford to, or considering other coverages, for the added financial protection. If you purchase a Fiat model with a loan or lease one, you may be required to have full coverage, which includes comprehensive and collision. Full coverage offers greater financial protection for the Fiat model you choose, including physical damage to your vehicle — regardless of who is at fault for an accident.

If you are shopping for car insurance or switching providers, a licensed agent may recommend these coverages, depending on your circumstances:

  • Collision coverage: Collision coverage extends coverage to your vehicle if it is damaged in a collision with another vehicle or object (except for animals on the road), no matter who is at fault. Collision typically has its own deductible, which is accounted for when the insurer calculates the payout total. If the car is totaled, the insurance company will typically pay the depreciated or replacement value of the car, depending on your policy.
  • Comprehensive coverage: Comprehensive coverage is considered other-than-collision, and pays for the coverages not included in collision. Broken windows and windshields, theft of the vehicle, vandalism, weather events and hitting an animal are all covered under comprehensive coverage. Comprehensive also typically has a separate deductible associated with it.
  • Gap insurance: If you purchase or lease a new Fiat, gap insurance may be another coverage to consider. If the Fiat is totaled and you owe more on the loan than the depreciated value of the car, you are responsible to pay for the difference unless you have gap insurance. This coverage pays the difference to the lender so you are not financially liable for the remaining balance.
  • Rental car reimbursement: This coverage pays for a rental car while your Fiat is in the shop being repaired after a covered accident, usually for a limited number of days. If you do not have access to another vehicle and need something to drive if your Fiat is damaged, rental car reimbursement may be a coverage to consider.
  • Roadside assistance: If you break down, run out of gas, need a tire replaced or need to have your Fiat towed to a shop to be serviced, roadside assistance would be helpful. This coverage is optional and may be worth it if you are stranded somewhere and need assistance.

Frequently asked questions

Are Fiat 500s expensive to insure?

It depends. Fiat 500s can be expensive to insure, as insurance costs are based not only on the make and model of the vehicle, but also on your personal factors and coverage choices. Based on our insurance premium rates from some of the top insurance providers, the average annual insurance costs for the Fiat 500C, 500L Pop, and 500X Trekking are all within $100 of each other.

What impacts the cost of Fiat insurance?

There are several factors that impacts the cost of Fiat insurance. For instance, teenage drivers are typically more expensive to insure than older, more experienced drivers. Your ZIP codes may make a difference, as does the driving records and claims history of drivers in the household. The coverage you choose also factors into how much you pay for Fiat insurance.

How can I save money on my Fiat car insurance policy?

The best way to save money on your Fiat car insurance policy is to shop for quotes with different insurance providers. Compare the insurance rate for the same coverages across all carriers and see what discounts you are eligible for. How much you pay will vary by carrier, so shopping for insurance quotes will help you decide which is your best choice.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Fiat of the following model types, commute five days a week and drive 12,000 miles annually:

  • Fiat Spyder
  • Fiat 500C
  • Fiat 500L Pop
  • Fiat 500X Trekking

These are sample rates and should only be used for comparative purposes.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor