FIAT Insurance Rates

The average cost of car insurance for a FIAT model is about $1,553 per year.

This is $341 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact FIAT insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

FIAT insurance rates will vary significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

Insurance Cost per FIAT Model

Model Good Driver Recent Accident Poor Credit
FIAT 124 Spider Insurance Cost $1,795 $2,636 $3,084
FIAT 500L Insurance Cost $1,463 $2,148 $2,513
FIAT 500X Insurance Cost $1,401 $2,057 $2,407

The cost to insure a FIAT model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a FIAT, then see our insurance analysis and rankings for other makes and models here.

FIAT Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $5,261 $7,724 $9,036
18 $4,902 $7,199 $8,421
19 $4,332 $6,362 $7,442
20 $3,778 $5,547 $6,489
21 $3,168 $4,652 $5,442
22 $3,085 $4,530 $5,300
23 $2,700 $3,964 $4,637
24 $2,565 $3,766 $4,405
25 $2,214 $3,250 $3,802
30 $1,724 $2,532 $2,962
35 $1,615 $2,371 $2,774
40 $1,553 $2,280 $2,668
45 $1,511 $2,219 $2,596
55 $1,386 $2,035 $2,381
65 $1,446 $2,123 $2,483
75 $1,825 $2,679 $3,135

FIAT auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect FIAT models by state.

Average FIAT Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,645 $2,390 $3,042
Alaska $1,361 $1,887 $1,834
Arizona $1,539 $2,224 $3,277
Arkansas $1,687 $2,651 $2,919
California $1,878 $3,321 $1,878
Colorado $1,753 $2,453 $3,112
Connecticut $2,239 $3,473 $4,408
Delaware $1,854 $2,471 $3,174
Florida $2,207 $3,054 $3,979
Georgia $1,799 $2,691 $2,714
Hawaii $719 $976 $719
Idaho $1,249 $1,656 $2,013
Illinois $1,307 $1,976 $2,253
Indiana $1,343 $2,053 $2,304
Iowa $1,064 $1,459 $1,716
Kansas $1,415 $2,059 $2,408
Kentucky $2,046 $3,003 $3,546
Louisiana $2,626 $3,970 $4,304
Maine $993 $1,373 $2,027
Maryland $1,607 $2,339 $2,598
Massachusetts $1,289 $2,248 $1,289
Michigan $3,110 $4,740 $7,476
Minnesota $1,280 $1,707 $2,404
Mississippi $1,546 $2,204 $2,219
Missouri $1,456 $2,082 $2,735
Montana $1,481 $2,066 $2,405
Nebraska $1,252 $1,851 $2,011
Nevada $2,064 $3,062 $3,235
New Hampshire $1,436 $2,271 $2,871
New Jersey $1,582 $2,482 $3,248
New Mexico $1,616 $2,403 $2,495
New York $1,497 $1,885 $3,146
North Carolina $928 $1,594 $1,137
North Dakota $1,270 $1,930 $2,282
Ohio $1,132 $1,746 $1,790
Oklahoma $1,808 $2,588 $2,914
Oregon $1,645 $2,207 $2,636
Pennsylvania $1,386 $2,034 $2,380
Rhode Island $2,313 $3,393 $3,821
South Carolina $1,571 $2,177 $3,005
South Dakota $1,410 $2,031 $2,343
Tennessee $1,657 $2,440 $3,250
Texas $1,669 $2,412 $3,000
Utah $1,420 $1,990 $2,738
Vermont $1,093 $1,684 $1,779
Virginia $1,030 $1,581 $1,550
Washington $1,363 $1,850 $2,209
West Virginia $1,372 $1,964 $2,461
Wisconsin $1,368 $2,135 $2,435
Wyoming $1,277 $1,787 $1,903