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FIAT Insurance Rates

The average cost of car insurance for a FIAT model is about $1,628 per year.

This is $597 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 $1,961 $2,879 $3,368
FIAT 500L Insurance Cost $1,493 $2,192 $2,564
FIAT 500X Insurance Cost $1,429 $2,098 $2,454

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 $5,512 $8,094 $9,469
18 $5,137 $7,543 $8,825
19 $4,540 $6,666 $7,799
20 $3,959 $5,813 $6,800
21 $3,320 $4,875 $5,702
22 $3,233 $4,747 $5,554
23 $2,829 $4,154 $4,859
24 $2,688 $3,946 $4,616
25 $2,319 $3,406 $3,984
30 $1,807 $2,653 $3,104
35 $1,692 $2,485 $2,907
40 $1,628 $2,390 $2,795
45 $1,583 $2,325 $2,720
55 $1,452 $2,132 $2,495
65 $1,515 $2,224 $2,602
75 $1,912 $2,808 $3,285

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 $1,724 $2,504 $3,188
Alaska $1,426 $1,977 $1,922
Arizona $1,612 $2,331 $3,434
Arkansas $1,768 $2,778 $3,058
California $1,968 $3,480 $1,968
Colorado $1,837 $2,571 $3,261
Connecticut $2,346 $3,640 $4,620
Delaware $1,943 $2,589 $3,325
Florida $2,313 $3,200 $4,170
Hawaii $753 $1,023 $753
Idaho $1,309 $1,735 $2,109
Illinois $1,370 $2,071 $2,361
Indiana $1,407 $2,151 $2,414
Iowa $1,115 $1,529 $1,798
Kansas $1,483 $2,158 $2,524
Kentucky $2,144 $3,147 $3,716
Louisiana $2,752 $4,160 $4,510
Maine $1,041 $1,438 $2,124
Maryland $1,684 $2,451 $2,722
Massachusetts $1,351 $2,356 $1,351
Michigan $3,259 $4,966 $7,833
Minnesota $1,341 $1,789 $2,519
Mississippi $1,619 $2,310 $2,325
Missouri $1,526 $2,182 $2,866
Montana $1,551 $2,165 $2,520
Nebraska $1,311 $1,940 $2,107
Nevada $2,163 $3,209 $3,390
New Hampshire $1,505 $2,379 $3,008
New Jersey $1,658 $2,601 $3,404
New Mexico $1,693 $2,518 $2,614
New York $1,568 $1,975 $3,296
North Carolina $972 $1,670 $1,191
North Dakota $1,330 $2,022 $2,391
Ohio $1,186 $1,829 $1,876
Oklahoma $1,894 $2,712 $3,054
Oregon $1,724 $2,313 $2,762
Pennsylvania $1,452 $2,132 $2,494
Rhode Island $2,424 $3,556 $4,004
South Carolina $1,646 $2,282 $3,149
South Dakota $1,477 $2,128 $2,456
Tennessee $1,737 $2,557 $3,405
Texas $1,749 $2,527 $3,143
Utah $1,488 $2,085 $2,869
Vermont $1,146 $1,764 $1,864
Virginia $1,079 $1,657 $1,624
Washington $1,428 $1,939 $2,315
West Virginia $1,437 $2,058 $2,579
Wisconsin $1,433 $2,237 $2,551
Wyoming $1,338 $1,873 $1,994
Georgia $1,886 $2,820 $2,843