FIAT Insurance Rates

The average cost of car insurance for a FIAT model is about $1,630 per year.

This is $437 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 $1,888 $2,812 $3,324
FIAT 500L Insurance Cost $1,478 $2,201 $2,602
FIAT 500X Insurance Cost $1,524 $2,271 $2,684

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 $5,521 $8,224 $9,722
18 $5,145 $7,664 $9,060
19 $4,547 $6,773 $8,006
20 $3,965 $5,906 $6,981
21 $3,325 $4,953 $5,854
22 $3,239 $4,823 $5,702
23 $2,834 $4,220 $4,989
24 $2,692 $4,010 $4,740
25 $2,323 $3,460 $4,090
30 $1,809 $2,695 $3,186
35 $1,695 $2,524 $2,984
40 $1,630 $2,428 $2,870
45 $1,586 $2,363 $2,793
55 $1,455 $2,167 $2,561
65 $1,517 $2,260 $2,672
75 $1,915 $2,853 $3,372

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 $1,727 $2,419 $3,028
Alaska $1,429 $2,081 $2,180
Arizona $1,615 $2,505 $3,572
Arkansas $1,771 $2,682 $3,000
California $1,971 $3,448 $1,971
Colorado $1,840 $2,547 $3,177
Connecticut $2,350 $3,634 $4,654
Delaware $1,946 $2,679 $3,557
Florida $2,317 $3,147 $4,103
Georgia $1,889 $2,911 $2,987
Hawaii $755 $1,041 $755
Idaho $1,311 $1,764 $2,196
Illinois $1,372 $2,028 $2,352
Indiana $1,410 $2,203 $2,570
Iowa $1,116 $1,675 $1,951
Kansas $1,485 $2,187 $2,590
Kentucky $2,147 $3,230 $3,799
Louisiana $2,757 $4,213 $4,536
Maine $1,042 $1,398 $2,040
Maryland $1,687 $2,473 $2,921
Massachusetts $1,353 $2,288 $1,353
Michigan $3,264 $4,908 $7,546
Minnesota $1,344 $1,805 $2,672
Mississippi $1,622 $2,450 $2,588
Missouri $1,528 $2,105 $2,722
Montana $1,554 $2,431 $2,682
Nebraska $1,314 $1,860 $2,116
Nevada $2,167 $3,271 $3,588
New Hampshire $1,507 $2,429 $3,093
New Jersey $1,660 $2,618 $3,378
New Mexico $1,696 $2,440 $2,740
New York $1,571 $2,045 $3,302
North Carolina $974 $1,572 $1,211
North Dakota $1,332 $2,051 $2,604
Ohio $1,188 $1,943 $2,013
Oklahoma $1,897 $2,849 $3,231
Oregon $1,727 $2,608 $2,992
Pennsylvania $1,454 $2,199 $2,524
Rhode Island $2,428 $3,726 $4,261
South Carolina $1,649 $2,386 $3,405
South Dakota $1,479 $2,035 $2,442
Tennessee $1,740 $2,602 $3,284
Texas $1,752 $2,579 $3,237
Utah $1,490 $2,155 $2,973
Vermont $1,147 $1,835 $2,006
Virginia $1,081 $1,627 $1,729
Washington $1,431 $2,150 $2,535
West Virginia $1,440 $2,097 $2,589
Wisconsin $1,435 $2,095 $2,545
Wyoming $1,340 $1,969 $2,201