FIAT Car Insurance: How Much Is FIAT Insurance? 2026
On average, insuring a FIAT costs about $180 per month, which adds up to roughly $2,169 per year.
We’ve saved shoppers an average of $600 per year on their car insurance.
FIAT car insurance typically costs about $2,169 per year for full coverage in the U.S., though rates vary based on the model, driver profile, and state. Smaller models like the Fiat 500 are usually cheaper to insure than sportier options such as the 124 Spider.
Insurers also factor in repair costs, safety features, and where the car is garaged, which can significantly affect premiums from one location to another.
What’s Changed In 2026?
- Insurers are now pricing the FIAT 500e differently from gas models, reflecting higher EV battery replacement costs.
- Increased use of telematics programs is affecting rates for drivers of smaller, urban-focused cars like FIAT models.
How Much Does FIAT Insurance Cost?
The average monthly cost to insure a FIAT is $180, which amounts to about $2,169 per year. However, your actual insurance rate will vary based on factors like your age, location, driving record, and the specific model of your car.
Average FIAT Insurance Cost By Model
A key factor in determining your car insurance rate is the model that you drive. According to our analysis, the average cost of insuring a FIAT, across all models, is $2,169 per year.
The FIAT 500X is the cheapest model to insure, at $1,915 per year. On the other hand, the FIA 124 Spider is the most expensive, at an average of $2,602 per year.
Use the table below to compare insurance rates for FIAT models.
| FIAT Model | Average Yearly Insurance Cost |
| FIAT 124 Spider | $2,602 |
| FIAT 500L | $1,991 |
| FIAT 500X | $1,915 |
Keep in mind that these numbers are just averages. Your actual insurance cost can differ based on where you live, your age, your driving history, and the type of coverage you select.
Are FIATs Expensive To Insure?
The national average monthly car insurance cost is $157, while insuring a FIAT averages $180 per month across all models—a noticeable increase. However, insurance rates are typically determined by the specific model of the car rather than the brand as a whole, so it’s important to review rates for your particular vehicle.
FIAT 124 Spider Insurance Cost
The average cost of insuring a FIAT 124 Spider across all model years, is $1,336 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2020 FIAT 124 Spider | $1,648 |
| 2019 FIAT 124 Spider | $985 |
| 2018 FIAT 124 Spider | $1,461 |
| 2017 FIAT 124 Spider | $1,251 |
FIAT 500L Insurance Cost
The average cost of insuring a FIAT 500L across all model years, is $1,286 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2020 FIAT 500L | $1,305 |
| 2019 FIAT 500L | $1,997 |
| 2018 FIAT 500L | $1,185 |
| 2017 FIAT 500L | $1,000 |
| 2016 FIAT 500L | $946 |
FIAT 500X Insurance Cost
The average cost of insuring a FIAT 500X across all model years, is $1,848 per year. Use the table below to compare rates for different model years.
| Model Year | Average Yearly Premium |
| 2023 FIAT 500X | $2,448 |
| 2022 FIAT 500X | $2,901 |
| 2021 FIAT 500X | $1,238 |
| 2020 FIAT 500X | $1,068 |
| 2019 FIAT 500X | $1,590 |
FIAT Car Insurance Cost – By Driver Age
The rates you pay to insure a FIAT will differ dramatically based on driver age. Younger drivers tend to pay a lot more for car insurance because, statistically, they are much more likely to get into accidents. As drivers get older, their insurance rates tend to drop until they turn about 60-70. Then their rates increase again.
| Age | Average Annual Rate |
| 17 | $7,335 |
| 18 | $6,848 |
| 19 | $6,052 |
| 20 | $5,271 |
| 21 | $4,427 |
| 22 | $4,295 |
| 23 | $3,772 |
| 24 | $3,584 |
| 25 | $3,081 |
| 30 | $2,403 |
| 35 | $2,262 |
| 40 | $2,176 |
| 45 | $2,101 |
| 55 | $1,923 |
| 65 | $2,022 |
| 75 | $2,548 |
FIAT Car Insurance Cost – By Company
| Insurance Provider | Average Monthly Premium |
| GEICO | $123 |
| Progressive | $138 |
| State Farm | $149 |
| Allstate | $155 |
| Farmers | $148 |
| Liberty Mutual | $169 |
| Nationwide | $132 |
FIAT Car Insurance Cost – By U.S. State
| State | Average Annual Rate |
| Alabama | $2,280 |
| Alaska | $1,784 |
| Arizona | $2,124 |
| Arkansas | $2,304 |
| California | $2,635 |
| Colorado | $2,426 |
| Connecticut | $3,157 |
| Delaware | $2,607 |
| Florida | $3,072 |
| Hawaii | $986 |
| Idaho | $1,694 |
| Illinois | $1,830 |
| Indiana | $1,856 |
| Iowa | $1,482 |
| Kansas | $2,014 |
| Kentucky | $2,863 |
| Louisiana | $3,649 |
| Maine | $1,390 |
| Maryland | $2,208 |
| Massachusetts | $1,739 |
| Michigan | $4,407 |
| Minnesota | $1,759 |
| Mississippi | $2,159 |
| Missouri | $2,020 |
| Montana | $2,079 |
| Nebraska | $1,773 |
| Nevada | $2,951 |
| New Hampshire | $2,046 |
| New Jersey | $2,225 |
| New Mexico | $2,199 |
| New York | $1,906 |
| North Carolina | $1,271 |
| North Dakota | $1,771 |
| Ohio | $1,560 |
| Oklahoma | $2,515 |
| Oregon | $2,283 |
| Pennsylvania | $1,930 |
| Rhode Island | $3,175 |
| South Carolina | $2,177 |
| South Dakota | $1,943 |
| Tennessee | $2,299 |
| Texas | $2,315 |
| Utah | $1,940 |
| Vermont | $1,403 |
| Virginia | $1,451 |
| Washington | $1,892 |
| West Virginia | $1,944 |
| Wisconsin | $1,877 |
| Wyoming | $1,787 |
| Georgia | $2,503 |
How To Save Money On FIAT Car Insurance?
Owning a FIAT involves various costs, with car insurance being one of the largest. However, there are ways to save on your insurance. Here’s how:
Maintain a Clean Driving Record
Insurance companies look at your driving history to set your premium. By avoiding accidents and traffic tickets, you show that you’re a lower risk, which can help lower your insurance costs.
Bundle Your Policies
Combining insurance policies, like home and auto insurance, with the same company can earn you discounts. This approach not only simplifies your insurance management but also saves you money.
Raise Your Deductible
Raising your deductible—the amount you pay out of pocket before your insurance helps—can reduce your premium. Make sure you can handle the higher deductible if needed.
Install Safety Features
FIATs come with many built-in safety features, but adding extras like anti-theft devices can lower your insurance costs by reducing the risk of theft and damage.
Take Advantage of Discounts
Many insurance companies offer discounts for good students, clean driving records, or defensive driving courses. Check with your insurer to find out which discounts you might qualify for.
Shop Around
Insurance rates can differ greatly between companies. Compare quotes from different providers to find the best deal for your needs.
Consider Usage-Based Insurance
If you don’t drive your FIAT frequently, usage-based insurance might be a good option. This type of policy sets your premium based on how much you drive, which could save you money if your FIAT isn’t your primary vehicle.
Our Methodology
In order to calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile was for a 40-year-old male driver buying full-coverage car insurance with these coverage limits: $100,000 in property damage liability, $100k in bodily injury liability and a $1,000 deductible. However, the figures in this guide may differ from your own individual results
FAQs
What Is The Most Expensive FIAT Model To Insure?
At $2,602 per year, the FIAT 124 Spider is the most expensive FIAT model for car insurance.
What Is The Cheapest FIAT Model To Insure?
The FIAT 500X is the cheapest model for car insurance, at $1,915 per year.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.