Fiat Auto Insurance (2024)
Fiat auto insurance rates are around $137/mo. While rates vary widely based on factors like age, gender, and driving record, the average Fiat car insurance cost by model isn't much different from the overall Fiat average. We'll help you compare cheap Fiat auto insurance average quotes and coverage types.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Fiat auto insurance averages $137 monthly for full coverage
- Fiat insurance rates vary depending on Fiat model, driver age, driving record, and demographics
- You can get affordable Fiat auto insurance quotes by keeping a clean driving record and shopping around
Fiat auto insurance is usually cheaper than other car brands, as it’s not a luxury brand. On average, you’ll pay around $137 monthly for Fiat auto insurance. However, there are many factors that affect auto insurance rates for your Fiat, like chosen model, coverages, and your driving record.
To give you a complete picture of Fiat car insurance, we’ll go over Fiat insurance coverage options, average Fiat insurance cost by model year, and much more. Continue reading to learn all about Fiat auto insurance and how to get cheap auto insurance for your Fiat.
Average Fiat Auto Insurance Rates
What you pay for Fiat auto insurance depends partly on the model you have and the coverages you choose, as you can see from the average rates below:
Fiat Average Auto Insurance Rates by Model and Coverage Type
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 FIAT 500X | $25 | $49 | $47 | $139 |
| 2023 FIAT 500L | $25 | $47 | $47 | $136 |
| 2023 FIAT 500 | $24 | $47 | $47 | $135 |
The Fiat 500X costs slightly more on average to insure than the other models, but the average rates for the different Fiat models are fairly similar. Fiat 500 car insurance costs are the cheapest of all models, but only by a few dollars. So you won’t see a huge range in average rates among the different Fiat models.
Of course, you’ll see a large rate difference if you have a poor driving record or are a young driver, as the insurance company will see you as a higher risk to insure.
Below, you can see Fiat’s average auto insurance rates by age and driving record:
Fiat Average Auto Insurance Rates by Driver Age and Driving Record
| Vehicle Model | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|
| 2023 FIAT 500X | $296 | $309 | $142 | $136 | $124 | $122 |
| 2023 FIAT 500L | $290 | $306 | $141 | $135 | $123 | $121 |
| 2023 FIAT 500 | $288 | $475 | $219 | $210 | $191 | $187 |
As you can see, auto insurance for teens is expensive due to factors like driving inexperience and a higher likelihood of filing claims. In addition, you’ll pay higher Fiat car insurance rates if you need high-risk auto insurance.
While you can’t do anything about your age, showing you’re a safe driver by not getting any at-fault accidents, traffic tickets, or DUIs on your record will ensure your Fiat insurance rates go down each year.
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Fiat Auto Insurance Coverage Types
Wondering what type of auto insurance you should carry on your Fiat? You must carry your state’s minimum auto insurance requirements, and you can choose from optional Fiat auto insurance coverages to complete your policy. One Fiat insurance coverage that most states require is liability auto insurance.
Liability insurance protects your Fiat if you cause an accident by paying for the other parties’ medical bills and property damage bills. Most states’ required liability insurance limits are low, so if you can afford a higher limit on your Fiat liability insurance, you should get a higher amount to protect yourself from paying out of pocket or getting sued if you cause a serious accident.
In addition to liability insurance, your state may require you to carry medical coverage, such as medical payments or personal injury protection (PIP) auto insurance, to help pay your and your passenger’s medical bills after an accident. Find out which companies offer cheap PIP auto insurance.
Your state may also require you to carry uninsured/underinsured motorist auto insurance to help pay your accident bills if the driver who crashes into you has little or no insurance.
Once you meet state requirements, you can choose any other coverages you want on your policy unless you have a lease or loan on your Fiat. Then, your lender will require you to carry comprehensive and collision insurance, also known as full coverage auto insurance. Even if these Fiat car insurance coverages are optional, we recommend carrying them unless your Fiat is old and no longer worth much.
Comprehensive and collision insurance pay for your car repairs, whereas liability insurance only covers other drivers when you cause an accident. Comprehensive auto insurance covers crashes with animals and damages from vandalism, falling objects, and weather. Collision auto insurance covers crashes with other cars and objects like trees.
Ways to Get Cheap Fiat Auto Insurance Quotes
You can follow a few tips if your Fiat car insurance price is higher than you’d like. The first thing is to shop around and get Fiat insurance quotes, as a company may offer a better Fiat insurance rate than your current one. Find out how to ask an auto insurance company for quotes.
Another way to get an affordable Fiat auto insurance policy is to purchase an older Fiat model. Fiat insurance cost by model year varies. For example, while the overall average auto insurance rates for a new Fiat is $137 monthly, you’ll only pay around $106 to insure a 2013 Fiat 500.
If you’ve already shopped around and are with a cheaper auto insurance company, you should see if there are any auto insurance discounts available at the company. For example, some companies offer defensive driver auto insurance discounts if you complete a defensive driver class. Some may also have a safe driver discount for Fiat drivers who participate in its safe driving program.
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— AutoInsurance.org (@AutoInsurance) April 28, 2023
If no more discounts are available for your auto insurance policy, you can go other routes, such as raising your auto insurance deductible, to get cheap Fiat car insurance rates. However, since raising your deductible means taking on more financial responsibility after an accident, don’t raise it beyond an amount you can’t afford to pay out of pocket.
Finding Fiat Auto Insurance Savings
Average Fiat auto insurance rates are cheap, with no significant price increases between Fiat models. However, rates will be higher for young Fiat owners or drivers with poor driving records. If your Fiat insurance rates are high, look for car insurance discounts and compare auto insurance rates.
Enter your ZIP code into our free quote comparison tool to find cheap Fiat auto insurance quotes from the best companies.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Are Fiats expensive to insure?
No, Fiat car insurance is relatively affordable compared to other cars on the market. A full coverage Fiat auto insurance policy costs around $137 monthly, though rates vary based on a driver’s demographics and driving record.
Where is the cheapest place to buy Fiat auto insurance coverage?
You’ll have to get Fiat auto insurance quotes to find the cheapest company for you. Companies that usually have cheaper-than-average rates include USAA, State Farm, and Geico. However, USAA is strictly for military members, veterans, and their families.
Can I get discounts on Fiat auto insurance?
Many insurance providers offer discounts for Fiat Auto Insurance. Common discounts may include safe driving discounts, multi-car discounts, bundling discounts (if you have other policies with the same insurance company), and discounts for certain safety features on your Fiat vehicle.
How much is insurance on a Fiat 500 Sport?
Fiat 500 auto insurance costs $135 monthly on average, though your rates vary based on factors like age, gender, and driving record.
What should I do if I need to make a Fiat insurance claim?
Contact your insurance company if you get in an accident or covered incident with your Fiat to file a claim. Your insurer will guide you through the claims process and provide you with the necessary information and forms to complete.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.