Best Fiat Car Insurance Rates in 2024 (Your Guide to the Top 10 Companies)
Progressive, USAA, and Allstate have the best Fiat car insurance rates for most drivers. At Progressive, minimum coverage for a Fiat averages $80/mo. Fiat owners may be able to find cheaper Fiat insurance rates by applying for good driver discounts, which can save drivers up to 30% at some companies.
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Justin Wright
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Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
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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: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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11,413 reviewsProgressive, USAA, and Allstate have the best Fiat car insurance rates for drivers.
The following companies offer the best rates for Fiat auto insurance.
Our Top 10 Company Picks: Best Fiat Car Insurance Rates
| Company | Rank | Good Driver Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 30% | A+ | Snapshot Program | Progressive |
 | #2 | 15% | A++ | Military Benefits | USAA |
 | #3 | 20% | A+ | Drivewise Savings | Allstate |
 | #4 | 25% | B | Reliable Coverage | State Farm |
 | #5 | 20% | A | Customizable Policies | Liberty Mutual |
 | #6 | 25% | A+ | Vanishing Deductible | Nationwide |
 | #7 | 15% | A+ | Customer Satisfaction | Amica |
 | #8 | 20% | A | Coverage Options | Farmers |
 | #9 | 25% | A++ | Discount Variety | Travelers |
 | #10 | 22% | A++ | Low Rates | Geico |
If you drive a Fiat, you need proper coverage for your vehicle, but don’t get discouraged about the process. It’s quite simple to find affordable Fiat car insurance that meets your state’s requirements for coverage.
- Compare Fiat Car Insurance Rates
To find the most affordable Fiat coverage in your area, you must get competitive car insurance quotes from different insurance companies. When you compare Fiat car insurance rates online, you can find the best coverage near you for a price that suits your budget.
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#1 – Progressive: Top Pick Overall
Pros
- Snapshot Program: Good drivers can save on their Fiat insurance with the Snapshot discount program.
- Young Driver Discounts: Progressive has good student discounts for young drivers.
- Coverage Options: Fiat owners can personalize policies with add-ons. Read our Progressive review for more information.
Cons
- Snapshot Rate Increases: Snapshot only benefits good drivers, as it does raise rates for poor driving.
- Customer Loyalty: Progressive doesn’t retain as many customers as other companies.
#2 – USAA: Best for Military Benefits
Pros
- Military Benefits: USAA offers benefits to its members, such as shopping discounts. Learn more in our USAA review.
- SafePilot: Save up to 30% on your Fiat insurance policy with SafePilot.
- Bundling Discount: USAA sells much more than just auto insurance.
Cons
- Add-On Coverages: USAA doesn’t have many specialty add-on coverages for policies.
- Eligibility: Fiat owners can only buy insurance if they are service members or veterans.
#3 – Allstate: Best for Drivewise Savings
Pros
- Drivewise Savings: Good drivers can save on their Fiat insurance. Learn more in our Allstate Drivewise review.
- Milewise Insurance: Milewise by Allstate is pay-per-mile insurance. Low mileage Fiat drivers can learn more in our Allstate Milewise review.
- New Car Replacement: An add-on coverage that is great for owners of new Fiat models.
Cons
- Customer Reviews: Allstate struggles with having a higher-than-average number of customer complaints.
- Telematics Tracking: Fiat owners must be okay with their driving data being tracked for Milewise and Drivewise.
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#4 – State Farm: Best for Reliable Coverage
Pros
- Reliable Coverage: State Farm has high financial management ratings, making it one of the more reliable providers.
- Discount Variety: Fiat owners can save with multiple discount opportunities.
- Local Assistance: State Farm agents can be easily found near most customers. Read more in our State Farm car insurance review.
Cons
- Online Tools: State Farm focuses on in-person assistance, so online functions can be more limited.
- Bad Credit Rates: Like most companies, State Farm will charge more if drivers have bad credit scores.
#5 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Easily customize Fiat auto insurance policies at Liberty Mutual. Learn more in our Liberty Mutual review.
- RightTrack: Signing up for RightTrack could save Fiat drivers up to 30% if they practice safe driving habits.
- Young Driver Discount: Young Fiat owners can apply for good student discounts.
Cons
- Claims Satisfaction: Customers have left negative feedback about their claims filing experience.
- Telematics Tracking: RightTrack tracks Fiat drivers’ driving data before issuing a discount.
#6 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible: Nationwide reduces deductibles for claim-free drivers each policy period.
- SmartMiles: Pay-per-mile coverage is sold through SmartMiles and is great for low-mileage Fiat drivers.
- Young Driver Discounts: Save with good student discounts and other Nationwide car insurance discounts.
Cons
- Availability: Fiat owners won’t be able to purchase coverage if they live in one of the few states Nationwide doesn’t sell in.
- High-Risk Driver Rates: Nationwide shouldn’t be Fiat owner’s first choice if they have poor driving records.
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#7 – Amica: Best for Customer Satisfaction
Pros
- Customer Satisfaction: Most customers are satisfied with Amica’s customer service.
- New Car Replacement: Available as an add-on coverage for new Fiat models.
- Discount Variety: Fiat owners have several discounts to choose from.
Cons
- Availability: Coverage is not sold in every state.
- No Diminishing Deductible: Amica doesn’t reduce car insurance deductibles for claims-free drivers.
#8 – Farmers: Best for Coverage Options
Pros
- Coverage Options: Fiat owners can purchase well-rounded policies due to Liberty Mutual’s coverage options.
- Signal App: Save up to 30% on your insurance with Signal if you are a good driver. Read our Signal review to learn more.
- Roadside Assistance: Available as an add-on coverage and provides towing and roadside assistance to Fiat owners.
Cons
- Availability: Farmers is restricting new policy sales in some states like Florida.
- Customer Satisfaction: Not always scored highly by customers.
#9 – Travelers: Best for Discount Variety
Pros
- Discount Variety: There are discounts for every type of driver at Travelers.
- IntelliDrive Program: IntelliDrive users can save up to 30% on their Fiat insurance.
- Coverage Options: Plenty of extras are available to purchase. See what’s available in our Travelers review.
Cons
- IntelliDrive Rates: Poor drivers should know that participating in the IntelliDrive program could raise their rates.
- Claims Satisfaction: Rated as just average by the majority of consumers.
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#10 – Geico: Best for Low Rates
Pros
- Low Rates: Geico has consistently low rates for good drivers. Learn more in our Geico review.
- Young Driver Discounts: Young Fiat owners can apply for several discounts.
- Roadside Assistance: An optional add-on that can be purchased by Fiat owners.
Cons
- High-Risk Rates: Geico’s rates are less competitive for Fiat owners with poor driving records.
- Add-On Coverages: Geico doesn’t offer a few extras like gap insurance.
Fiat Car Insurance Coverages
There are different minimum car insurance requirements by state, but most states require at least a minimum amount of liability car insurance. So, if you own a Fiat, chances are you’ll need at least a liability-only policy for your car.
A minimum coverage policy in your state will require the following:
- Property Damage Liability: Property damage liability insurance covers you if you cause an accident and damage someone’s vehicle or other personal property.
- Bodily Injury Liability: Bodily injury liability covers you if you cause an accident and one or more people are injured.
The amount of property damage and bodily injury liability you need on your Fiat depends on where you live. In addition to liability insurance, some states require one or more of the following car insurance coverages:
- Personal Injury Protection (PIP): Personal injury protection coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident.
- Medical Payments (MedPay): MedPay helps with medical bills like visits to the doctor and hospital stays.
- Uninsured/Underinsured Motorist Coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle.
You can check with your state’s Department of Motor Vehicles or a representative from any car insurance company you’re considering to learn more about the types of car insurance you have to carry in your state. However, if PIP, MedPay, and uninsured or underinsured motorist coverage are not required, you may still want to purchase them for peace of mind.
Fiat Full Coverage
You may feel comfortable driving your Fiat with a minimum coverage policy or want to purchase additional coverage for your vehicle. You can buy a full coverage policy for your car that will help protect you financially if you’re ever in an accident or if someone or something damages your Fiat.
A full coverage policy includes:
- Collision Insurance: Collision insurance pays for damage to your vehicle if you cause an accident. Collision will cover your Fiat up to its actual cash value (ACV).
- Comprehensive Insurance: Comprehensive car insurance pays if theft, vandalism, wild animals, or inclement weather damage your Fiat.
You probably need a full coverage policy if you have a loan or lease on your Fiat. Additionally, if you drive a new Fiat or one with a fairly high ACV, you should consider buying full coverage for your car so you won’t have to pay out of pocket if someone or something damages your vehicle.
Fiat Car Insurance Discounts
If you drive a Fiat, you may qualify for certain car insurance discounts. Depending on the discount and the company, you could save significantly on your monthly or annual car insurance rates.
Some of the most common discounts Fiat drivers enjoy include:
- Good student discount
- Defensive driver discount
- Safety features discount
- New car discount
- Affiliation discount
- Loyalty discount
- Multi-car discount
- Multi-policy discount
- Paid-in-full discount
If you believe you may qualify for one or more discounts, such as a forward collision warning discount, speak with a representative from any company you’re considering.
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Car insurance discounts can help you save up to 25% on your car insurance premium.
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Fiat Car Insurance Rates
The best way to find affordable car insurance for your Fiat is to find and compare car insurance quotes from different insurance companies in your area.
Fiat Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $85 | $160 |
| Amica | $95 | $175 |
| Farmers | $85 | $160 |
| Geico | $88 | $165 |
| Liberty Mutual | $90 | $170 |
| Nationwide | $80 | $155 |
| Progressive | $80 | $150 |
| State Farm | $75 | $140 |
| Travelers | $78 | $145 |
| USAA | $70 | $130 |
When you compare quotes, you learn what you can expect to pay for coverage for your vehicle. Drivers can get Fiat insurance quotes directly from companies like Progressive.
A perk of getting quotes is that you learn which companies can offer you the coverage you want for your vehicle at a price that beats the competition. For example, you may find that rates for Fiat coverage are higher than you expected. If that’s the case, you can increase your car insurance deductible to help offset the cost.
Don't increase your Fiat car insurance deductible if you cannot afford to pay the deductible amount. The last thing you want to do is get in a car accident and not be able to pay your deductible for vehicle repairs and liability coverage.
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Increasing your deductible could help you save money on your monthly or annual car insurance rates.
Fiat Car Insurance Rates by Model
Quickly compare car insurance rates for the Fiat 124 Spider model.
| Compare Fiat Car Insurance Rates by Model |
|---|
| Fiat 124 Spider |
Cheaper Fiat models will have lower auto insurance rates.
Best Fiat Car Insurance Rates: The Bottom Line
You need proper car insurance coverage in your state to drive your Fiat. Fortunately, finding coverage for your Fiat should not be all that difficult. You’re likely to find that several companies are willing to insure your vehicle.
Once you know the type of car insurance you need, you can compare quotes for coverage to see which company in your area offers the most affordable coverage. For example, if Fiat car insurance is too expensive and you need lower rates, you can search for car insurance discounts to save up to 25% on your monthly or annual rates.
You should compare car insurance quotes for your Fiat at least once a year, even if you like your coverage, to ensure you aren’t paying too much for coverage. Enter your ZIP in our free tool to find cheap Fiat car insurance quotes today.
Frequently Asked Questions
How much do Fiats cost?
The price of a Fiat ranges. You can shop online to find an affordable Fiat before purchasing car insurance.
Are hatchbacks more expensive to insure?
Hatchbacks are often more expensive to insure, but it depends on the insurance company. Use our free quote tool to find the cost of hatchback insurance for Fiats.
What factors affect the car insurance rates for Fiat vehicles?
Several factors can influence car insurance rates for Fiat vehicles. These factors include the model and year of the Fiat vehicle, the driver’s age, driving record, location, credit history, and the coverage options chosen.
Additionally, the safety features and anti-theft devices installed in the Fiat vehicle may also impact Fiat insurance costs (learn more: Safety Features Car Insurance Discounts).
Are Fiats expensive to insure?
The average cost to insure a Fiat is around $1,450 annually or $121 per month on average. You can shop online and compare rates to ensure you don’t pay too much for your Fiat coverage.
What’s the cheapest place to get car insurance?
Rates for Fiat coverage vary from one company to another. You can compare Fiat auto insurance quotes to see which company offers the cheapest rates for your vehicle.
Are Fiat car insurance rates generally higher or lower compared to other car brands?
Car insurance rates can vary depending on multiple factors, so it’s difficult to make a general statement about Fiat car insurance rates compared to other car brands. Insurance rates are influenced by factors such as the vehicle’s safety ratings, repair costs, and theft rates.
It’s advisable to obtain personalized online quotes from insurance providers to compare Fiat car insurance rates with other car brands (read more: Finding Free Car Insurance Quotes Online).
How can I find affordable car insurance rates for my Fiat vehicle?
To find affordable car insurance rates for your Fiat vehicle, it’s recommended to shop around and compare quotes from different insurance providers. You can contact insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously.
Additionally, maintaining a good driving record, opting for higher deductibles, and inquiring about available discounts can help lower your car insurance rates.
How much are Fiat car insurance rates?
The average cost of Fiat insurance is $1,450 annually or $121 per month on average. While Fiats are not expensive to insure compared with many other makes and models, Fiat insurance costs vary based on the type of car you drive, the year of your vehicle, and several other factors.
How much does Fiat 500 insurance cost?
Fiat 500 insurance rates vary based on the model. For example, while Fiat 500 insurance rates are around $1,455 annually or $121 per month, Fiat 500 Abarth insurance costs up to $2,750 annually or $229 each month.
In comparison, Fiat 500E insurance costs much less, at around $1,438 annually or $120 each month. Used Fiat models will also be cheaper than new models (read more: Cheap Car Insurance for Older Vehicles).
Are Fiats good cars?
Fiats are average when it comes to reliability but are economical cars to purchase.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed 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.
