Fiat Insurance

Find the Best Fiat Insurance

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The Fiat was reintroduced in the United States in 2011 and is known for its attractive features and overall fun driving experience. It has a European flair that consumers like about the Italian owned brand.

You'll need the right car insurance for your Fiat, and an independent insurance agent will help you find a policy to suit your coverage and budget needs.

Not sure where to start? 

You can use a find-an-agent tool here that will connect you with a local independent insurance agent to start the process of obtaining coverage for your Fiat.

What Kind of Insurance Do You Need for Your Fiat? 

You have a lot of options to choose from when it comes to insuring your Fiat. Coverage laws vary from state to state, and some optional coverages make sense if you want to be well-protected. 

Most states mandate the following coverage: 

Bodily Injury Liability: A car accident that causes injury to passengers, pedestrians, or other drivers will be covered by bodily injury liability paying for medical expenses and lost wages.

Property Damage Liability: If you or another person who has permission to drive your car gets into a car accident causing property damage, a liability policy will pay to replace or repair the vehicle or structure. However, property damage liability will not repair or replace your own car.

Many states require this coverage: 

Medical Payments/Personal Injury Protection: A car accident that causes injury to you or your passengers can be expensed to your medical payments or personal injury protection (PIP) coverage. Medical payments or PIP will pay for any small necessary medical treatments and is a preset amount usually between $5,000 to $25,000 in coverage. PIP insurance is available in "no-fault" states and a requirement in some areas. You'll have the availability to purchase medical payments insurance everywhere else. 

Uninsured and Underinsured Motorist Coverage: Uninsured and underinsured motorist (UM/UIM) coverage pays for damages to your vehicle if the other party does not have enough insurance coverage. Even in states where coverage is mandatory, there are countless UM/UIM claims. 

Optional Coverage: 

Collision: Without collision coverage, you would be responsible for the damage caused to another person's property out of pocket. Collision insurance will help pay for the expense, so you don't have to.  

Comprehensive: Your Fiat is at risk, even parked in your driveway. Due to natural disasters, storms, and other incidents out of your control, your car could be damaged. If this occurs, comprehensive coverage is essential to have and will pay for any damage to your vehicle.

Glass Coverage: Replacing your Fiat's windshield could cost you up to $500. Instead of paying that cost yourself, you could have your windshield replaced with zero-deductible glass coverage. This policy endorsement is inexpensive and may only cost you a few extra dollars per year.

Gap Insurance: If you are financing or leasing your Fiat, then you will want gap coverage. This policy endorsement pays the difference between your car's value and the amount owed to the financing company. If you're in an accident and your vehicle is a total loss, gap insurance will pay the remaining amount owed on your loan. Without gap insurance, you'll be responsible for paying the difference yourself. 

What Affects the Cost of Insurance for Your Fiat

Several factors go into calculating insurance premiums for a Fiat. It's not only about the vehicle itself. For example, younger drivers tend to pay higher rates due to a lack of experience. A teen Fiat driver will pay an average of $5,478 per year for insurance. The average price for a good driver is $1,456 annually, whereas a high-risk driver with multiple driving violations pays an average of $3,152 per year.

Average Cost of Fiat Insurance by Model

The type of Fiat you drive also affects your insurance premiums. Different Fiat models have different coverage needs. These rates assume that the driver is a 40-year-old male who has a clean driving history. The policies reflect a $500 comprehensive and collision deductible, UM/UIM coverage, and minimum liability limits. Rates are averaged across all 50 states. 

Average annual insurance premium for a new Fiat by model
FIAT 124 Spider$1,592
FIAT 500$1,366
FIAT 500L$1,380
FIAT 500X$1,412

The Safety of Your Fiat

How likely you are to file a claim depending on which Fiat you drive will play a part in premiums. Safety features are essential and will help the insurance carriers give you a safety discount. 

With options to add a blind spot warning, rear cross-traffic warning, and a rearview camera, the Fiat has some particular features carriers like to see. 

How Location Affects Your Fiat Insurance

Depending on which state you reside in could get you a lower car insurance premium, while other states may have higher rates due to traffic patterns, crime, and claims filed. 

Average yearly auto insurance rates are the least expensive in these states:
Ohio$1,304
Indiana$1,333
Washington$1,520
Arizona$1,817
Illinois$2,092
Average yearly auto insurance rates are most expensive in these states:
California$2,673
New York$2,466
Texas$2,447
Florida$2,267
Pennsylvania$2,083

Average Cost to Insure a Fiat

On average, your Fiat insurance premiums will run you $1,456 annually. Your rates will vary according to your age, where you live, your driving history, and the coverages you choose. 

Here's how Fiat rates change for younger vs. older drivers:

Fiat rates by age for full coverage with a $500 deductible
AgePremium
16$5,478
20$3,380
30$1,518
40$1,456
50$1,332
60$1,308

Top Independent Insurance Carriers That Insure the Fiat

The insurance company you choose will determine your coverage and if they have the funds to foot the bill. Your carrier needs to be responsive and has an A-rated reserve for claim payouts. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a trustworthy recommendation: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Get a Fiat Quote 

Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Fiat. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.

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TrustedChoice.com Article | Reviewed by Candace Jenkins

©2020, Consumer Agent Portal, LLC. All rights reserved.

https://www.consumerreports.org/cars/fiat/124/2020/overview/

https://www.jdpower.com/business/press-releases/2019-us-independent-insurance-agent-satisfaction-study

https://www.quoteinspector.com/insurance/vehicles/fiat/