Fiat Car Insurance Quotes in 2026
On average, Fiat owners pay $126 per month for car insurance. USAA and State Farm are two of the cheapest insurers for coverage.
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Key Takeaways
On average, Fiat owners pay $95 per month for liability insurance and $157 per month for full coverage. This is slightly less than the nationwide averages across all vehicle makes and models.
USAA, State Farm, and Allstate are three of the cheapest insurers for Fiat vehicles.
The discontinued Fiat 500X is the most expensive Fiat to insure, with average premiums of $169 per month.
The Cheapest Car Insurance Companies for a Fiat
Fiats are relatively inexpensive, and insurance costs tend to be affordable, too. How much you pay for car insurance for your Fiat will depend on several factors, including your location, credit, driving history, and the insurer you choose.
Rates vary from company to company because each insurer uses different rating factors to determine your premiums. It’s a good idea to request quotes from several major insurance companies to find the best rates and coverage options for your situation.
The table below highlights the cheapest car insurance companies for Fiats, based on Compare.com data:
Company  | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $72 |
| Allstate | $91 |
| American Family | $97 |
| GEICO | $100 |
| CSAA | $110 |
| Nationwide | $118 |
| Progressive | $121 |
| Travelers | $123 |
| Farmers | $140 |
| Liberty Mutual | $166 |
| Amica | $314 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
USAA is the cheapest insurer for Fiats, at just $65 per month. But USAA isn’t available to drivers without a military connection. State Farm also offers low rates and is available to all types of drivers, making it another good choice.
The Fiat model you drive can also affect your car insurance rates, as you’ll see in the following section.
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Car Insurance Costs for Top Fiat Models
The Fiat brand has struggled to appeal to U.S. buyers, and it discontinued its crossovers and SUVs, like the 500X and the 500L.[1] As of 2026, the only vehicle available is the 500e, a small electric vehicle that replaced the gas-powered Fiat 500.
Whether you’re shopping for a new or used Fiat, the table below shows the average premiums for the different models, according to Compare.com data:
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| 500 | $81 | $146 |
| 500e | $93 | $153 |
| 500L | $87 | $164 |
| 500X | $90 | $169 |
| All Fiat models | $95 | $157 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Fiat 500e
Average Fiat 500e insurance cost: $120 per month
2025 Fiat 500e MSRP: Starting at $30,500
The Fiat 500e is a small, electric, two-door hatchback with a lower-than-average sales price for a new car. Its small size makes it easy to park and navigate congested areas, and its lower price point can make it more affordable to insure.
The chart below shows the average premiums from leading insurance companies for the Fiat 500e, based on our data:
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $67 |
| Allstate | $85 |
| American Family | $91 |
| GEICO | $93 |
| AAA | $102 |
| Nationwide | $110 |
| Progressive | $112 |
| Travelers | $115 |
| Farmers | $130 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Best Insurance Companies for Fiat Drivers
Fiat provides a zippy driving experience in a cute, unique package. While no single insurance company is best for everyone, we found that the following companies are some of the leading choices for Fiat owners in different categories.
We chose the following companies based on a combination of average rates for Fiat, available discounts, customer ratings and reviews, and coverages offered.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.3 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $155/mo |
How drivers feel about Progressive
Customers appreciate the initial affordability and claim handling but dislike the frequent and unexplained rate increases, as well as the poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 294 Progressive reviews
Verified Review
Reviewed in Florida on March 24, 2026
Very easy to deal with, especially over the phone. I found a lower rate online and contacted my insurance company, and they reworked my policy and saved me an additional $30 a month.
Verified Review
Reviewed in Washington on March 21, 2026
Premiums keep getting higher even though I've never had an accident or violation.
Verified Review
Reviewed in Massachusetts on March 14, 2026
Don't have a claim. If your claims specialist is out of work long term, for whatever reason, you could be told that no one will handle your claims issues until their return to work. If this is okay with you, then by all means, renew with Progressive. Otherwise, think long and hard about that.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
If you buy a new Fiat, you’ll want to protect your investment. With Progressive, you can get loan or lease payoff coverage, and the company also sells vehicle protection plans. These plans cover repairs that don’t fall under traditional auto insurance policies, such as electrical system failures or transmission issues.
Plus, you can add optional coverages to your policy for more protection, such as coverage for custom equipment or parts and a deductible savings bank.
Pros
Sells loan or lease payoff insurance
Offers vehicle protection plans
Several optional coverages available
Cons
Poor J.D. Power claims satisfaction rating
Prices vary based on purchase method
More expensive than some insurers
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
3.9
A solid optionBased on 740 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
How drivers feel about State Farm
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 317 State Farm reviews
Verified Review
Reviewed in Illinois on March 19, 2026
Very good, but prices are going up.
Verified Review
Reviewed in New York on March 16, 2026
They are very friendly and helpful. They offer the cheapest price I've found.
Verified Review
Reviewed in Virginia on March 15, 2026
I have been with State Farm since 1959. I was 21, just out of the Navy. They have always taken care of my needs.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Compared to the average price of a new car, Fiat vehicles are relatively affordable, so they can be a good choice for teens or young adults. State Farm offers several discounts that can benefit young drivers, including good student, driver training, away at school, and bundling discounts.
State Farm is often one of the most affordable companies for Fiat insurance. J.D. Power rates it highly for claims satisfaction, and it has a large network of insurance agents.
Pros
One of the cheapest insurers for Fiat vehicles
More discounts for college students than most insurers
Highly rated for customer satisfaction
Cons
Doesn’t offer gap insurance
Doesn’t issue policies in Rhode Island or Massachusetts
Higher rates for drivers with poor credit
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $76/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $144/mo |
3.5
A solid optionBased on 441 verified guest reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about Allstate
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 177 Allstate reviews
Verified Review
Reviewed in Pennsylvania on March 17, 2026
Very easy to work with the agent, very good at their job. Prices could be better.
Verified Review
Reviewed in Texas on March 4, 2026
The price just keeps rising, which is really hard for seniors.
Verified Review
Reviewed in Kentucky on March 4, 2026
Easy to talk with and always available.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
When you purchase an electric vehicle like the Fiat 500e, you may opt to install a Level 2 charger in your home to quickly and efficiently charge your vehicle. These chargers usually require professional installation, so Allstate could be especially useful.
Allstate has partnered with other companies to offer discounts on chargers, installation, and protection plans for existing systems.
Plus, Allstate offers affordable premiums for Fiat vehicles, and it has optional coverages available, like gap insurance.
Pros
Discounts on charger installation and charger protection plans
Usage-based insurance available
Gap insurance available
Cons
Less-than-stellar reviews on Trustpilot
Fewer discounts than some competitors
Below-average J.D. Power claims satisfaction rating
Average Cost of Fiat Car Insurance by State
Where you live affects your car insurance rates. Required coverage levels, congestion, accident rates, and the number of uninsured drivers in your area are all factors that can influence your rates.[2]
The map below shows how Fiat car insurance rates vary by state, according to Compare.com data:
Fiat Rates by State
State | Average Monthly Premium |
|---|---|
| Alabama | $104 |
| Arizona | $111 |
| Arkansas | $120 |
| California | $135 |
| Colorado | $135 |
| Connecticut | $188 |
| Delaware | $157 |
| Florida | $147 |
| Georgia | $168 |
| Hawaii | $83 |
| Idaho | $69 |
| Illinois | $104 |
| Indiana | $86 |
| Iowa | $71 |
| Kansas | $98 |
| Kentucky | $130 |
| Louisiana | $141 |
| Maine | $92 |
| Maryland | $200 |
| Massachusetts | $99 |
| Michigan | $152 |
| Minnesota | $115 |
| Mississippi | $99 |
| Missouri | $120 |
| Montana | $98 |
| Nebraska | $95 |
| Nevada | $167 |
| New Hampshire | $58 |
| New Jersey | $177 |
| New Mexico | $95 |
| New York | $145 |
| North Carolina | $58 |
| North Dakota | $77 |
| Ohio | $81 |
| Oklahoma | $113 |
| Oregon | $101 |
| Pennsylvania | $106 |
| Rhode Island | $145 |
| South Carolina | $161 |
| South Dakota | $91 |
| Tennessee | $94 |
| Texas | $144 |
| Utah | $99 |
| Vermont | $94 |
| Virginia | $118 |
| Washington | $112 |
| District of Columbia | $207 |
| West Virginia | $97 |
| Wisconsin | $80 |
| Wyoming | $74 |
Average Cost of Fiat Car Insurance by Age
Younger drivers pay significantly more for coverage than older, more experienced drivers. Teens and young adults are more likely to be involved in serious accidents, according to the Centers for Disease Control and Prevention (CDC).[3]
The table below highlights the average monthly premiums for Fiat drivers by age group:
Age Group | Average Monthly Premium |
|---|---|
| All drivers | $126 |
| Teens | $242 |
| Adults | $120 |
| Seniors | $108 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Average Cost of Fiat Car Insurance by Driving Record
Insurance companies use your driving record to determine the risk of future claims. If you have a history of speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions, you’ll pay more for insurance.
Here’s what the average Fiat car insurance premiums look like for people with different driving records, based on Compare.com data:
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $126 |
| Speeding ticket | $169 |
| At-fault accident | $180 |
| DUI | $212 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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Other Factors That Affect Fiat Car Insurance Rates
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Your location, age, and driving history play a significant role in how much you pay for car insurance, but other factors can also affect your Fiat insurance rates.
Fiat safety ratings
As of January 2026, no overall safety ratings or crash-test ratings are available for Fiat vehicles through the National Highway Traffic Safety Administration or the Insurance Institute for Highway Safety — so how the Fiat holds up in an accident is unclear.
But all 2025 Fiat models come with some standard safety features, such as drowsy driver detection, forward collision warnings, lane departure warnings, and rear backup cameras, which can help reduce the risk of accidents and lower insurance costs.
Fiat repair and replacement costs
The latest Fiat model contains some added features and technology, including touchscreen displays, keyless entry, and backup cameras. Vehicles with more technological advancements are more expensive to insure because they cost more to repair or replace.
Fiat trim levels
Higher trim levels are generally more expensive to insure. For the latest model year, there are three versions of the Fiat 500e:
Fiat 500e Red: The Red edition is the cheapest model, with prices starting at $30,500.
Fiat 500e Icona: The Icona edition starts at $32,700, and it has extra features like heated seats and heated exterior materials. With more features and a higher price tag, insurance may be more expensive.
Fiat 500e Giorgio Armani Collector’s Edition: This special edition is limited. Fiat will only make 500 for the U.S., and the 2024 Armani model has a higher starting price of $35,500. This trim level includes added features like a premium sound system, so insurance may be more expensive.
Car Insurance Coverages to Consider for Your Fiat
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While liability insurance is the only type of insurance required by law, you may need additional coverage to protect you and your vehicle. Depending on your situation, you may need one or more of the following coverages:[4]
Liability insurance: State laws require drivers to maintain bodily injury liability and property damage liability insurance in every state except New Hampshire. This coverage pays for damages or injuries you cause to another driver and their passengers in an accident, but it doesn’t cover your injuries or damages to your car.
Collision insurance: Collision insurance pays to repair your vehicle if it’s damaged in an accident.
Comprehensive coverage: Comprehensive insurance pays to repair or replace your vehicle if it’s damaged in a non-collision event, such as vandalism, theft, or severe weather.
Gap insurance: More than 80% of new vehicles are financed, according to the National Automobile Dealers Association. If you buy a brand-new car with an auto loan or lease it, gap insurance can be helpful; it pays the difference between the car’s value and your remaining loan or lease balance if the vehicle is totaled in an accident or stolen.
Fiat Car Insurance FAQs
If you’re shopping for car insurance and comparing insurance quotes for your new or used Fiat, the following answers to commonly asked questions may help.
What’s the cheapest car insurance company for a Fiat?
USAA and State Farm are the cheapest insurers for Fiat vehicles, at an average rate of $65 and $72 per month, respectively, based on Compare.com data. But your rates may vary based on your driving record, location, and credit history, so request several car insurance quotes before choosing a company.
How much does car insurance cost for a Fiat 500e?
The average cost of car insurance for the Fiat 500e is $120 per month, according to Compare.com data.
Sources
- Kelley Blue Book. "Troubled Stellantis Could Shutter Some Car Brands in 2026."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Distracted Driving Risk Factors."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Kat TretinaInsurance Writer
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