Over the past year, Jerry has helped 1,127 FIAT drivers find affordable coverage and real savings. By analyzing real FIAT car insurance policies, we know what owners are actually paying and what you can expect at each level of protection.
Competitive annual prices for FIAT drivers are currently around:
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$968 for basic coverage.
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$2,183 for standard coverage.
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$2,513 for premium coverage.
These are just benchmarks, though. Your exact rate depends on your model, driving record and location, among other personal factors.
On average, FIAT drivers pay between $2,073 and $4,356 annually for full coverage, with an average premium around $3,672. That’s below the national average of $4,107, thanks to FIAT’s small size, lower repair costs and efficient design.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal on car insurance for your FIAT, you can switch immediately, even if you’re not yet up for renewal. Jerry also does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your FIAT insurance with Jerry.
How much does FIAT auto insurance cost?
FIAT auto insurance costs vary, but Jerry makes it easy to see what real drivers with your model and profile are paying.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even two FIAT drivers in the same city can pay very different premiums. Jerry compares top insurers in real time to help you find the best coverage for your budget and lifestyle.
What’s the best car insurance for a FIAT?
FIATs are built for efficiency and personality, not excess. Your insurance should reflect that, but protecting your car doesn’t mean overpaying for coverage you don’t need.
If your FIAT is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends that FIAT drivers carry at least 100/300/100 liability with collision and comprehensive coverage. It’s higher than most state minimums, but it’s smart protection for vehicles that balance agility with practicality.
Here are the most common coverage options FIAT drivers choose and why they matter.
Higher liability limits
Compact size doesn’t eliminate risk, especially from at-fault accidents. Nearly half (41%) of Jerry FIAT drivers choose higher-than-minimum liability limits to protect against costly accidents.
Full coverage
Comprehensive and collision cover theft, weather and at-fault damage. Around 35% of FIAT drivers carry full coverage for extra peace of mind.
OEM parts coverage
Keeps your FIAT in peak condition after a crash, with manufacturer-approved parts and skilled technicians. Typically available for vehicles between three and ten years old.
New car replacement
Replaces your FIAT with a new one if it’s totaled early in ownership. Especially valuable for newer models like the 500e.
Roadside assistance
Covers towing, jump-starts and lockouts. FIAT offers five years of complimentary roadside assistance on new vehicles, but many drivers extend it for added security.
Rental reimbursement
Pays for a rental car while your FIAT is being repaired. Most insurers offer 30 to 45 days of coverage, depending on your plan and state.
Gap insurance
Covers the remaining balance on your lease or loan if your FIAT is totaled. About 39% of all drivers add gap coverage when financing a vehicle.
Accident forgiveness
Keeps your rate from rising after your first at-fault accident. Without it, FIAT drivers see premiums rise by nearly 46% on average.
See coverage options for your FIAT.
4 smart ways FIAT drivers can shop and lower insurance costs
Finding the right insurance means balancing cost with coverage and simplicity. For FIAT drivers, that balance depends on your model, driving habits and where you live.
Jerry’s experts help FIAT owners lower premiums without sacrificing protection that fits their cars. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 39% to 67% among FIAT drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes before your next renewal
Not every insurer prices FIAT coverage correctly. Some overestimate risk for small vehicles, while others recognize their low repair costs. Comparing before renewal helps you find the most accurate rate.
Here’s where FIAT drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | FIAT drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 100% | 40% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: FIAT drivers can save nearly half by comparing quotes. Jerry shows real prices in real time so you can choose your best deal before you buy.
Tip 2: Combine discounts for extra savings
FIAT drivers often qualify for multiple discounts like multi-policy, good driver or low-mileage, but many aren’t applied automatically. Jerry checks the available options so you never miss a savings opportunity.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Adjust your coverage to fit your FIAT
From the city-friendly 500 to the all-wheel-drive 500X, every FIAT has unique insurance needs. Many drivers choose more than the minimum required coverage, keeping full coverage on newer models and adjust deductibles or extras as their cars age.
Minimum
$74 – $158/mo
Offers the legal minimum limits, which vary by state.
Full
$134 – $283/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$172 – $379/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$186 – $385/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most FIAT drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend 100/300/100 for balanced, affordable protection.
Tip 4: Keep a clean driving record
Telematics programs track how you drive, including things like mileage, braking and acceleration. Insurers then use this data to personalize your insurance price. For FIAT drivers, these programs can lead to average savings of around 6%, especially for those who drive smoothly or put fewer miles on the road.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real FIAT drivers, real savings
See what FIAT owners are actually saving. Here are real drivers, their vehicles and the deals they found after comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
FIAT car insurance costs can vary, but overpaying doesn’t have to be part of the equation. Whether you drive a 500e, 500X or a classic 124 Spider, Jerry helps you find coverage that fits your Fiat’s efficiency, personality and value.
We compare top insurers, uncover discounts and manage renewals so your coverage stays simple, smart and affordable.
It only takes 2 minutes to sign up at Jerry.
FAQs
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How much does FIAT 124 Spider car insurance cost?
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Why is FIAT capitalized?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
