Fiat Insurance Cost
Across 1 current Fiat models, full coverage averages about $1,555 a year by our estimate — −2% versus the average vehicle ($1,590).
Fiat insurance profile
Fiat’s lineup is made up mostly of 1 subcompact car.
Every Fiat model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| 500e | Subcompact car | 2013–2026 | — | $1,555 | −2% |
Older and discontinued Fiat models
- 500X 2016–2023
- 124 Spider 2017–2020
- 500L 2014–2020
- 500 2012–2019
What makes Fiat insurance cost more or less
- EV batteries: 1 electric model — battery packs and high-voltage components are costly to repair or replace after a crash.
- Segment mix: 1 subcompact car.
Average Fiat insurance cost by state
Average full-coverage estimate across current Fiat models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,010 | −35% |
| North Dakota | $1,010 | −35% |
| Vermont | $1,030 | −34% |
| Iowa | $1,070 | −31% |
| Idaho | $1,075 | −31% |
| Wisconsin | $1,080 | −31% |
| Hawaii | $1,095 | −30% |
| Indiana | $1,125 | −28% |
| New Hampshire | $1,130 | −27% |
| Ohio | $1,135 | −27% |
| North Carolina | $1,180 | −24% |
| South Dakota | $1,195 | −23% |
| Wyoming | $1,225 | −21% |
| Montana | $1,255 | −19% |
| Kansas | $1,260 | −19% |
| Nebraska | $1,260 | −19% |
| Tennessee | $1,315 | −15% |
| Minnesota | $1,320 | −15% |
| West Virginia | $1,320 | −15% |
| Kentucky | $1,335 | −14% |
| Virginia | $1,365 | −12% |
| Illinois | $1,375 | −12% |
| Alabama | $1,380 | −11% |
| Pennsylvania | $1,385 | −11% |
| Washington | $1,385 | −11% |
| Alaska | $1,390 | −11% |
| Arkansas | $1,395 | −10% |
| New Mexico | $1,420 | −9% |
| Oklahoma | $1,425 | −8% |
| Oregon | $1,430 | −8% |
| Missouri | $1,435 | −8% |
| Utah | $1,445 | −7% |
| Mississippi | $1,510 | −3% |
| California | $1,560 | 0% |
| Massachusetts | $1,565 | +1% |
| Arizona | $1,665 | +7% |
| Connecticut | $1,690 | +9% |
| South Carolina | $1,695 | +9% |
| Michigan | $1,730 | +11% |
| Delaware | $1,775 | +14% |
| Maryland | $1,785 | +15% |
| Colorado | $1,790 | +15% |
| Nevada | $1,830 | +18% |
| Texas | $1,875 | +21% |
| New Jersey | $1,920 | +23% |
| Rhode Island | $1,925 | +24% |
| Georgia | $1,970 | +27% |
| District of Columbia | $2,000 | +29% |
| New York | $2,135 | +37% |
| Louisiana | $2,195 | +41% |
| Florida | $2,275 | +46% |
Frequently asked questions
How much does it cost to insure a Fiat?
Across 1 current Fiat models, our full-coverage estimate averages $1,555 a year for a driver in their 30s with a clean record, 2% less than the average vehicle ($1,590).
What is the cheapest Fiat to insure?
The Fiat 500e has the lowest estimate at about $1,555 a year for full coverage; the Fiat 500e is the most expensive at about $1,555.
Where is it cheapest to insure a Fiat?
By our estimates, Maine is the cheapest state (about $1,010 a year on average across current models) and Florida the most expensive (about $2,275).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.