Fiat 124 Spider Insurance Cost
Full coverage for a Fiat 124 Spider costs about $1,615 a year ($134/month) by our estimate — ▲ +2% versus the average vehicle.
Fiat 124 Spider insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2020 model year. Our vehicle data covers the 2017–2020 model years of the Fiat 124 Spider, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $690 | $57 | $565–$810 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $995 | $83 | $815–$1,175 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,615 | $134 | $1,325–$1,905 |
What drives the cost of insuring a Fiat 124 Spider
HLDI does not publish loss results for the Fiat 124 Spider, so our estimate uses the typical losses of its segment (Sports car): 1.12× average for liability, 1.35× for collision and 1.15× for comprehensive.
- Repair and parts costs: Sports car — performance models see more frequent and costlier crashes.
- Recalls & complaints: 3 NHTSA recall campaigns and 33 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Fiat 124 Spider trims and configurations (2020)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| 124 Spider | RWD | 1.4L 4-cyl Turbo | 30 |
Fiat 124 Spider insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2020 | 1.4L 4-cyl Turbo | RWD | 29–30 | $1,615 |
| 2019 | 1.4L 4-cyl Turbo | RWD | 29–30 | $1,575 |
| 2018 | 1.4L 4-cyl Turbo | RWD | 29–30 | $1,530 |
| 2017 | 1.4L 4-cyl Turbo | RWD | 29–30 | $1,490 |
Fiat 124 Spider insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.
| State | Full coverage | Minimum | vs. national |
|---|---|---|---|
| Alabama | $1,385 | $535 | −14% |
| Alaska | $1,410 | $700 | −13% |
| Arizona | $1,695 | $740 | +5% |
| Arkansas | $1,390 | $500 | −14% |
| California | $1,575 | $640 | −2% |
| Colorado | $1,805 | $730 | +12% |
| Connecticut | $1,735 | $795 | +7% |
| Delaware | $1,840 | $900 | +14% |
| District of Columbia | $2,025 | $830 | +25% |
| Florida | $2,365 | $1,210 | +46% |
| Georgia | $2,030 | $975 | +26% |
| Hawaii | $1,105 | $485 | −32% |
| Idaho | $1,090 | $450 | −33% |
| Illinois | $1,390 | $560 | −14% |
| Indiana | $1,135 | $455 | −30% |
| Iowa | $1,060 | $345 | −34% |
| Kansas | $1,250 | $450 | −23% |
| Kentucky | $1,360 | $590 | −16% |
| Louisiana | $2,240 | $885 | +39% |
| Maine | $1,015 | $475 | −37% |
| Maryland | $1,825 | $845 | +13% |
| Massachusetts | $1,585 | $665 | −2% |
| Michigan | $1,750 | $860 | +8% |
| Minnesota | $1,320 | $525 | −18% |
| Mississippi | $1,520 | $595 | −6% |
| Missouri | $1,445 | $575 | −11% |
| Montana | $1,245 | $440 | −23% |
| Nebraska | $1,255 | $450 | −22% |
| Nevada | $1,905 | $970 | +18% |
| New Hampshire | $1,140 | $450 | −29% |
| New Jersey | $1,985 | $1,050 | +23% |
| New Mexico | $1,435 | $580 | −11% |
| New York | $2,200 | $1,040 | +36% |
| North Carolina | $1,180 | $500 | −27% |
| North Dakota | $990 | $310 | −39% |
| Ohio | $1,140 | $455 | −29% |
| Oklahoma | $1,420 | $530 | −12% |
| Oregon | $1,470 | $700 | −9% |
| Pennsylvania | $1,390 | $475 | −14% |
| Rhode Island | $1,975 | $920 | +22% |
| South Carolina | $1,745 | $820 | +8% |
| South Dakota | $1,170 | $355 | −28% |
| Tennessee | $1,320 | $505 | −18% |
| Texas | $1,885 | $775 | +17% |
| Utah | $1,485 | $730 | −8% |
| Vermont | $1,025 | $355 | −37% |
| Virginia | $1,385 | $700 | −14% |
| Washington | $1,425 | $660 | −12% |
| West Virginia | $1,320 | $490 | −18% |
| Wisconsin | $1,085 | $415 | −33% |
| Wyoming | $1,195 | $365 | −26% |
Fiat 124 Spider insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,890 | $2,740 | $4,435 | $370 |
| Young adult (22) | $1,100 | $1,595 | $2,580 | $215 |
| Adult in their 30s | $690 | $995 | $1,615 | $135 |
| Adult in their 50s | $635 | $915 | $1,485 | $124 |
| Senior (72) | $770 | $1,115 | $1,805 | $150 |
| 30s, one at-fault accident | $995 | $1,445 | $2,340 | $195 |
| 30s, DUI on record | $1,270 | $1,845 | $2,985 | $249 |
Fiat 124 Spider vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Fiat 124 Spider | $1,615 | — | — | — |
| Mazda MX-5 Miata | $1,280 | 83 | 69 | — |
| Ford Mustang | $1,865 | 184 | 115 | — |
| Chevrolet Corvette | $1,520 | 127 | 98 | — |
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Frequently asked questions
How much is insurance for a Fiat 124 Spider?
We estimate about $1,615 a year ($134 a month) for full coverage and $690 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% more than the average vehicle.
Which state is cheapest to insure a Fiat 124 Spider?
North Dakota has the lowest estimate (about $990 a year for full coverage) and Florida the highest (about $2,365).
Is the Fiat 124 Spider cheaper to insure than the Mazda MX-5 Miata?
By our estimate the Fiat 124 Spider costs about $1,615 a year versus $1,305 for the Mazda MX-5 Miata, making the Mazda MX-5 Miata cheaper to insure.
How much is Fiat 124 Spider insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $4,435 a year at national-average rates by our estimate.
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.