Insuring a Fiat costs about $1,054 a year for a typical model at the US average — below average — cheaper than most brands. The cheapest is the 500 (~$985/yr), the priciest the 500L (~$1,537/yr). Your own rate shifts with your state, age and record — but the model you pick sets the baseline.
Fiat insurance cost by model
Estimated annual premium for every Fiat model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| 500 | $985/yr | 69% of avg | Cheap |
| 500X | $1,054/yr | 73% of avg | Cheap |
| 500L | $1,537/yr | 107% of avg | Average |
Cheapest Fiats to insure
The Fiat models that cost the least to insure at the US average.
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Fiat insurance cost by state — all 50
Where you live moves a Fiat premium as much as which model you pick. A typical Fiat (index 73) runs about $1,461/yr in Florida but only $679/yr in Maine — a swing of over $782 on the same car.
Estimated annual premium for a typical Fiat in every state, priciest first.
| State | Typical Fiat / yr | vs US average |
|---|---|---|
| Florida | $1,461/yr | +39% vs US |
| Louisiana | $1,451/yr | +38% vs US |
| New York | $1,390/yr | +32% vs US |
| District of Columbia | $1,333/yr | +26% vs US |
| Georgia | $1,280/yr | +21% vs US |
| Texas | $1,266/yr | +20% vs US |
| Rhode Island | $1,253/yr | +19% vs US |
| New Jersey | $1,241/yr | +18% vs US |
| Colorado | $1,213/yr | +15% vs US |
| Maryland | $1,174/yr | +11% vs US |
| Nevada | $1,173/yr | +11% vs US |
| Michigan | $1,152/yr | +9% vs US |
| Delaware | $1,150/yr | +9% vs US |
| South Carolina | $1,112/yr | +6% vs US |
| Connecticut | $1,106/yr | +5% vs US |
| Arizona | $1,103/yr | +5% vs US |
| California | $1,038/yr | -2% vs US |
| Massachusetts | $1,036/yr | -2% vs US |
| Mississippi | $1,022/yr | -3% vs US |
| Oklahoma | $971/yr | -8% vs US |
| Missouri | $969/yr | -8% vs US |
| New Mexico | $954/yr | -9% vs US |
| Arkansas | $950/yr | -10% vs US |
| Utah | $942/yr | -11% vs US |
| Pennsylvania | $933/yr | -11% vs US |
| Alabama | $930/yr | -12% vs US |
| Oregon | $930/yr | -12% vs US |
| Alaska | $925/yr | -12% vs US |
| Illinois | $921/yr | -13% vs US |
| Virginia | $908/yr | -14% vs US |
| Washington | $905/yr | -14% vs US |
| West Virginia | $900/yr | -15% vs US |
| Minnesota | $897/yr | -15% vs US |
| Tennessee | $888/yr | -16% vs US |
| Kentucky | $886/yr | -16% vs US |
| Nebraska | $868/yr | -18% vs US |
| Montana | $868/yr | -18% vs US |
| Kansas | $866/yr | -18% vs US |
| Wyoming | $865/yr | -18% vs US |
| South Dakota | $848/yr | -20% vs US |
| North Carolina | $804/yr | -24% vs US |
| Ohio | $761/yr | -28% vs US |
| New Hampshire | $756/yr | -28% vs US |
| Indiana | $756/yr | -28% vs US |
| Iowa | $740/yr | -30% vs US |
| Wisconsin | $733/yr | -30% vs US |
| Hawaii | $732/yr | -31% vs US |
| Idaho | $719/yr | -32% vs US |
| North Dakota | $705/yr | -33% vs US |
| Vermont | $702/yr | -33% vs US |
| Maine | $679/yr | -36% vs US |
Estimate a specific Fiat model in your state →
Fiat insurance cost by year
A typical Fiat costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Fiat premium by year (US average):
| Year | Typical Fiat / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.