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: across 3 Fiats that baseline spans $985 to $1,537 a year.
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 — all 3 of them, from the 500 up to the 500L.
| 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.
Know what a car really costs to insure and own.
- Your personalized rate by coverage, age and deductible
- Insurance folded into the 5-year cost to own
- Full breakdown: what each coverage actually costs
- Compare insurance across cars, side by side
- No ads, no tracking — and much more
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.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Fiat figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Fiat insurance — frequently asked
Is Fiat expensive to insure?
Fiat is below average — cheaper than most brands to insure — a typical model runs about $1,054/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $985 to $1,537.
What is the cheapest Fiat to insure?
The 500 is the cheapest Fiat to insure in our data — around $985/yr at the national average, about 32% below a typical car.
What is the most expensive Fiat to insure?
The 500L is the priciest Fiat to insure — roughly $1,537/yr, about 7% above the average car.
How much is insurance on a Fiat per month?
A typical Fiat costs about $88/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Fiat runs about $82/month, the priciest $128.
How is this Fiat estimate calculated?
We combine each Fiat model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.