Compare Fiat Car Insurance Rates [2023]

If you drive a Fiat, you need proper coverage for your vehicle. But don’t get discouraged about the process. It’s quite simple to find affordable Fiat car insurance that meets your state’s requirements for coverage. Still, you may want to purchase additional coverage to feel protected when you’re behind the wheel.

The average cost of car insurance for a Fiat is around $1,450 annually or $121 per month on average. Your Fiat model and year will significantly impact your cost of coverage, as will your age, ZIP code, gender, driving history, and credit score. 

To find the most affordable Fiat coverage in your area, you must compare car insurance quotes from different insurance companies. When you compare Fiat car insurance rates online, you can find the best coverage near you for a price that suits your budget. 

Do I need car insurance on my Fiat? 

There are different minimum car insurance requirements by state, but most states require at least a minimum amount of liability car insurance. So if you own a Fiat, chances are you’ll need at least a liability-only policy for your car.

A minimum coverage policy in your state will require the following:

• Property damage liability: Property damage liability insurance covers you if you cause an accident and damage someone’s vehicle or other personal property. 
• Bodily injury liability: Bodily injury liability covers you if you cause an accident and one or more people are injured. 

The amount of property damage and bodily injury liability you need on your Fiat depends on where you live. In addition to liability insurance, some states require one or more of the following car insurance coverages: 

• Personal injury protection (PIP): Personal injury protection coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident.
• Medical payments (MedPay): MedPay helps with medical bills like visits to the doctor and hospital stays. 
• Uninsured/underinsured motorist coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle.

You can check with your state’s department of motor vehicles or a representative from any car insurance company you’re considering to learn more about the types of car insurance you have to carry in your state. However, if PIP, MedPay, and uninsured or underinsured motorist coverage are not required, you may still want to purchase them for peace of mind. 

What is full coverage for a Fiat? 

You may feel comfortable driving your Fiat with a minimum coverage policy or want to purchase additional coverage for your vehicle. You can buy a full coverage policy for your car that will help protect you financially if you’re ever in an accident or if someone or something damages your Fiat.

A full coverage policy includes:

• Collision insurance: Collision insurance pays for damage to your vehicle if you cause an accident. Collision will cover your Fiat up to its actual cash value (ACV).
• Comprehensive insurance: Comprehensive car insurance pays if theft, vandalism, wild animals, or inclement weather damage your Fiat. 

You probably need a full coverage policy if you have a loan or lease on your Fiat. Additionally, if you drive a new Fiat or one with a fairly high ACV, you should consider buying full coverage for your car so you won’t have to pay out of pocket if someone or something damages your vehicle.

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Can you get Fiat car insurance discounts? 

If you drive a Fiat, you may qualify for certain car insurance discounts. Depending on the discount and the company, you could save significantly on your monthly or annual car insurance rates. Some of the most common discounts Fiat drivers enjoy include:

• Good student discount
• Defensive driver discount
• Safety features discount
• New car discount
• Affiliation discount
• Loyalty discount
• Multi-car discount
• Multi-policy discount
• Paid-in-full discount

If you believe you may qualify for one or more discounts, speak with a representative from any company you’re considering. Car insurance discounts can help you save up to 25% on your car insurance premium.

How much are Fiat car insurance rates?

The average cost of Fiat insurance is $1,450 annually or $121 per month on average. While Fiats are not expensive to insure compared with many other makes and models, Fiat insurance costs vary based on the type of car you drive, the year of your vehicle, and several other factors. 

How much does Fiat 500 insurance cost? 

The cost of Fiat 500 insurance varies based on the model. For example, while Fiat 500 insurance rates are around $1,455 annually or $121 per month, Fiat 500 Abarth insurance costs up to $2,750 annually or $229 each month. In comparison, Fiat 500E insurance costs much less at around $1,438 annually or $120 each month.

How can I compare Fiat car insurance rates?

The best way to find affordable car insurance for your Fiat is to find and compare car insurance quotes from different insurance companies in your area. 

When you compare quotes, you learn what you can expect to pay for coverage for your vehicle. In addition, you learn which companies can offer you the coverage you want for your vehicle at a price that beats the competition. For example, you may find that rates for Fiat coverage are higher than you expected. If that’s the case, you can increase your deductible to help offset the cost.

Don’t increase your car insurance deductible if you cannot afford to pay it. The last thing you want to do is get in a car accident and not be able to pay your deductible for vehicle repairs and liability coverage. Still, increasing your deductible could help you save money on your monthly or annual car insurance rates. 

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Compare Fiat Car Insurance Rates: The Bottom Line

You need proper car insurance coverage in your state to drive your Fiat. Fortunately, finding coverage for your Fiat should not be all that difficult. You’re likely to find that several companies are willing to insure your vehicle. 

Once you know the type of car insurance you need, you can compare quotes for coverage to see which company in your area offers the most affordable coverage. For example, if Fiat car insurance is too expensive and you need lower rates, you can search for discounts on your car insurance to save up to 25% on your monthly or annual rates.

You should compare car insurance quotes for your Fiat at least once a year, even if you like your coverage, to ensure you aren’t paying too much for coverage.

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