Best Fiat Car Insurance Quotes (2025)

Fiat vehicles have developed a comprehensive line of vehicles from compact to luxury sport. If you’re the proud owner of a Fiat, or if you’re looking to scoop one up from your local dealer, you’re the type of driver who wants tradition and class but at a reasonable value.

Fiats are steadily growing more common on the roads, but they’re still a lesser-seen vehicle, and it’s a little more expensive to insure a Fiat as compared to the average. Still, Fiat insurance is about more than price, so let’s make sure you make the best use of the coverage options at hand to find the best car insurance for you.

The first step in any case is to gather as many quotes as you can find. But remember — not all quotes are created equal. Maybe you need liability coverage, full coverage, or more. Let’s talk through some of the options you might like to consider, and then we’ll see how much you should expect to pay. This should help you find the best Fiat car insurance quotes.

Comparing Fiat Car Insurance Coverage Options

Your car is more than a mere automobile. It’s a valuable asset. Apart from your home, it’s possibly the next most expensive item you own, so insuring it properly is a must. Insurance companies offer a slew of options, and you may need some, if not all of them. Let’s cover a few:

• Liability coverage: Part of the car insurance requirements in most states, liability coverage is the foundation of all car insurance policies. Whether you cause an accident, a pileup, run over a neighbor’s mailbox, or cause injuries to another party, your liability coverage steps in to protect you in some of the most common — and worst — situations.

• Comprehensive car insurance coverage: To protect your Fiat, comprehensive coverage may very well be a necessity. In today’s economy, windshields commonly run north of $1,000 to replace, and many states waive car insurance deductibles for windshield repair/replacement. Comprehensive coverage also kicks in when you need to file claims regarding theft, falling objects, floods, or a variety of other external causes which don’t involve your vehicle colliding with another object.

• Collision coverage: Suppose you’ve still got payments to make, whether loan or lease. Comprehensive and collision will be required by your lienholder/lessee to protect their investment. If it’s paid off, neither is required, but both are worth looking into. Liability (listed above) pays for damages or injury to the other party’s person/vehicle if you cause an accident, but liability does not pay to fix your vehicle in such an instance. The best collision car insurance companies offer it as a means of repairing or replacing your vehicle in the event of an at-fault accident.

• Underinsured Coverage: This largely unknown coverage could be a lifesaver under the right circumstances. In many states, the required liability coverage one needs to drive covers far less in property damage than would be necessary to replace your vehicle. For instance, if someone totals your vehicle in a state which requires that they carry only $25,000 in property damage liability, you could be left to pay any remaining costs of replacement in an accident you didn’t cause. Underinsured coverage steps in to make up the difference between the offending driver’s liability limit and the cost of medical/property damage. While most Fiat models don’t exceed the $25,000 mark, in an accident involving a multi-car pileup, this can still be a huge problem.

• Roadside assistance: This is a relatively cheap option at most insurance companies, but it may help you evade the costliest of claims. Abandoning a vehicle raises the chances of vandalism and theft, so a few extra bucks a year may protect your purchase and give you peace of mind.

Selecting the Best Fiat Car Insurance Company

Who should you choose for Fiat car insurance? In truth, it varies from place to place and person to person. How much do Fiats cost to insure? The cost will vary based on the model. Fiat 500 insurance rates are different from Fiat 500X insurance rates. Check the table below to learn the average Fiat 500 insurance cost and how it compares to other models.

Average Monthly Full Coverage Car Insurance Rates for Fiat Vehicles by Model

Price is naturally a determining factor, but it should never be the sole measure. Check around to see who has the best ratings and allow those to factor in with the Fiat insurance cost at a company.

In the event of a claim, who do you trust to address your needs quickly, help you secure a rental vehicle, or help you find the right body shop? Every provider does business differently, so which insurance company is best for Fiat car insurance could have more to do with your personality than the fine print of any insurance contract.

If you prefer interacting face-to-face, opt for an agent. Captive agents can quote you with a single company, while independent agents (brokers) can quote you from a variety of companies at once, plus they serve as your face-to-face contact in the event of an emergency, claim, or crisis. (For more information, read our “What is the difference between a captive and independent car insurance agent?“).

Other companies prefer to operate without local agents. This may save on expenses, but if you’re an in-person customer, it may not be worth the headache. If, however, you prefer to do your business online or via an app, the reverse could be true.

Is Fiat car insurance cheap?

In today’s car market, all claims are costlier than usual and perhaps more expensive than ever. Prices are on the rise, and quality vehicles are becoming scarce. In today’s economy, Fiat car insurance is about more than simply a bottom line. It’s worth finding the insurer who provides you the peace of mind you deserve. If you’re concerned that your current insurer doesn’t have your back, do yourself a favor and nab a quote or two.