Best Fiat Car Insurance Rates in 2025 (Your Guide to the Top 10 Companies)

Progressive, USAA, and Allstate have the best Fiat car insurance rates for drivers.

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. The following companies offer the best rates for Fiat auto insurance. 

Our Top 10 Company Picks: Best Fiat Car Insurance Rates

To find the most affordable Fiat coverage in your area, you must get competitive 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. 

#1 – Progressive: Top Pick Overall

Pros

• Snapshot Program: Good drivers can save on their Fiat insurance with the Snapshot discount program.
• Young Driver Discounts: Progressive has good student discounts for young drivers.
• Coverage Options: Fiat owners can personalize policies with add-ons. Read our Progressive review for more information.

Cons

• Snapshot Rate Increases: Snapshot only benefits good drivers, as it does raise rates for poor driving.
• Customer Loyalty: Progressive doesn’t retain as many customers as other companies.

#2 – USAA: Best for Military Benefits

Pros

• Military Benefits: USAA offers benefits to its members, such as shopping discounts. Learn more in our USAA review.
• SafePilot: Save up to 30% on your Fiat insurance policy with SafePilot.
• Bundling Discount: USAA sells much more than just auto insurance.

Cons

• Add-On Coverages: USAA doesn’t have many specialty add-on coverages for policies.
• Eligibility: Fiat owners can only buy insurance if they are service members or veterans.

#3 – Allstate: Best for Drivewise Savings

Pros

• Drivewise Savings: Good drivers can save on their Fiat insurance. Learn more in our Allstate Drivewise review.
• Milewise Insurance: Milewise by Allstate is pay-per-mile insurance. Low mileage Fiat drivers can learn more in our Allstate Milewise review.
• New Car Replacement: An add-on coverage that is great for owners of new Fiat models.

Cons

• Customer Reviews: Allstate struggles with having a higher-than-average number of customer complaints.
• Telematics Tracking: Fiat owners must be okay with their driving data being tracked for Milewise and Drivewise.

#4 – State Farm: Best for Reliable Coverage

Pros

• Reliable Coverage: State Farm has high financial management ratings, making it one of the more reliable providers.
• Discount Variety: Fiat owners can save with multiple discount opportunities.
• Local Assistance: State Farm agents can be easily found near most customers. Read more in our State Farm car insurance review.

Cons

• Online Tools: State Farm focuses on in-person assistance, so online functions can be more limited.
• Bad Credit Rates: Like most companies, State Farm will charge more if drivers have bad credit scores.

#5 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Easily customize Fiat auto insurance policies at Liberty Mutual. Learn more in our Liberty Mutual review.
• RightTrack: Signing up for RightTrack could save Fiat drivers up to 30% if they practice safe driving habits.
• Young Driver Discount: Young Fiat owners can apply for good student discounts.

Cons

• Claims Satisfaction: Customers have left negative feedback about their claims filing experience.
• Telematics Tracking: RightTrack tracks Fiat drivers’ driving data before issuing a discount.

#6 – Nationwide: Best for Vanishing Deductible

Pros

• Vanishing Deductible: Nationwide reduces deductibles for claim-free drivers each policy period.
• SmartMiles: Pay-per-mile coverage is sold through SmartMiles and is great for low-mileage Fiat drivers.
• Young Driver Discounts: Save with good student discounts and other Nationwide car insurance discounts.

Cons

• Availability: Fiat owners won’t be able to purchase coverage if they live in one of the few states Nationwide doesn’t sell in.
• High-Risk Driver Rates: Nationwide shouldn’t be Fiat owner’s first choice if they have poor driving records.

#7 – Amica: Best for Customer Satisfaction

Pros

• Customer Satisfaction: Most customers are satisfied with Amica’s customer service.
• New Car Replacement: Available as an add-on coverage for new Fiat models.
• Discount Variety: Fiat owners have several discounts to choose from.

Cons

• Availability: Coverage is not sold in every state.
• No Diminishing Deductible: Amica doesn’t reduce car insurance deductibles for claims-free drivers.

#8 – Farmers: Best for Coverage Options

Pros

• Coverage Options: Fiat owners can purchase well-rounded policies due to Liberty Mutual’s coverage options.
• Signal App: Save up to 30% on your insurance with Signal if you are a good driver. Read our Signal review to learn more.
• Roadside Assistance: Available as an add-on coverage and provides towing and roadside assistance to Fiat owners.

Cons

• Availability: Farmers is restricting new policy sales in some states like Florida.
• Customer Satisfaction: Not always scored highly by customers.

#9 – Travelers: Best for Discount Variety

Pros

• Discount Variety: There are discounts for every type of driver at Travelers.
• IntelliDrive Program: IntelliDrive users can save up to 30% on their Fiat insurance.
• Coverage Options: Plenty of extras are available to purchase. See what’s available in our Travelers review.

Cons

• IntelliDrive Rates: Poor drivers should know that participating in the IntelliDrive program could raise their rates.
• Claims Satisfaction: Rated as just average by the majority of consumers.

#10 – Geico: Best for Low Rates

Pros

• Low Rates: Geico has consistently low rates for good drivers. Learn more in our Geico review.
• Young Driver Discounts: Young Fiat owners can apply for several discounts.
• Roadside Assistance: An optional add-on that can be purchased by Fiat owners.

Cons

• High-Risk Rates: Geico’s rates are less competitive for Fiat owners with poor driving records.
• Add-On Coverages: Geico doesn’t offer a few extras like gap insurance.

Fiat Car Insurance Coverages 

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. 

Fiat Full Coverage

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.

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, such as a forward collision warning discount, speak with a representative from any company you’re considering.

 

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Car insurance discounts can help you save up to 25% on your car insurance premium.

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. 

Car Insurance Monthly Rates for Fiat by Coverage Level & Provider

When you compare quotes, you learn what you can expect to pay for coverage for your vehicle. Drivers can get Fiat insurance quotes directly from companies like Progressive. 

A perk of getting quotes is that 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 car insurance deductible to help offset the cost.

Increasing your deductible could help you save money on your monthly or annual car insurance rates.

Fiat Car Insurance Rates by Model

Quickly compare car insurance rates for the Fiat 124 Spider model.

Cheaper Fiat models will have lower auto insurance rates.

Best 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 car insurance discounts 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. Enter your ZIP in our free tool to find cheap Fiat car insurance quotes today.