FIAT 124 Spider Car Insurance Cost 2025
The average cost of insuring a FIAT 124 Spider is $816 per year. However, the actual premium may vary depending on factors like your age, the car’s model year, and other individual details. You can use our quote tables below to get an estimate tailored to your specific needs.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a FIAT 124 Spider, one crucial consideration is the insurance cost. On average, insurance for a FIAT 124 Spider costs $816 per year. Insurance plays a vital role in owning a car, and it’s essential to understand its implications before making a purchase decision.
Choosing the right insurance policy is important to avoid unexpected and potentially high expenses in the future. Inadequate coverage during accidents can lead to significant out-of-pocket costs. Moreover, if you’re found at fault, your premiums might increase.
Having analyzed car insurance rates for over a decade, I’ve observed the considerable variation in costs. Factors like age, driving history, and location can significantly impact insurance premiums. It’s crucial to take these factors into account when evaluating insurance options for your FIAT 124 Spider.
How Much Does A FIAT 124 Spider Car Insurance Cost?
Typically, FIAT 124 Spider owners can expect to pay an average of $816 per year for car insurance.
While IMT Insurance Company’s pricing serves as a useful reference point, it’s crucial to recognize that car insurance costs can vary significantly due to various factors. These factors include where you reside, your driving history, the age of your vehicle, and the specific coverage options you select. Maintaining a clean driving record generally results in lower premiums, whereas a record of accidents or traffic violations can lead to higher costs.
Moreover, urban areas with heavy traffic tend to have higher insurance rates compared to rural areas with less traffic. The type of coverage you opt for also plays a role – comprehensive coverage, which includes protection against various scenarios like theft and accidents, typically costs more than basic liability coverage.
Insuranceopedia aims to assist you in comparing quotes from different insurance providers, ensuring that you secure the most favorable deal for your needs.
Average Insurance Cost Of FIAT 124 Spider By Model Year
| Model Year | Average Premium |
| 2020 FIAT 124 Spider | $1,640 |
| 2019 FIAT 124 Spider | $980 |
| 2018 FIAT 124 Spider | $1,454 |
| 2017 FIAT 124 Spider | $1,244 |
2020 FIAT 124 Spider Insurance Rates
The average annual insurance cost for a 2020 FIAT 124 Spider is $1,640. However, Texas Farm Bureau Group offers the cheapest rates, averaging $816 per year.
| Insurance Provider | Average Annual Cost |
| GMAC Insurance Group | $1,886 |
| Esurance | $1,541 |
| CSAA | $1,994 |
| Chubb | $1,916 |
| Erie | $1,495 |
| Republic Indemnity | $1,670 |
| Texas Farm Bureau Group | $816 |
| Mercury | $1,963 |
| USAA | $1,553 |
| North Carolina Farm Bureau | $1,563 |
2019 FIAT 124 Spider Insurance Rates
The average annual insurance cost for a 2019 FIAT 124 Spider is $980. However, American National P offers the cheapest rates, averaging $582 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,151 |
| Farm Bureau Mutual (IA Group) | $948 |
| American National P | $582 |
| Hastings Mutual Insurance Co | $711 |
| Mercury Insurance Company | $1,289 |
| IMT Insurance Company | $968 |
| American Family | $1,126 |
| Allied | $1,067 |
| Nationwide | $1,073 |
| Pekin Insurance | $885 |
2018 FIAT 124 Spider Insurance Rates
The average annual insurance cost for a 2018 FIAT 124 Spider is $1,454. However, Texas Farm Bureau Group offers the cheapest rates, averaging $804 per year.
| Insurance Provider | Average Annual Cost |
| Kentucky Farm Bureau | $1,455 |
| USAA | $1,490 |
| Motorists Mutual | $1,312 |
| Texas Farm Bureau Group | $804 |
| Westfield | $1,449 |
| Esurance | $1,518 |
| Central Mutual Insurance Co | $1,728 |
| Republic Indemnity | $1,662 |
| Cincinnati Insurance | $1,471 |
| Country | $1,647 |
2017 FIAT 124 Spider Insurance Rates
The average annual insurance cost for a 2017 FIAT 124 Spider is $1,244. However, Erie offers the cheapest rates, averaging $669 per year.
| Insurance Provider | Average Annual Cost |
| Erie | $669 |
| USAA | $1,329 |
| Penn National | $1,266 |
| 21st Century | $1,488 |
| Mississippi Farm Bureau | $1,184 |
| National General | $1,533 |
| Donegal Mutual Insurance Co | $1,329 |
| Country | $1,123 |
| Texas Farm Bureau Group | $1,101 |
| Capital Insurance Group | $1,421 |
Find Affordable FIAT 124 Spider Insurance Rates
Cost of FIAT 124 Spider Car Insurance By Age
Age plays a crucial role in determining insurance rates for any vehicle. Teenagers generally face the highest premiums since, statistically, they are more likely to be involved in car accidents. As drivers get older, their insurance premiums typically decrease, as they are considered a lower risk to insurers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,627 | $9,761 | $11,391 |
| 18 | $6,169 | $9,077 | $10,624 |
| 19 | $5,450 | $8,033 | $9,407 |
| 20 | $4,769 | $7,002 | $8,205 |
| 21 | $3,991 | $5,867 | $6,870 |
| 22 | $3,910 | $5,735 | $6,685 |
| 23 | $3,396 | $5,017 | $5,848 |
| 24 | $3,225 | $4,767 | $5,552 |
| 25 | $2,794 | $4,111 | $4,786 |
| 30 | $2,193 | $3,178 | $3,728 |
| 35 | $2,057 | $2,981 | $3,516 |
| 40 | $1,942 | $2,885 | $3,364 |
| 45 | $1,909 | $2,817 | $3,280 |
| 55 | $1,750 | $2,569 | $3,016 |
| 65 | $1,842 | $2,661 | $3,154 |
| 75 | $2,284 | $3,366 | $3,964 |
FIAT 124 Spider Car Insurance Rates By State
Where you live plays a major role in how insurance companies determine rates. Each state has its own regulations regarding auto insurance— for example, Michigan drivers often pay higher premiums because the state requires higher levels of coverage. Additionally, the climate in your area can impact rates, with states experiencing extreme weather like hurricanes, storms, and flooding.
Moreover, insurance companies take into account local crime statistics and accident rates, such as car thefts, crashes, and vehicle fatality numbers. All of these factors influence how your specific FIAT 124 Spider insurance rate is calculated.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,094 | $3,000 | $3,853 |
| Alaska | $1,714 | $2,376 | $2,298 |
| Arizona | $1,949 | $2,789 | $4,123 |
| Arkansas | $2,131 | $3,355 | $3,705 |
| California | $2,353 | $4,190 | $2,383 |
| Colorado | $2,229 | $3,100 | $3,947 |
| Connecticut | $2,837 | $4,404 | $5,585 |
| Delaware | $2,335 | $3,113 | $3,989 |
| Florida | $2,795 | $3,839 | $5,006 |
| Georgia | $905 | $1,213 | $894 |
| Hawaii | $1,592 | $2,085 | $2,526 |
| Idaho | $1,650 | $2,485 | $2,827 |
| Illinois | $1,681 | $2,611 | $2,889 |
| Indiana | $1,356 | $1,822 | $2,172 |
| Iowa | $1,799 | $2,582 | $3,060 |
| Kansas | $2,584 | $3,796 | $4,473 |
| Kentucky | $3,305 | $4,999 | $5,418 |
| Louisiana | $1,250 | $1,743 | $2,575 |
| Maine | $2,027 | $2,968 | $3,268 |
| Maryland | $1,634 | $2,840 | $1,609 |
| Massachusetts | $3,941 | $5,974 | $9,456 |
| Michigan | $1,612 | $2,153 | $3,041 |
| Minnesota | $1,934 | $2,792 | $2,783 |
| Mississippi | $1,850 | $2,611 | $3,471 |
| Missouri | $1,885 | $2,629 | $3,057 |
| Montana | $1,600 | $2,344 | $2,540 |
| Nebraska | $2,599 | $3,860 | $4,070 |
| Nevada | $1,831 | $2,875 | $3,639 |
| New Hampshire | $2,006 | $3,149 | $4,086 |
| New Jersey | $2,047 | $3,037 | $3,131 |
| New Mexico | $1,878 | $2,393 | $3,958 |
| New York | $1,189 | $1,999 | $1,432 |
| North Carolina | $1,593 | $2,430 | $2,896 |
| North Dakota | $1,433 | $2,224 | $2,251 |
| Ohio | $2,262 | $3,269 | $3,680 |
| Oklahoma | $2,076 | $2,773 | $3,315 |
| Oregon | $1,731 | $2,573 | $3,012 |
| Pennsylvania | $2,916 | $4,283 | $4,835 |
| Rhode Island | $2,004 | $2,738 | $3,778 |
| South Carolina | $1,792 | $2,561 | $2,954 |
| South Dakota | $2,088 | $3,102 | $4,084 |
| Tennessee | $2,119 | $3,056 | $3,784 |
| Texas | $1,813 | $2,523 | $3,473 |
| Utah | $1,395 | $2,141 | $2,266 |
| Vermont | $1,312 | $1,983 | $1,940 |
| Virginia | $1,717 | $2,327 | $2,769 |
| Washington | $1,741 | $2,498 | $3,128 |
| West Virginia | $1,708 | $2,696 | $3,080 |
| Wisconsin | $1,615 | $2,245 | $2,402 |
| Wyoming | $2,262 | $3,416 | $3,425 |
Find Affordable FIAT 124 Spider Insurance Rates
Common FIAT 124 Spider Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. While each insurance provider offers its own set of discounts, here are some common ones you may be eligible for:
- Multi-policy: Bundle your home and auto insurance with the same provider to often receive a discounted rate.
- Pay annually: Opting to pay your premium in full at once, instead of monthly installments, can help lower your costs.
- Defensive driving: Completing defensive driving courses from a certified institution may qualify you for reduced insurance rates.
There may be additional discounts available. It’s a good idea to speak with your insurance agent, who can guide you in finding discounts you’re eligible for.
Compare FIAT 124 To Other FIAT Models
Looking for other FIAT model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the figures provided in this guide may not reflect your specific situation or individual results.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A FIAT 124 Spider?
Yes, you’ll need to provide proof of insurance before you can drive your FIAT 124 Spider off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than relying on the dealership for coverage.
How Can You Get The Cheapest Insurance For Your FIAT 124 Spider?
The best way to find the most affordable insurance rates for your FIAT 124 Spider is by shopping around and comparing quotes from different auto insurance companies. Luckily, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website.
