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Fiat auto insurance: what you need to know.

Fiat, the little Italian car that could! The largest car manufacturer in Italy, Fiat has made a point of creating vehicles designed for the narrow and twisting streets of Europe.

In recent years, Fiat has trimmed its North American lineup from three models to one — as of 2021, the Fiat 500X is the only model available for purchase in Canada and the United States. This will certainly be something to consider when shopping around for Fiat vehicle insurance, as its smaller market share and limited model offerings may impact the price of your Fiat insurance.

Whether you're shopping for a brand new insurance policy or your current one is up for renewal, LowestRates.ca can show you how much you can save on Fiat vehicle insurance in Canada. In just three minutes, you can compare auto insurance quotes from 50+ Canadian providers. Enter your postal code above and click “Get Started” to see quotes, or read on to find out more about Fiat insurance coverage.

How much is insurance for a Fiat?

What’s the cost of insurance for a Fiat, you ask? The answer is… it depends. Insurance providers use several variables to calculate your Fiat car insurance rate. The Atlantic provinces, Ontario, Quebec, and Alberta, along with the territories, all have private insurance providers. Drivers in British Columbia, Saskatchewan and Manitoba must obtain mandatory auto insurance coverage through the provincial government. Your province, city of residence, age, gender, driving record and insurance history will all affect your Fiat insurance costs.

Insurance companies want to know how much it would cost to repair or replace a vehicle. This directly influences their underwriting process. The safety rating of your particular Fiat vehicle will also affect insurance companies’ risk modelling. Because there are so many components that go into creating an insurance rate, it’s better to get a quote directly rather than search for the “average” Fiat insurance cost.

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Your questions about Fiat auto insurance rates, answered.

What is the cheapest Fiat to insure?

So, what’s the cheapest Fiat model to insure? Again, the answer depends on a number of factors. You can’t figure out which Fiat model is cheapest to insure without taking into account your age, driving record, location, and what Fiat model you’ll be driving.

The Insurance Bureau of Canada (IBC) developed a system known as the Canadian Loss Experience Automobile Rating (CLEAR), which uses real collected data to assign vehicles a number rating based on how likely it is that the vehicle will be involved in a future insurance claim. A vehicle's CLEAR number is another factor used by insurance companies to calculate how risky it will be to insure that vehicle. Generally speaking, a basic Fiat model with entry-level trim will be the least expensive to insure.

While the IBC doesn’t publish the CLEAR data online, it does collect data from insurance companies across the country and publishes the annual How Cars Measure Up report. The 2020 report (using data from 2001-19) shows Fiats in the middle of the pack when it comes to insurance claims. Compared to other types of vehicles, Fiats are involved in an average or below average number of collision claims, direct compensation property damage claims and comprehensive claims. The fewer Fiat insurance claims there are, the more likely it is that you’ll be able to find less expensive insurance options.

Used vs. new Fiat: which is cheaper to insure?

There are many factors that determine how much you’ll pay for Fiat car insurance premiums. For example, a brand new Fiat 500X with the highest trim package will be more expensive to insure than a used Fiat 500X with basic or mid-level trim package. If you’re leasing a new Fiat, the dealer will likely require comprehensive and collision insurance coverage. It’s also recommended to have comprehensive and collision insurance if you’re purchasing a newer vehicle.

Used cars older than five years don’t usually require any extra insurance coverage, but it should be noted that used cars have a higher chance of breaking down than new cars. Depending on the age of your Fiat, your insurance company might determine it to be at a higher risk to insure than a new car.

LowestRates.ca can help you find the right car insurance for a used Fiat, or a policy for a new one. It’s quick and easy to compare Fiat car insurance quotes, we’ll do the work for you by comparing Fiat insurance rates from 50+ Canadian providers to find you the cheapest Fiat car insurance options for your situation.

What is the best car insurance for a Fiat?

Whether you’re looking for the best car insurance rates for a new Fiat or your existing Fiat insurance policy is up for renewal, shopping for car insurance is like shopping for a custom suit. It takes a little bit of time but with some effort you’ll find the perfect fit. In other words, car insurance is not something you can buy off the rack, it has to be tailored to your unique situation. The Fiat model you’re driving, your own driving and insurance history, as well as the Fiat insurance broker or company you go with will all affect your rate. This is why comparing Fiat car insurance prices is a good idea that can help you determine the budget for your vehicle.

Depending on what your needs are, how often you drive your Fiat and where you drive it, you might want to consider reviewing your Fiat insurance policy and add some of the following types of coverage to your plan:

Collision insurance: This type of coverage provides compensation to put towards a new vehicle if yours is damaged in a collision with another vehicle or object, such as a tree or fire hydrant.

Comprehensive insurance: Pays for losses or damage to your vehicle caused by things other than a collision, such as vandalism, a fallen tree, storms and fires.

All perils: Covers everything mentioned under collision and comprehensive, unless a specific peril is listed as an exclusion in your policy.

How are auto insurance quotes for Fiat calculated?

Finding a cheap Fiat vehicle insurance rate that works for your needs can be a process. There are many factors that influence what rate you’ll end up paying. One that insurance providers will look at first is your personal driving history. Driving offences like speeding tickets, as well as at-fault collisions, can increase your Fiat auto insurance rates significantly.

Then there are other factors that you have less control over — like age and location — that will impact your premiums. Generally speaking, Fiat insurance rates for young drivers will be higher than those for older and more experienced drivers.

The type of Fiat you choose to drive will also impact your rate, depending on how much it costs to repair or replace. All of these factors have to be taken into account when you consider purchasing a new or used Fiat.

Is it safe to buy Fiat insurance online?

Yes, it’s totally safe to buy car insurance online. We’ve helped Canadians save millions on their insurance costs. Get a quote for car insurance on LowestRates.ca and start saving today.