Fiat 124 Spider Car Insurance Calculator

Gain insights into how changes to driver risk factors and vehicle options impact car insurance rates for a Fiat 124 Spider. Experiment with factors like coverage deductibles, age of the driver, policy discounts, and 124 Spider trim level. Get instant feedback the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2020 Fiat 124 Spider is $1,806 per year, or about $151 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,806

Cost Per Month

$151

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Fiat 124 Spider Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Fiat 124 Spider.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,806
Average Rate
Your Rate
$1,806

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Fiat 124 Spider.

The 'Average Rate' is a combined value for all Fiat 124 Spider trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2020 Fiat 124 Spider is $1,806.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2020 Fiat 124 Spider vs. the Small Car Segment

The table below compares insurance rates for the 2020 Fiat 124 Spider against all other models in the small car segment. The Fiat 124 Spider is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Fiat 124 Spider, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Fiat 124 Spider.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2020 Fiat 124 Spider Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$220
2Honda Fit$1,648-$158
3Fiat 500L$1,666-$140
4Toyota Corolla$1,690-$116
5Volkswagen Golf$1,732-$74
6Toyota Yaris$1,752-$54
7Subaru Impreza$1,778-$28
8Fiat 124 Spider$1,806--
9Nissan Sentra$1,820$14
10Mazda 3$1,834$28
11Honda Civic$1,874$68
12Kia Rio$1,880$74
13Hyundai Accent$1,898$92
14Kia Forte$1,916$110
2020 Small Car Average$1,973$167
15Toyota Prius$2,024$218
16Hyundai Veloster$2,080$274
17Volkswagen GTI$2,088$282
18Volkswagen Jetta$2,100$294
19Nissan Versa$2,110$304
20Nissan Leaf$2,128$322
21Mitsubishi Mirage G4$2,130$324
22Chevrolet Sonic$2,168$362
23Honda Clarity$2,206$400
24Hyundai Elantra$2,230$424
25Hyundai Ioniq$2,274$468
26Toyota 86$2,406$600
27Toyota Mirai$2,460$654

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2020 124 Spider Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 Fiat 124 Spider.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2020 Fiat 124 Spider Insurance Rates by Trim Level
2020 Fiat 124 Spider Trim Level Annual Premium Cost Per Month
Classica Convertible$1,736$145
Abarth Convertible$1,824$152
Lusso Convertible$1,860$155

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2020 Fiat 124 Spider for different driver ages.

2020 Fiat 124 Spider Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,512$543
17$6,289$524
18$5,601$467
19$5,113$426
20$3,902$325
21$3,722$310
22$3,327$277
23$2,740$228
24$2,585$215
25$2,096$175
30$1,920$160
35$1,858$155
40$1,806$151
45$1,692$141
50$1,606$134
55$1,500$125
60$1,504$125
65$1,604$134
70$1,734$145
75$2,054$171
80$2,534$211

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Fiat 124 Spider trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Fiat 124 Spider.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Fiat 124 Spider Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2020 Fiat 124 Spider$1,806$151
2019 Fiat 124 Spider$1,688$141
2018 Fiat 124 Spider$1,552$129
2017 Fiat 124 Spider$1,488$124

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Fiat 124 Spider trim levels for each model year.