Fiat 124 Spider Insurance Explained: 2025 Rates & Comparisons

How much does insurance cost on a Fiat 124 Spider? We compare the Abarth, Classica, and Lusso models and see how prices compare to the competition.

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How much does Fiat 124 Spider car insurance cost?

Average car insurance rates for a Fiat 124 Spider cost $1,806 a year, or about $151 a month. When splitting out the cost of individual coverages, comprehensive is about $420 a year, collision coverage will cost around $786, and the remaining liability/medical (or PIP) coverage will cost approximately $600.

The chart below details how Fiat 124 Spider car insurance cost changes depending on the age of the driver and physical damage deductibles.

Average 2020 Fiat 124 Spider car insurance premiums for different driver ages and policy deductibles.
Figure 1: Average 2020 Fiat 124 Spider car insurance premiums for different driver ages and policy deductibles. Rates updated on June 26, 2025.

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Data Methodology: Average premiums are based on a 2020 model year Fiat 124 Spider. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.

2020 Fiat 124 Spider Insurance Cost by Driver Age and Deductibles
Driver Age Policy Deductible Annual Premium Cost Per Month
20-Year-Old$1,000$3,108$259
$500$3,642$304
$250$4,210$351
30-Year-Old$1,000$1,622$135
$500$1,920$160
$250$2,230$186
40-Year-Old$1,000$1,532$128
$500$1,806$151
$250$2,092$174
50-Year-Old$1,000$1,370$114
$500$1,606$134
$250$1,852$154
60-Year-Old$1,000$1,282$107
$500$1,504$125
$250$1,736$145

Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2020 Fiat 124 Spider. Updated June 26, 2025

What is the cheapest 124 Spider to insure?

The cheapest trim level of Fiat 124 Spider to insure is the Classica Convertible costing an average of $1,736 per year. The next cheapest trim is the Abarth Convertible at $1,824 per year, and the third cheapest model to insure is the Lusso Convertible at $1,860 per year.

The table below breaks out the average cost to insure different 124 Spider trim levels for annual, semi-annual, and monthly policy terms.

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. Updated June 26, 2025

Insurance cost by trim level for a 2020 Fiat 124 Spider ranging from the Classica Convertible model at $1,736 per year to the Lusso Convertible model at $1,860
Insurance cost by trim level for a 2020 Fiat 124 Spider ranging from the Classica Convertible model at $1,736 per year to the Lusso Convertible model at $1,860

Where does 124 Spider insurance cost rank?

The Fiat 124 Spider ranks eighth out of 27 comparison vehicles in the small car class. The Spider costs $1,806 per year for full coverage insurance and the segment average cost is $1,973 per year, a difference of $167 per year.

When compared to other small cars, insurance for a Fiat 124 Spider costs $68 less per year than the Honda Civic, $116 more than the Toyota Corolla, $14 less than the Nissan Sentra, and $424 less than the Hyundai Elantra.

The chart below shows how average car insurance rates for the 124 Spider compare to the ten most popular small cars in America. Below the chart, an additional table is included that compares insurance affordability of the Spider to all other models in the small car category.

Average 2020 Fiat 124 Spider car insurance premium compared to other small car models.
Figure 2: Average 2020 Fiat 124 Spider car insurance premium compared to other small car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2020 model year Fiat 124 Spider. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Fiat 124 Spider trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Fiat 124 Spider Insurance Cost Compared to All Small Cars
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
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 vehicle from the 2020 model year. Updated June 26, 2025

How much does insurance cost on a used 124 Spider?

Buying car insurance for a 2017 124 Spider instead of the 2020 model year will save as much as $118 each year. Even a 2019 model year could save the average driver $118 on a yearly basis.

The data below illustrates average Fiat 124 Spider car insurance cost for the 2017 through 2020 model years. Average prices range from the cheapest annual rate of $1,488 for a 2017 Fiat 124 Spider to the most expensive rate of $1,806 for a 2020 model.

Fiat 124 Spider Insurance Cost for 2017-2020 Models
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. Updated June 27, 2025

Average annual premium and cost per month to insure 2017 to 2020 Fiat 124 Spider models
Average annual premium and cost per month to insure 2017 to 2020 Fiat 124 Spider models