- Fiat 124 Spider car insurance costs $1,850 per year for a full coverage policy, depending on the trim level.
- The cheapest 124 Spider trim level to insure is the Classica Convertible at around $1,778 per year, and the most expensive trim being the Lusso Convertible at $1,904 annually.
- Out of 27 vehicles in the small car segment, the 124 Spider ranks eighth for insurance affordability.
How much does Fiat 124 Spider car insurance cost?
Average car insurance rates for a Fiat 124 Spider cost $1,850 a year, or about $154 a month. When splitting out the cost of individual coverages, comprehensive is about $430 a year, collision coverage will cost around $806, and the remaining liability/medical (or PIP) coverage will cost approximately $614.
The chart below details how Fiat 124 Spider car insurance cost changes depending on the age of the driver and physical damage deductibles.
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 $1,778 per year. The next cheapest trim is the Abarth Convertible at $1,868 per year, and the third cheapest model to insure is the Lusso Convertible at $1,904 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 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Classica Convertible | $1,778 | $148 |
| Abarth Convertible | $1,868 | $156 |
| Lusso Convertible | $1,904 | $159 |
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 October 24, 2025
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 $1,850 per year for full coverage insurance and the segment average cost is $2,022 per year, a difference of $172 per year.
When compared to other small cars, insurance for a Fiat 124 Spider costs $66 less per year than the Honda Civic, $120 more than the Toyota Corolla, $14 less than the Nissan Sentra, and $434 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.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Chevrolet Spark | $1,626 | -$224 |
| 2 | Honda Fit | $1,686 | -$164 |
| 3 | Fiat 500L | $1,706 | -$144 |
| 4 | Toyota Corolla | $1,730 | -$120 |
| 5 | Volkswagen Golf | $1,774 | -$76 |
| 6 | Toyota Yaris | $1,798 | -$52 |
| 7 | Subaru Impreza | $1,820 | -$30 |
| 8 | Fiat 124 Spider | $1,850 | -- |
| 9 | Nissan Sentra | $1,864 | $14 |
| 10 | Mazda 3 | $1,876 | $26 |
| 11 | Honda Civic | $1,916 | $66 |
| 12 | Kia Rio | $1,926 | $76 |
| 13 | Hyundai Accent | $1,944 | $94 |
| 14 | Kia Forte | $1,964 | $114 |
| 15 | Toyota Prius | $2,074 | $224 |
| 16 | Hyundai Veloster | $2,132 | $282 |
| 17 | Volkswagen GTI | $2,140 | $290 |
| 18 | Volkswagen Jetta | $2,152 | $302 |
| 19 | Nissan Versa | $2,162 | $312 |
| 20 | Nissan Leaf | $2,178 | $328 |
| 21 | Mitsubishi Mirage G4 | $2,182 | $332 |
| 22 | Chevrolet Sonic | $2,220 | $370 |
| 23 | Honda Clarity | $2,260 | $410 |
| 24 | Hyundai Elantra | $2,284 | $434 |
| 25 | Hyundai Ioniq | $2,332 | $482 |
| 26 | Toyota 86 | $2,466 | $616 |
| 27 | Toyota Mirai | $2,520 | $670 |
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 October 24, 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 $112 each year. Even a 2019 model year could save the average driver $112 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 $1,526 for a 2017 Fiat 124 Spider to the most expensive rate of $1,850 for a 2020 model.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2020 Fiat 124 Spider | $1,850 | $154 |
| 2019 Fiat 124 Spider | $1,738 | $145 |
| 2018 Fiat 124 Spider | $1,590 | $133 |
| 2017 Fiat 124 Spider | $1,526 | $127 |
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 October 24, 2025
