Key Facts About Insuring a Fiat in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Fiat drivers in Ontario in 2026.
| Average Fiat insurance premium (Ontario): | $1,612 |
| Cheapest Fiat model to insure: | 500 ($1,483) |
| Most expensive Fiat model to insure: | 124 Spider ($1,902) |
| Cheaper alternatives to Fiat for car insurance: | Mitsubishi ($1,519) |
| Fiat collision rate in Ontario: | 9.6% of Fiat drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Fiat in Ontario?
On average, it costs about $1,612 per year to insure a Fiat in Ontario, but where you live changes that figure dramatically. Dense, high-claims cities such as Mississauga sit well above the provincial average, while smaller markets like Ottawa come in below it.
Here is the estimated average annual Fiat premium across major Ontario cities:
| CIty | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $2,625 |
| Scarborough, ON | $2,304 |
| Vaughan, ON | $2,045 |
| Mississauga, ON | $1,886 |
| Markham, ON | $1,788 |
| Toronto, ON | $1,775 |
| Barrie, ON | $1,601 |
| Oshawa, ON | $1,600 |
| London, ON | $1,540 |
| Windsor, ON | $1,538 |
| Thunder Bay, ON | $1,537 |
| Hamilton, ON | $1,414 |
| Sudbury, ON | $1,393 |
| Kitchener, ON | $1,369 |
| Kingston, ON | $1,314 |
| Ottawa, ON | $1,270 |
How Fiat Car Insurance Costs Compare to Similar Vehicle Brands
When selecting a vehicle, many buyers weigh the insurance rates of different brands against each other, since insurance costs can significantly influence the decision. Based on our internal Ontario quote data, Fiat sits in a lower price band relative to comparable brands. Fiat insurance generally costs more than Mitsubishi, but less than Volkswagen, Subaru, Kia.
Here’s how the average annual Ontario premiums compare:
| Brand | Average Annual Insurance Premium |
|---|---|
| Mitsubishi | $1,519 |
| Fiat | $1,612 |
| Volkswagen | $1,644 |
| Subaru | $1,702 |
| Kia | $1,715 |
Fiat Car Insurance Rates Through The Years
Over the past six years, Fiat insurance in Ontario has risen roughly 47%, driven by higher repair bills, rising theft and broad inflation. Rates were essentially flat in 2020–2021 before accelerating from 2022.
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,093 | — |
| 2021 | $1,098 | +0.5% |
| 2022 | $1,276 | +16.2% |
| 2023 | $1,352 | +6.0% |
| 2024 | $1,443 | +6.7% |
| 2025 | $1,602 | +11.0% |
| 2026 | $1,612 | +0.6% |
Fiat Car Insurance Rates by Model & Year Make
When insuring your Fiat, the model you choose significantly impacts the insurance rates. Our detailed analysis below provides a comprehensive view of the insurance costs for various Fiat models from different years.
| Model | Average Annual Insurance Premium |
|---|---|
| 500 | $1,483 |
| 500L | $1,644 |
| 500X | $1,693 |
| 124 Spider | $1,902 |
Fiat Insurance FAQs
What are the most popular Fiat vehicles?
There are several popular Fiat models in Canada. For buyers who want a new Fiat in Canada, three models are available: the Fiat 124 Spider, the Fiat 500L, and the Fiat 500X.
Other popular Fiat vehicles that are still on the road in Canada include the Fiat 500e, Fiat 500, Fiat Cabrio, Fiat Abarth, Fiat 500C, and the Fiat Hatch. Of these, the Fiat 500X is probably the most popular. It is one of the best-selling SUVs in Canada.
What is the cheapest Fiat model to insure in Canada?
The Fiat 500 is the least expensive model to insure in Ontario, with an average annual premium of $1,483.
Do Fiat’s have a good safety rating?
The National Highway Traffic Safety Administration (NHRSA) rates vehicles for safety in Canada. Because Fiat vehicles are relatively new to Canada, safety information is not yet available for many models.
The NHTSA does provide rating information for several years of the Fiat 500E HB FWD. This vehicle is rated 4 out of 5 stars across several safety categories, including overall safety, frontal crash safety, side crash safety, and rollover safety.
Fiat vehicles come with many safety features such as antilock brakes, front impact, knee, side, and overhead airbags, stability control, traction control, daytime running lights, blind-spot monitoring, restraint systems, child seat anchors, tire pressure monitoring, and post-collision safety system.