With national gas prices still hovering around $3.81 a gallon, petro zippers are understandably becoming more and more prevalent on American roads.

The two flavors of the moment seem to be the Chevy Volt and the Fiat North American 500.

So which car is less expensive to insure?

CoverHound proprietary data has the answer, but first let’s take a look at the difference between the two vehicles.

In a joint venture with Chrysler, the Italian import is making its North American debut. The Fiat earns good safety ratings across the board, and gets about 30 miles per gallon in city driving and about 38 miles per gallon on the highway.

The Chevy Volt is a full-fledged American electric car. Its safety ratings are similarly good to the Volt’s, a big rating variable for insurers. The Volt gets extremely good gas mileage, because gas isn’t needed most of the time -- as drivers can rely on their batteries until they run out. The big issue working against the Volt is that hybrids and electric care are not often cheaper to insure.

Our platform is able to report that the Fiat 500 is on average 13.5% less expensive to insure than is the Chevy Volt.

And while there are many factors to consider when choosing between these two vehicles, this large discrepancy should certainly be one of them.

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