How Much is Insurance on a FIAT 500? [Everything You Need to Know]

Average FIAT 500 auto insurance rates cost $1,352 a year, or around $113 a month. Finding FIAT 500 teenager insurance rates can cost on average $4,942 a year, so shop around to find cheap coverage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Oct 27, 2020

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Key takeaways:

  • Full coverage costs around $1,352 a year or $113 each month
  • A liability-only policy costs around $542 a year or $45 each month
  • Highest rates are for teenage drivers at around $4,942 a year or $412 each month
  • Good drivers can save as much as $557 a year by earning policy discounts
  • FIAT 500 insurance costs around $167 less per year than the average vehicle

Don’t let FIAT 500 insurance rates cause you stress. Full coverage for a FIAT 500 costs around $1,352 a year or $113 each month. Our guide breaks down these rates to help drivers better understand how to save on FIAT 500 insurance rates. Learn more.

You can start comparing quotes for FIAT 500 car insurance rates from some of the best car insurance companies by using our free online tool now.

FIAT 500 Insurance Cost

The average car insurance costs for a FIAT 500 are $1,352 a year or $113 a month.

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Are FIAT 500s Expensive to Insure?

The chart below details how FIAT 500 insurance rates compare to other subcompact hatchbacks like the Mitsubishi Mirage, Volkswagen Golf R, and Volkswagen Golf.

Vehicle Comprehensive Collision Liability Total
Mitsubishi Mirage $244 $448 $398 $1,248
Volkswagen Golf R $372 $660 $390 $1,580
Volkswagen Golf $306 $600 $390 $1,454
Volkswagen Beetle $280 $542 $332 $1,290
Ford Focus RS $332 $656 $398 $1,544
Honda Fit $268 $512 $258 $1,148
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However, there are a few things you can do to find the cheapest FIAT insurance rates online.

What Impacts the Cost of FIAT 500 Insurance?

You might have noticed that there is a multitude of factors that impact FIAT 500 car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the FIAT 500.

Age of the Vehicle

Older FIAT 500 models generally cost less to insure. For example, auto insurance rates for a 2017 FIAT 500 are $1,352, while 2012 FIAT 500 rates are $1,228, a difference of $124.

Model Year Comprehensive Collision Liability Total
2017 FIAT 500 $236 $466 $470 $1,352
2016 FIAT 500 $228 $446 $486 $1,340
2015 FIAT 500 $216 $430 $500 $1,326
2014 FIAT 500 $206 $400 $510 $1,296
2013 FIAT 500 $198 $376 $514 $1,268
2012 FIAT 500 $190 $338 $520 $1,228
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Driver Age

Driver age can have a significant effect on FIAT 500 car insurance rates. For example, 20-year-old drivers pay $1,654 more for their FIAT 500 car insurance each year than 30-year-old drivers.

Driver Location

Where you live can have a large impact on FIAT 500 insurance rates. For example, drivers in Phoenix may pay $744 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of FIAT 500 car insurance. Teens and drivers in their 20’s see the highest jump in their FIAT 500 car insurance with violations on their driving record.

FIAT 500 Safety Ratings

Your FIAT 500 car insurance rates are influenced by the safety ratings of the FIAT 500. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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FIAT 500 Crash Test Ratings

Not only do good FIAT 500 crash test ratings mean you are better protected in a crash, but good FIAT 500 crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2019 FIAT 500 CABRIO 3 HB FWD N/R N/R N/R N/R
2019 FIAT 500 BEV 3 HB FWD N/R N/R N/R N/R
2019 FIAT 500 ABARTH CABRIO 3 HB FWD N/R N/R N/R N/R
2019 FIAT 500 ABARTH 3 HB FWD N/R N/R N/R N/R
2019 FIAT 500 3 HB FWD N/R 4 stars N/R 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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FIAT 500 Safety Features

The more safety features you have on your FIAT 500, the more likely it is that you can earn a discount. The FIAT 500’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Traction Control

FIAT 500 Finance and Insurance Cost

When financing a FIAT 500, most lenders will require your carry higher FIAT 500 coverage options including comprehensive coverage, so be sure to shop around and compare FIAT 500 car insurance rates from the best companies using our FREE tool below.

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Ways to Save on FIAT 500 Insurance

You have more options at your disposal to save money on your FIAT 500 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your FIAT 500 car insurance rates

  • Buy An Older FIAT 500
  • Don’t Skimp On FIAT 500 Liability Coverage
  • Move to an Area with Better Weather
  • Ask Your Insurance Company About FIAT 500 Discounts
  • Understand that Your Insurer Can Change Your FIAT 500 Auto Insurance Rates Mid-Term for Other Reasons

Top FIAT 500 Insurance Companies

Who is the top auto insurance company for FIAT 500 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering FIAT 500 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the FIAT 500 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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