Fiat 500 Insurance: Everything You Need to Know

The Fiat 500 is a sleek, fun-to-drive Italian hatchback that’s been available in the United States since 2011. The car gets high marks for its retro aesthetic and affordable price that appeal to young drivers. The cost of insurance coverage for this car varies based on the model, trim, year, your personal driving history, your age, and where you live. If you plan to purchase this vehicle, follow this guide to find the best Fiat 500 insurance for your needs.

Average Fiat 500 Insurance Premiums

According to Expert Insurance Reviews, the average Fiat 500 driver pays approximately $113 per month or $1352 per year for annual auto insurance. The cost varies significantly by model year as reported by Buy Auto Insurance. You’ll pay about $1228 to insure a 2012 Fiat 500 for a year compared to $1325 for a 2017 Fiat 500.

Buy Auto Insurance lists these average annual full coverage insurance rates for the Fiat 500 by model year:

  • 2012: $1228
  • 2013: $1268
  • 2014: $1296
  • 2015: $1326
  • 2016: $1340
  • 2017: $1352

    Your state requires you to carry a certain level of liability coverage to drive your car legally. If you take out a loan to buy your Fiat 500, your lender will probably require you to carry full coverage, which includes comprehensive and collision insurance. Shopping around can help you find the best rates for this type of policy.

    Average Fiat 500 Insurance Premiums by Age

    Teens pay even more to insure this vehicle. Expert Insurance Reviews notes that the average annual premium for young drivers who have this make and model is nearly $5000. In addition, 30-year-old motorists pay about $1654 less per year for insurance on the Fiat 5000 than 20-year-old motorists with comparable characteristics.

    Average Fiat 500 Insurance Premiums by Geographic Location

    You could pay about $744 more a year for Fiat 500 insurance if you live in Los Angeles compared to Phoenix, according to Buy Auto Insurance.

    Cheap Car Insurance compiled data from public insurance records and found that Maine drivers pay the lowest rates of about $68 per month to insure a Fiat 500. Coverage for this make and model is most expensive, on average, in Georgia, where you’ll pay about $251 a month for a Fiat 500 policy.

    Best Companies for Fiat 500 Insurance

    Buy Auto Insurance ranks these companies as the best providers of Fiat 500 auto insurance:

    • Nationwide
    • Farmers Insurance
    • Chubb
    • USAA
    • Travelers Insurance
    • Allstate
    • Liberty Mutual
    • Progressive
    • GEICO
    • State Farm

      Auto insurance website The Zebra reports that you’ll find the lowest average rates for your Fiat 500 from GEICO. The company charges an average of just $48 per month for a policy on this vehicle compared to the overall average of $96 per month. recommends Progressive for your Fiat auto insurance needs. The website cites the company’s shrinking deductibles program, expansive coverage options, and average policy discounts of up to 30 percent.

      Saving Money on Fiat 500 Insurance Premiums

      Strategies to save on insurance for your Fiat 500 include:

      • Purchasing an older model year
      • Moving to a neighborhood with few auto accidents and thefts
      • Asking for discounts when you shop for insurance quotes. Allstate notes that common types of driver discounts include lower prices for seniors, students, and drivers with no previous accidents or claims.
      • Choosing a Fiat 500 model that has passive restraint systems such as motorized seatbelts and airbags, anti-lock brakes, or anti-theft devices.

        Fiat 500 Safety Ratings and Features

        The National Highway and Traffic Safety Administration (NHTSA) gave the 2018 Fiat 500 models four stars in the rollover and frontal crash test categories, but did not test these cars in other categories. The 2017 Fiat 500 received a four-star overall safety rating from the NHTSA, including four stars in the front, side, and rollover crash categories. These ratings, which go up to five stars, provide information about how well a vehicle should fare in each type of collision.

        Every Fiat 500 model is equipped with a four-wheel anti-lock braking system, traction control, daytime running lights, electronic stability control, and braking assist. The car also has front side, rear head, front head, driver, and passenger airbags.

        Exploring the Fiat 500

        According to Compare the Market, the newest version of the Fiat 500 has two new engine choices, including a hybrid and an amped-up TwinAir turbo engine that cuts carbon dioxide and reduces fuel usage. The coupe is also full of smart tech including Apple CarPlay smartphone connectivity.

        As for the body of your Fiat 500, you can choose a three-door hatchback or upgrade to the 500C convertible model, the compact 500L, or the larger 500X crossover. Both come in a wide selection of trims, including the bright green and satin chrome Rockstar, and exterior packages such as the sparkling metallic pink Star special edition.

        The Fiat 500’s fuel efficiency varies depending on your engine selection and how fast you drive. The vehicle gets anywhere from 43 to 83 miles to the gallon. For example, you’ll get about 74 mpg if you opt for the TwinAir turbo engine, according to Vehicle Services Agency data reported by The Zebra.

        The hybrid version of the Fiat 500 pairs a lithium ion battery with a small electric motor and a three-cylinder engine. Later this year, Fiat plans to release a fully electric version of this hatchback.

        Despite the high-end refinement of this vehicle, it offers relatively affordable insurance policies on average.

        Check this out if you need additional information, resources, or guidance on car insurance.


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