FIAT 500 Insurance Cost [How to Find Cheap Rates]

If you're looking for coverage online FIAT 500 insurance rates cost $1,352/yr, or around $113/mo on average. A liability-only policy costs around $542/yr or $45/mo. FIAT 500 insurance costs around $167 less per year than the average vehicle. Good drivers can save up to $557 a year on these costs by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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

FIAT 500 insurance rates are $113 per month for full coverage and $45 per month for liability-only coverage. Teen drivers could pay up to $412 per month. Continue reading to learn how policy discounts can slash those expensive FIAT 500 insurance rates for teen drivers.

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

FIAT 500 Insurance Cost

The average FIAT 500 insurance rates 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 Volkswagen Golf R, Volkswagen Beetle, and Mitsubishi Mirage.

Vehicle Comprehensive Collision Liability Total
Volkswagen Golf R $372 $660 $390 $1,580
Volkswagen Beetle $280 $542 $332 $1,290
Mitsubishi Mirage $244 $448 $398 $1,248
Volkswagen Golf $306 $600 $390 $1,454
Honda Fit $268 $512 $258 $1,148
Ford Focus RS $332 $656 $398 $1,544
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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?

The FIAT 500 trim and model you choose will affect the total price you will pay for FIAT 500 insurance coverage.

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 the cost of FIAT 500 auto insurance. For example, 30-year-old drivers pay approximately $59 more for their FIAT 500 auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on FIAT 500 insurance rates. For example, drivers in Los Angeles may pay $193 a year more than drivers in Houston.

Your Driving Record

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

FIAT 500 Safety Ratings

Your FIAT 500 insurance rates are tied to the FIAT 500’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side P
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength G
Head restraints and seats Not Tested
Source: Insurance Institute for Highway Safety
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FIAT 500 Crash Test Ratings

If the FIAT 500 crash test ratings are good, you could have lower FIAT 500 insurance rates. See FIAT 500 crash test results below:

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 safety features of the FIAT 500 can impact your FIAT 500 insurance rates. The FIAT 500 has the following safety features:

  • 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 insurance rates from the best companies using our FREE tool below.

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5 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 insurance rates

  • Ask About Welcome Discounts
  • Install an Aftermarket Anti-Theft Device for Your FIAT 500
  • Ask Your Auto Insurance Company About FIAT 500 Discounts
  • Reduce Your Coverage on an Older FIAT 500
  • Wait Six Years for Accidents to Disappear from Your Record

Top FIAT 500 Insurance Companies

Who is the best 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 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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Compare Free FIAT 500 Insurance Quotes Online

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

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