Insuring a Fiat 500 - everything you need to know

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How to insure
Breaking down the costs
Cheapest and most expensive
Electric models
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Just like the Mini and VW Beetle, the Fiat 500 is a modern remake of a classic small car – famed for its retro look, compact size, and fun driving experience. The original was a much-loved car on Italian roads, but the Fiat 500 is popular all over the world, especially with younger drivers.

There are some who accuse the Fiat 500 of being more style than substance, but the car doesn’t pretend to be something it isn’t. It’s great for city driving 🏙 (although less so for long distances…) and its small engine size means it’s cheap to run. It also comes in mild-hybrid and full electric versions for the eco-minded - and if you don’t choose the latest model with the highest specs, it’s pretty affordable too.

How to insure a Fiat 500

Fiat 500s can be super cheap to insure. They range from insurance group 2 to 21.

In case you didn’t know: every car in the UK is ranked on a scale from 1 to 50. Insurance companies look at these insurance groups] to work out the price you’ll pay to insure a car – the lower the group, the cheaper the insurance usually is.

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Breaking down the costs

How much you’ll actually pay depends on much more than the insurance group, though. Your age, address, job, and marital status can all push your bill higher or lower. How you plan to use the car matters too (it’s more expensive if you want to use it to commute, for example). If you have a no-claims discount, that can bring the price down, too.

A 2008 Fiat 500 1.2 Pop in insurance group 5 could cost as little as £241 a year for comprehensive cover. To get this low price you’d need to fit a telematics box to your car to track how you drive. There are pros and cons to this (and alternatives! Check out our guide on the difference between black boxes and our Smart Pricing here).

Cheapest and most expensive Fiat 500 models to insure

So… which are the cheapest Fiat 500 models to insure, and which are the most expensive? 🤑

And which Fiat 500 model is in which insurance group?

Some of the cheapest Fiat 500s to insure

  • Fiat 500C 1.0 Mild Hybrid Hey Google 2-door (2009 on) - Group 2
  • Fiat 500 hatchback 1.0 Mild Hybrid Hey Google 3-door (2008 on) - Group 3
  • Fiat 500 hatchback 1.2 Pop 3-door (2008 on) - Group 5
  • Fiat 500X 1.3 Multijet Pop 5-door (2015 on) - Group 5
  • Fiat 500 hatchback 1.2 Sport 3-door (2008 on) - Group 6

Some of the most expensive Fiat 500s to insure

  • Fiat 500 Electric Convertible 87kW La Prima 2-door (2020 on) - Group 21
  • Fiat 500L Lounge 1.6 Multijet 120hp 5-door (2012 on) - Group 20
  • Fiat 500L Wagon 1.6 Multijet 120hp 5-door (2017/18) - Group 20
  • Fiat 500 C 0.9 TwinAir 105bhp Cult 2-door (2009 on) - Group 19
  • Fiat 500L Wagon Pop Star 1.6 Multijet 120 hp 5-door (2017/18) - Group 19

The Fiat 500 can be insured from less than £250 for a year

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Fiat 500 electric models

The Fiat 500 is gearing up for 2030, when all new petrol and diesel cars will be banned in the UK. The fully electric version hit UK roads at the end of 2020 🌳.

The smaller battery size has a range of 115 miles per charge, while the larger 42kWh battery reaches just shy of 200 miles. Prices start around £22,000 for a brand-new model.

Bottom line? Fiat 500s are fun to drive and cheap to insure, and you can pick up a second-hand one for as little as £2,000.

However, they aren’t great for families who need space, or people who drive long distances a lot, but as a city runabout, they’re a cute, affordable option.

Get insured

If you need insurance for a Fiat 500, Cuvva offers ultra-flexible options, from an hour to rolling monthly cover. You can easily manage it all through the Cuvva app.

Even better, our Smart Pricing subscription could also save good drivers up to a third on their bill. The better you drive, the more you save.

Whatever you’re after, you can get a quick quote here - it only takes a few minutes.

Updated on 28th April 2022