Insuring a Fiat 500 - everything you need to know
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.
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.
Cheapest and most expensive Fiat 500 models to insure
First, here's a quick insurance groups explainer:
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
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 insurance
Whatever model you choose, you need to be insured before you hit the road - and Cuvva's policies from 1 hour to 28 days might be able to help, with cover starting from just £11.90.
- Temporary car insurance for borrowing or lending a car in minutes.
- Learner driver cover for driving lessons, getting practice in with a supervisor, or taking the driving test.
- Drive away insurance for getting your new car home from the dealership.
- Temporary van insurance for moving home, dropping things to the recycling centre, or carrying a heavy load.
And it only takes a few minutes to get a quote.