Fiat 500 Insurance Costs for 2025: Rates and Trends

How much are Fiat 500 insurance rates? From the Pop hatchback to the Abarth convertible, we compare cost to see how it ranks against the competition.

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  • Fiat 500 insurance costs an average of $1,560 per year or around $130 per month, depending on the trim level.
  • The 500 Pop Hatchback trim level is the cheapest to insure at around $1,452 per year, or $121 per month.
  • The model with the most expensive insurance is the Abarth Convertible at $1,668 per year, or around $139 per month.
  • When compared to other small cars, the Fiat 500 is one of the cheaper small cars to insure, costing $299 less per year on average.

How much does Fiat 500 insurance cost?

Fiat 500 car insurance costs on average $1,560 a year, or $130 on a monthly basis. You can expect to pay about $299 less annually to insure a Fiat 500 compared to the average rate for small cars, and $661 less per year than the $2,221 average for all vehicles.

The chart below shows average car insurance cost on a 2019 Fiat 500 for a range of different policy situations.

Average 2019 Fiat 500 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2019 Fiat 500 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2019 model year Fiat 500 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Fiat 500 trim levels.

2019 Fiat 500 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,600$300
Safe Driver Age 20$3,146$262
At-fault Accidents Age 40$2,228$186
Low Deductibles Age 40$1,970$164
Safe Driver Age 30$1,652$138
Safe Driver Age 40$1,560$130
Safe Driver Age 50$1,394$116
High Deductibles Age 40$1,348$112
Safe Driver Age 60$1,306$109
Discount Rate Age 40$1,298$108

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2019 Fiat 500 trim levels. Updated June 26, 2025

In order to help you understand the full scope of insurance rates, consider that choosing a liability-only policy in the cheapest areas of Vermont or Indiana can be as low as $244 a year, while a 16-year-old driver with an accident and a violation in some zip codes in New Orleans, LA, could be footing the bill for $12,197 a year for full coverage.

What is the cheapest Fiat 500 car insurance?

The cheapest model of Fiat 500 to insure is the Pop Hatchback at an estimated $1,452 per year, or about $121 per month. The second cheapest trim is the Lounge Hatchback at $1,532 per year, and the third cheapest model to insure is the Pop Convertible at $1,550 per year.

On the opposite end of the cost spectrum, the three most expensive 500 trim levels to insure are the Fiat 500 Lounge Convertible, the Abarth Hatchback, and the Abarth Convertible trim levels at an estimated $1,574,  $1,600, and $1,668 per year, respectively.

The rate table below details average car insurance cost for each Fiat 500 trim level.

2019 Fiat 500 Insurance Rates by Trim Level
2019 Fiat 500 Trim Level Annual Premium Cost Per Month
Pop Hatchback$1,452$121
Lounge Hatchback$1,532$128
Pop Convertible$1,550$129
Lounge Convertible$1,574$131
Abarth Hatchback$1,600$133
Abarth Convertible$1,668$139

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2019 Fiat 500 ranging from the Pop Hatchback model at $1,452 per year to the Abarth Convertible model at $1,668
Insurance cost by trim level for a 2019 Fiat 500 ranging from the Pop Hatchback model at $1,452 per year to the Abarth Convertible model at $1,668

Where does Fiat 500 car insurance cost rank?

The Fiat 500 ranks fourth out of 33 comparison vehicles in the small car category for car insurance affordability. The 500 costs an average of $1,560 per year to insure, while the class average cost is $1,859 per year, a difference of $299 per year.

When compared to the most popular models in the small car segment, insurance for a Fiat 500 costs $252 less per year than the Honda Civic, $8 more than the Toyota Corolla, $282 less than the Nissan Sentra, and $536 less than the Hyundai Elantra.

The chart below shows how well average Fiat 500 insurance rates rank when compared to the top 10 selling small cars in America for 2019. A larger table showing average car insurance rates for the entire 33 vehicle small car segment is included following the chart.

Average 2019 Fiat 500 car insurance premium compared to other small car models.
Figure 2: Average 2019 Fiat 500 car insurance premium compared to other small car models. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2019 model year Fiat 500. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Fiat 500 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Fiat 500 Insurance Cost Compared to All Small Cars
Rank Make and Model Annual Premium Difference
1Ford Fiesta$1,546-$14
2Honda Fit$1,548-$12
3Toyota Corolla$1,552-$8
4Fiat 500$1,560--
5Fiat 500L$1,650$90
6Chevrolet Spark$1,664$104
7Volkswagen Golf$1,678$118
8Fiat 124 Spider$1,688$128
9Hyundai Accent$1,690$130
10Toyota Yaris$1,694$134
11Smart Fortwo$1,700$140
12Subaru Impreza$1,704$144
13Mazda 3$1,724$164
14Honda Civic$1,812$252
15Fiat 500E$1,822$262
16Nissan Sentra$1,842$282
17Nissan Versa$1,852$292
18Kia Forte$1,862$302
19Hyundai Veloster$1,868$308
20Volkswagen Beetle$1,900$340
21Kia Rio$1,934$374
22Toyota Prius$1,950$390
23Honda Clarity$1,972$412
24Chevrolet Sonic$1,994$434
25Volkswagen GTI$2,000$440
26Hyundai Ioniq$2,016$456
27Chevrolet Cruze$2,036$476
28Chevrolet Volt$2,056$496
29Hyundai Elantra$2,096$536
30Volkswagen Jetta$2,144$584
31Volkswagen E-Golf$2,154$594
32Toyota 86$2,270$710
33Toyota Mirai$2,378$818

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2019 model year. Updated June 27, 2025