+120 more)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Car insurance for the Fiat 500 costs an average of $120 per month. That’s 26% less than the national average for all vehicles.
USAA offers the cheapest average rate for Fiat 500 coverage, at $60 per month. State Farm is close behind, at $67 per month.
The 500’s low value, compact size, and relatively low theft risk help keep premiums low. But 500e EV models can cost more to insure than older gas versions.
The auto coverage you choose affects how much you pay to insure your Fiat 500.
Liability insurance is the cheapest option. It’s the bare-minimum insurance that helps pay for injuries and property damage you cause others. But it won’t pay to repair or replace your own car after a crash.
Full coverage is typically more expensive, but it adds collision and comprehensive insurance. Collision coverage helps fix your Fiat after an accident. Comprehensive coverage helps pay for damages from things like theft, vandalism, fire, or storm damage. If you lease or finance your 500, your lender usually requires you to buy a full-coverage insurance policy.
Here’s how the average Fiat 500 costs compare to the averages for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Fiat 500 | $93 | $146 | $120 |
| All vehicles | $113 | $212 | $163 |
Fiat 500 drivers pay less than the average for all vehicles for both liability only and full coverage, thanks to its lower value.
Let’s explore how details like your age, driving record, and location can affect your rates.
Rates for the Fiat 500 can vary significantly from one insurer to another, even for the same driver and coverage.
Some companies rate small city cars more favorably than others, which is why it’s a good idea to compare quotes from multiple insurers.
Below are the companies with the cheapest car insurance quotes for Fiat 500 drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $67 |
| Allstate | $85 |
| American Family | $91 |
| GEICO | $93 |
| CSAA | $102 |
| Nationwide | $110 |
| Progressive | $112 |
| Travelers | $115 |
| Farmers | $130 |
| Liberty Mutual | $155 |
| Amica | $292 |
USAA is the cheapest option, at $60 per month. That’s half the overall average monthly premium for the Fiat. But only active-duty military, veterans, and certain family members can buy coverage through USAA.
Let’s take a closer look at three of the best insurance companies for the Fiat 500.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is a standout pick if you’re a member of the military community. It pairs some of the lowest prices on the market with solid coverage options. That combination works well for a budget-friendly compact like the Fiat 500, especially if you want to keep monthly costs as low as possible.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is great for Fiat 500 drivers who want personal guidance and stable pricing. You can tap into multiple discounts — including safe driving and low-mileage programs — which help lower costs for an already affordable small car.
Large network of agents
Many available discounts
Excellent financial strength rating[3]
Gap insurance not available
Few optional coverages
Higher-than-average rates for drivers with poor credit
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate can be a good match if you want flexible protection and are willing to pay more for some extras. Features like accident forgiveness can give you added security on the road. And its Drivewise and Milewise telematics programs can help you offset the brand’s typically higher rates.
Many available coverages
Accident forgiveness available
Available in all 50 states
Higher average premiums
Below-average customer satisfaction
Fewer available discounts
Compare quotes for your sedan as low as $160 per month.
Compact and cute, the Fiat 500 is affordable to insure. Our data shows that the average monthly cost to insure a 500 is well below the national average for all vehicles.
That said, it will usually cost more to insure a newer 500e car model than a 5-year-old 500. That’s because newer vehicles tend to be worth more and would cost insurers more to repair or replace. If you’re driving around in an older Fiat, you’ll likely pay less for coverage.
Here’s a look at Fiat 500 car insurance costs by model year, based on Compare.com data.
500 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $145 |
| 2024 | $145 |
| 2019 | $131 |
| 2018 | $126 |
| 2017 | $124 |
| 2016 | $120 |
| 2015 | $117 |
| 2014 | $116 |
| 2013 | $110 |
| 2012 | $106 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $81 |
| Allstate | $103 |
| GEICO | $112 |
| CSAA | $123 |
| American Family | $110 |
| Progressive | $135 |
| Nationwide | $133 |
| Travelers | $139 |
| Farmers | $157 |
| Liberty Mutual | $187 |
| Amica | $353 |
Company | Average Monthly Premium |
|---|---|
| USAA | $72 |
| State Farm | $81 |
| Allstate | $103 |
| GEICO | $112 |
| CSAA | $123 |
| American Family | $110 |
| Progressive | $135 |
| Nationwide | $133 |
| Travelers | $139 |
| Farmers | $157 |
| Liberty Mutual | $187 |
| Amica | $353 |
Company | Average Monthly Premium |
|---|---|
| USAA | $65 |
| State Farm | $73 |
| Allstate | $92 |
| GEICO | $101 |
| CSAA | $111 |
| American Family | $99 |
| Progressive | $122 |
| Nationwide | $120 |
| Travelers | $125 |
| Farmers | $141 |
| Liberty Mutual | $169 |
| Amica | $318 |
Company | Average Monthly Premium |
|---|---|
| USAA | $63 |
| State Farm | $70 |
| Allstate | $89 |
| GEICO | $97 |
| CSAA | $107 |
| American Family | $95 |
| Progressive | $117 |
| Nationwide | $115 |
| Travelers | $120 |
| Farmers | $136 |
| Liberty Mutual | $162 |
| Amica | $306 |
Company | Average Monthly Premium |
|---|---|
| USAA | $62 |
| State Farm | $69 |
| Allstate | $88 |
| GEICO | $96 |
| CSAA | $105 |
| American Family | $94 |
| Progressive | $115 |
| Nationwide | $113 |
| Travelers | $118 |
| Farmers | $134 |
| Liberty Mutual | $160 |
| Amica | $301 |
Company | Average Monthly Premium |
|---|---|
| USAA | $60 |
| State Farm | $67 |
| Allstate | $85 |
| GEICO | $93 |
| CSAA | $102 |
| American Family | $91 |
| Progressive | $112 |
| Nationwide | $110 |
| Travelers | $115 |
| Farmers | $130 |
| Liberty Mutual | $155 |
| Amica | $292 |
Company | Average Monthly Premium |
|---|---|
| USAA | $59 |
| State Farm | $65 |
| Allstate | $83 |
| GEICO | $91 |
| CSAA | $100 |
| American Family | $89 |
| Progressive | $109 |
| Nationwide | $107 |
| Travelers | $112 |
| Farmers | $127 |
| Liberty Mutual | $151 |
| Amica | $285 |
Where you live significantly affects how much it costs to insure your Fiat 500. Insurance coverage requirements vary by state, as do accident risks, weather events, and traffic density — all of which affect insurance premiums.[4] Medical care expenses, vehicle repair costs, and fraud frequency in an area also play a role.
The map below shows average monthly Fiat 500 insurance rates by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $99 |
| Arkansas | $114 |
| Arizona | $105 |
| California | $129 |
| Colorado | $129 |
| Connecticut | $179 |
| Delaware | $150 |
| Florida | $140 |
| Georgia | $160 |
| Hawaii | $79 |
| Iowa | $67 |
| Idaho | $66 |
| Illinois | $100 |
| Indiana | $82 |
| Kansas | $93 |
| Kentucky | $124 |
| Louisiana | $134 |
| Massachusetts | $95 |
| Maryland | $190 |
| Maine | $88 |
| Michigan | $144 |
| Minnesota | $109 |
| Missouri | $114 |
| Mississippi | $95 |
| Montana | $94 |
| North Carolina | $56 |
| North Dakota | $73 |
| Nebraska | $90 |
| New Hampshire | $55 |
| New Jersey | $169 |
| New Mexico | $91 |
| Nevada | $159 |
| New York | $138 |
| Ohio | $78 |
| Oklahoma | $108 |
| Oregon | $96 |
| Pennsylvania | $101 |
| Rhode Island | $138 |
| South Carolina | $154 |
| South Dakota | $87 |
| Tennessee | $89 |
| Texas | $137 |
| Utah | $94 |
| Virginia | $112 |
| Vermont | $90 |
| Washington | $106 |
| Washington D.C. | $197 |
| Wisconsin | $76 |
| West Virginia | $93 |
| Wyoming | $71 |
Age is usually a good indicator of driving experience. Younger drivers have less experience behind the wheel and a greater risk of getting into an accident. Experienced drivers have less risk and generally pay lower insurance premiums. Seniors, who drive the least and have the lowest accident risks, typically have the lowest premiums.
Here’s a look at average costs for Fiat 500 drivers based on their age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $230 |
| Adults | $120 |
| Seniors | $103 |
Insurance for young Fiat 500 drivers costs more because teens face more risks behind the wheel. Drivers aged 16–19 crash nearly three times more often than adults, according to the Centers for Disease Control and Prevention (CDC).[5] Inexperience, distraction, and speeding are often to blame.
Check out average monthly Fiat 500 insurance rates for young drivers by company, based on our data.
By the time drivers reach their senior years, their experience and caution earn them the lowest insurance rates. Fiat 500 drivers older than 55 typically drive less and take fewer risks. They tend to be more cautious and obey traffic laws more consistently, leading to safer driving records and lower premiums.[6]
The chart below shows the average rates for senior Fiat 500 drivers, according to our data.
Your driving record is one of the most important car insurance rating factors. A clean record indicates lower risk. But accidents, speeding tickets, or driving under the influence (DUI) convictions signal a higher potential for filing a claim. Insurers reward good records with lower rates and charge drivers with violations higher rates to compensate for greater risks.
Here’s how average monthly Fiat 500 rates vary by driving history, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $120 |
| Speeding ticket | $161 |
| At-fault accident | $172 |
| DUI | $202 |
A speeding ticket can cause your Fiat 500 insurance rates to climb fast. Speeding increases your risk of getting into an accident, which raises the chance of future claims. Our data shows that a single speeding ticket can increase rates by 29% nationwide.
The chart below shows the average monthly premiums for 500 drivers with a speeding ticket, according to our data.
An accident often leads to higher car insurance costs. At-fault accidents signal that you’re a greater risk to insurers. Filing a claim after a crash can trigger a rate review, and Compare.com data shows rates typically rise by around 33% following an accident.[7]
Below are average monthly Fiat 500 insurance rates for drivers with an at-fault accident, according to our data.
A DUI can cause a major spike in your Fiat 500 insurance rates. DUIs signal to companies that you’re an extremely high risk to insure. It’s hard to overstate the risk of drunk driving. A blood alcohol level (BAC) of .08 makes you four times more likely to crash, according to the CDC.[8] [9] And a BAC of .15 makes an accident at least 12 times more likely.
After a DUI, many states also require your insurer to file an SR-22 or FR-44 to prove your financial responsibility. While finding coverage is tougher after a DUI, some insurers specialize in helping high-risk drivers get back on track.
Here’s how average monthly Fiat 500 insurance rates vary for drivers with a DUI, according to our data.
Many car insurance rating factors are relevant regardless of the vehicle, like location and driving record. But the Fiat 500 has some quirks that could work in your favor when it comes to insurance, including:
Repair and parts costs: The 500 is a small, relatively simple hatchback. But it’s also an import with a limited U.S. market presence. That can mean higher costs or longer waits for certain parts, which some insurers factor into pricing.[10]
EV or combustion power: Fiat discontinued its gas-powered 500s in 2020 and reintroduced the model as the 500e, an electric vehicle, in 2024. Average insurance costs are typically higher for EVs than gas-powered vehicles, largely because of higher repair costs.
Vehicle value: Many used 2019 Fiat 500s are worth around $10,000–$14,000 today, depending on trim level. This means replacement costs and premiums are lower than for newer, pricier models.
Safety features: The 500’s basic safety equipment and compact size can help reduce the severity of some crashes. But older models may lack driver-assistance features that can lower rates for newer cars.
Vehicle theft rates: The Fiat 500 isn’t one of the most-stolen vehicles, according to the National Insurance Crime Bureau (NICB).[11] Since it isn’t a common theft target, insurers don’t usually add extra markups for theft risk, which helps keep premiums low.
The Fiat 500 is a small, nimble vehicle often used for short city commutes. That means you have some great ways to save on your auto coverage, including:
Enroll in a usage-based program. If you mainly use your 500 for short trips, a telematics or pay-per-mile program can reward your low mileage and safe driving with discounts.
Take a defensive driving course. Many insurers offer discounts for drivers — especially teens — who complete an approved driver safety course. Some states even mandate that insurers offer discounts for completing such programs.
Add or verify anti-theft devices. Simple steps like installing an alarm or immobilizer and making sure your insurer knows about it can score you an anti-theft discount.
Ask about small-car and safety discounts. Some companies offer savings for compact, lower-value vehicles. You could also qualify for a discount if your 500 has safety features like airbags and anti-lock brakes.
Bundle for savings. Many insurers provide discounts to drivers who have more than one policy with the same company. Bundling your home insurance with your Fiat 500 coverage could save you money.
Get rates from 100+ top insurers and save money in seconds.
If you’re shopping for insurance for your Fiat 500, you probably have questions. Below, you’ll find answers to the most common questions Fiat 500 owners ask about insuring their cars.
Not typically. The Fiat 500 is usually inexpensive to insure. The average monthly cost for Fiat 500 coverage is $120, compared to the overall average for all vehicles of $163, according to Compare.com data.
USAA offers the lowest average rates for Fiat 500s, at just $60 per month. But you only qualify for USAA coverage if you’re a member of the military community or a family member of one. State Farm and Allstate are more widely available and also offer affordable coverage, at $67 and $85 per month, respectively.
Car insurance for a 2025 Fiat 500e costs an average of $145 per month, according to Compare.com data. Full coverage averages $176 monthly, and liability insurance costs an average of $112 per month.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
)
)
)
)
)
)
)
)
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)