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See insurance groups for popular Fiat models
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Fiat models typically sit in Groups 1 to 26. The entire Fiat range stays below Group 26, which is unusual and makes Fiat one of the more affordable brands to insure overall.
| Model | Typical Insurance Group | Engine |
|---|---|---|
| Doblo (2010) | 4-13 | 1.4-2.0L |
| 500 (2008) | 5-19 | 0.9-1.4L |
| Panda (2012) | 6-12 | 0.9-1.2L |
| Tipo (2016) | 6-15 | 1.4-1.6L |
| Punto (2010) | 6-21 | 1.2-1.4L |
| 500L (2013) | 7-18 | 0.9-1.6L |
| 500X (2015) | 8-19 | 1.0-2.0L |
| 500 Electric (2021) | 14-21 | Electric |
See how Fiat models compare for reliability in our Fiat reliability report.
Every car sold in the UK is assigned to one of 50 insurance groups by Thatcham Research and the ABI. Group 1 typically represents the lowest insurance cost, and group 50 the highest. Insurers generally use these groups as one factor when calculating your premium, alongside your age, location, driving history, and other personal details. For example, the Fiat Panda starts from Group 6, while the 500 Electric reaches Group 21.
Insurance groups set by Thatcham Research and the ABI.
Fiat models typically start at Group 6 (Panda) and top out at Group 21 for the 500 Electric across the models in this list. The whole range sits below Group 26, which is a rare position among mainstream brands and typically keeps insurance costs on the lower side.
Insurance groups are only one of several factors. Insurers may also weigh up your age, where you live, your annual mileage, your driving history, and any modifications to the car. Two drivers insuring the same Fiat could receive very different quotes.
Whether you choose fully comprehensive, third party fire and theft, or third party only cover can also affect your premium. Comprehensive cover is often competitively priced compared to third party only.
The most reliable way to find your price is to compare quotes from multiple insurers.
Based on typical Thatcham insurance group ratings, these four Fiat models sit in the lowest group bands and may be worth shortlisting if keeping the premium down is a priority.
1. Panda (Groups 6-12)
Typically the cheapest current Fiat to insure. A small city car with 0.9 or 1.2-litre engines. Earlier Panda generations are known to have started as low as Group 1.
2. Doblo (Groups 4-13)
A practical MPV starting at Group 4. Not the most stylish choice but one of the lowest-group family vehicles you can buy new or used.
3. 500 (Groups 5-19)
The iconic Fiat 500 starts at Group 5 for the base 0.9 TwinAir trim. A stylish city car that stays in low groups even in higher trims.
4. Tipo (Groups 6-15)
A family hatchback starting at Group 6. One of the cheapest cars in its class to insure, with a spacious cabin for the price.
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Get QuotesFiat has several models that may be practical first cars for new drivers. The Panda (Groups 6-12) and 500 (Groups 5-19) both start low on the Thatcham scale, and both are widely available on the used market at competitive prices.
A telematics policy could help new drivers demonstrate safe driving habits, which may lead to lower premiums over time. Black box devices or app-based policies typically monitor braking, cornering, and time of day, and reward safe driving with a lower renewal price.
If you are aged 17 to 21, see our dedicated young drivers insurance guide for more tips.
University students may also find our student car insurance guide helpful, particularly for advice on registering the car at the address where it is kept most often.
Seven practical steps that could help reduce your Fiat insurance premium.
Compare quotes from multiple insurers
Prices for the same car and driver can vary between providers. Comparing quotes is typically the most effective way to find a competitive deal.
Start with the Panda or 500
Both start in single-digit groups, making them two of the cheapest options in the Fiat range. The Panda is one of the most affordable cars to insure on the UK market.
The whole range stays low
No current Fiat sits above Group 26, so even mid-range choices like the Tipo or 500X keep insurance costs modest.
Weigh up the 500 Electric
The 500 Electric (Groups 14-21) is one of the cheapest EVs to insure. Worth quoting if you are open to going electric.
Consider a telematics policy
A black box or app-based policy could reward safe driving with lower premiums, particularly for younger drivers.
Increase your voluntary excess
A higher excess typically means a lower premium, but make sure you could afford to pay it if you needed to make a claim.
Pay annually if you can
Monthly instalments could add interest to the overall cost, so paying upfront may save you money over the year.
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