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Compare indicative groups across 1.2, TwinAir, 500C, Abarth and electric models, then verify the exact registration before buying.
Search Our Stock ❯At Fiat 500 Frenzy, we're Sheffield's only dealership dedicated exclusively to the Fiat 500. With over 60 years of combined motor trade experience, Tom and Shane help you navigate insurance costs when buying. Whether you're a young driver, a family buyer, or an Abarth enthusiast, understanding insurance groups directly impacts your decision. We'll find a 500 that matches both your requirements and your budget.
UK cars are assigned to insurance groups from 1 to 50 using factors such as performance, repair time and cost, parts prices and security. A lower group can help, but it does not set the premium. Insurers also price the driver, address, use, mileage, claims history, cover and excess. Even apparently similar Fiat 500s can have different group numbers, so always quote the exact registration.
Use the table carefully: the figures are indicative ranges seen across versions, not a promise that every car with that badge falls into the same group. Engine output, trim, transmission, year and body style can all change the classification.
| Model Variant | Engine | Group | Notes |
|---|---|---|---|
| Pop 1.2 Manual | 1.2L 8V | 1–3 | Entry-level; cheapest to insure |
| Pop Star 1.2 | 1.2L 8V | 2–4 | Slight increase for added trim |
| Lounge 1.2 | 1.2L 8V | 4–6 | Mid-spec; common secondhand |
| Lounge TwinAir | 0.9L Turbo | 7–10 | Performance turbo; higher premiums |
| Sport 1.2 | 1.2L 8V | 6–8 | Sporty spec; modest increase |
| 500 S (Post-2015) | 1.2L 8V | 6–8 | Updated facelift model |
A 500C may sit in a different group from a hatchback with the same engine because the body, roof and repair profile differ. The ranges below are a starting point only; compare quotes using the registration of each car being considered.
| Cabrio Variant | Engine | Group | Notes |
|---|---|---|---|
| 500C Dolcevita 1.2 | 1.2L 8V | 5–7 | +1–2 groups vs hatchback |
| 500C Lounge 1.2 | 1.2L 8V | 5–7 | Mid-range convertible |
| 500C Lounge TwinAir | 0.9L Turbo | 8–12 | Turbo performance convertible |
Abarth versions normally sit much higher than a standard Fiat 500 because of their performance, parts and repair profile. Power output and specification vary across 500, 595, 695 and special editions, so neither a broad group range nor somebody else's premium is a safe budget.
| Abarth Model | Engine | Power | Group |
|---|---|---|---|
| Abarth 500 (2007–2014) | 1.4L Turbo | 143 bhp | 26–29 |
| Abarth 595 (2015+) | 1.4L Turbo | 145 bhp | 28–31 |
| Abarth 595 Competizione | 1.4L Turbo | 165 bhp | 31–33 |
The newer electric 500 is not directly comparable with the older petrol car. Battery size, power, trim and repair methods influence its grouping, while insurer appetite for electric vehicles varies. Obtain like-for-like quotes rather than assuming electric automatically means cheaper or dearer cover.
Power, performance, parts, repair methods, trim and security all contribute to grouping. A 1.2 Pop is often lower than a TwinAir version, but there is no fixed cash value for moving one group because each insurer prices the whole risk differently.
The 500C can have a different classification because its body and roof repair profile differ. The effect on a personal premium is not a fixed percentage, so quote the hatchback and convertible registrations you are actually comparing.
Potentially, and a lower-group 1.2 manual is a sensible car to quote first. Compare real registrations, telematics and conventional policies, and several providers. Keep the excess affordable and declare the true main driver; adding somebody else as the main driver when they are not is fronting.
Factory security forms part of the vehicle assessment. An insurer may also ask about alarms, immobilisers, trackers and where the car is kept, but fitting a device does not guarantee a discount. Ask the insurer which approved systems it recognises before spending money.
The electric 500 commonly sits higher than basic older petrol versions, but insurers' pricing for electric vehicles varies. Compare quotes that include the correct battery size and trim, and check policy terms for charging cables, battery damage and replacement vehicles.
Monthly payment is often a credit arrangement and may cost more overall. Compare the total amount payable, not only the monthly figure, and choose a payment schedule that remains affordable.
A modification does not rewrite the published group number, but it can change whether an insurer will cover the car and the premium charged. Declare performance and cosmetic changes, including wheels, suspension and remaps, and obtain acceptance before the modification is used on the road.
The vehicle classification and the insurer's price are different things. Market prices can change at any time, so obtain quotes when comparing cars and again shortly before purchase or renewal. Check cancellation and switching terms in the policy rather than assuming every provider uses the same rules.
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