Fiat 500e car insurance rates

How do I compare car insurance for the Fiat 500e?

The rate you’re offered reflects your driving history, credit score, location and the car you drive. For the Fiat 500e, insurers will consider these factors:

• Body type. The 500e is a four-door hatchback. Since it’s an electric car, it tends to cost more to insure than other subcompact cars — but less than a luxury car.
• Fuel. The 500e features a 8kW electric motor with a single-speed transmission, which may be expensive to insure. It has a driving range of 84 miles and a fuel efficiency of 121 MPGe for city driving, and 103 MPGe for highway driving.
• Theft rates. Generally, Fiat cars have low theft rates. When insurers aren’t worried about your car being stolen, they typically won’t hike up your rates.
• Maintenance. The 2019 model has many of the same parts as previous models. Fiat has a solid warranty program for any faulty parts or maintenance issues.
• Coverage. There’s no need to purchase specific coverage for the 500e. However, you might want to enhance your policy with comprehensive or collision coverage.
• Insurer options. Now that electric cars have moved into the mainstream, you shouldn’t have a problem finding a provider to insure the Fiat 500e.
• Warranty. Fiat covers the Electric Vehicle (EV) components with a four-year/50,000-mile limited warranty. These components include the motor, gearbox and onboard charger. The battery is protected by an eight-year/100,000-mile limited warranty. To avoid paying for coverage you don’t need, read the fine print on your warranty.
• Manufacturer offer or unique discount. Fiat has a string of discounts for eligible customers. If you work for one of Fiat’s affiliate companies, such as Alfa Romeo, Chrysler, Jeep and Dodge, you could slash the dealer’s invoice by 1%.

For drivers with permanent disabilities, the manufacturer offers a cash reimbursement of up to $1,000 to cover the costs of installing adaptive equipment to your car. Finally, military members may earn a $500 cash bonus. To find out if these offers apply to you, contact your Fiat dealer directly.

Does the Fiat 500e qualify for car insurance discounts?

It depends on your provider. When comparing coverage, ask the insurer if these discounts apply:

• New car discount
• Anti-theft discount
• Passive restraint discount
• Automatic wiper discount

Typically, you can save 5% to 30% by insuring a new car and fitting it out with additional safety and security features.

How reliable is the Fiat 500e?

While Fiats generally get decent safety ratings, there isn’t much information available about the 500e specifically.

• Safety. The 500e hasn’t undergone crash testing by the National Highway Traffic Safety Administration (NHTSA) or the Insurance Institute for Highway Safety (IIHS). But Edmunds says the car lacks the latest safety and driver assistance aids.
• Reliability. The car is yet to be ranked by US News, but Fiats are generally not the most reliable cars. The Fiat 500 was one of Consumer Reports list of 2017’s least reliable cars.
• Recalls. To date, there are no recalls or consumer complaints for the 2019 model. The 2017 and 2018 models also passed customers’ tests. In previous years, drivers complained about the charger cable and windshield wipers, and said the car was sometimes slow to start.

Bottom line

The Fiat 500e is an efficient electric car that doesn’t raise any insurance red flags, though it could have more sophisticated safety features. Fiat has a generous warranty program and a range of special offers, which may help you save money on maintenance in the long run.

To score the best possible policy, compare car insurance providers.

Frequently asked questions about the Fiat 500e

• Does the warranty include roadside assistance?

  Yes. Fiat offers roadside assistance for two years, with unlimited miles.

• How much does it cost to charge the car?

  Expect to spend $600 per year in electricity costs to keep the 500e running. In terms of miles, it costs $0.97 to drive 25 miles. According to Fuel Economy, you’ll save up to $4,250 over five years compared to the average new vehicle.

• How long does it take to charge the Fiat 500e battery?

  It depends on the charger. If you connect the car to a 120-volt Level 1 charger, it takes 24 hours, while a 240-volt Level 2 charger gets the job done in four hours.

• What are the car’s safety features?

  The Fiat 500e has a standard suite of safety features, including seven airbags, electronic stability control, pedestrian detection, front seat reactive head restraints, rear park assist and hill start assist. It’s also fitted with a child seat anchor system and a ParkView back up camera, while fog lamps help with visibility.

• What’s the difference between the Fiat 500 and 500e?

  The models look alike, but the key difference is their power source. The Fiat 500 runs on gas and has a 1.4L turbocharged engine. The 500e is a fully electric car with a high-voltage lithium-ion battery.