Fiat 500 Insurance Cost in Oregon

Insuring a Fiat 500 in Oregon costs about $1,220 a year ($102/month) for full coverage by our estimate — −7% versus the same car nationally — the 20th most expensive of 51 states for this model.

Fiat 500 (photo from Wikimedia Commons) — Photo: Ad Meskens, CC BY-SA 3.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Fiat 500 insurance in Oregon at a glance

Full coverage

$1,220

$1,000–$1,440

25/50/20 minimum

$640

$53/mo

Same car nationally

$1,305

full coverage

Avg. car in OR

$1,425

−14% for the 500

The Fiat 500 is 14% cheaper than the average vehicle to insure in Oregon. Oregon's own base rates are 9% lower than the national average, which carries through to every model.

Oregon factors that affect 500 premiums

Uninsured drivers: 14.7% of Oregon drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your 500.
Theft: 215 vehicle thefts per 100,000 residents (U.S. 197).
Weather: FEMA rates Oregon's expected annual losses as very low for hail, relatively low for tornado, not rated for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
Crash risk: 1.44 traffic deaths per 100 million miles (U.S. 1.19).
Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Oregon →

Fiat 500 insurance cost in Oregon cities

City	Full coverage	Minimum	vs. state
Portland	$1,385	$725	+14%
Salem	$1,340	$700	+10%
Eugene	$1,300	$680	+7%
Gresham	$1,405	$735	+15%
Hillsboro	$1,360	$710	+11%
Bend	$1,255	$660	+3%
Beaverton	$1,385	$725	+14%
Medford	$1,255	$660	+3%

Fiat 500 insurance in Oregon by driver

Estimated annual Fiat 500 premium in Oregon
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,755	$2,545	$3,350	$279
Young adult (22)	$1,020	$1,480	$1,950	$163
Adult in their 30s	$640	$925	$1,220	$102
Adult in their 50s	$585	$850	$1,120	$93
Senior (72)	$715	$1,035	$1,365	$114
30s, one at-fault accident	$925	$1,340	$1,765	$147
30s, DUI on record	$1,180	$1,715	$2,255	$188

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$640	$53	$525–$755
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$925	$77	$760–$1,090
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,220	$102	$1,000–$1,440

Oregon minimum: 25/50/20 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Oregon

Model	Full coverage in OR	vs. 500
Volkswagen Beetle	$1,355	+11%
Honda Fit	$1,355	+11%
Smart fortwo	$1,385	+14%
MINI Cooper	$1,090	−11%

Estimate your 500 premium by ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Fiat 500 insurance cost in every state · All Fiat models

Frequently asked questions

How much is Fiat 500 insurance in Oregon?

About $1,220 a year ($102 a month) for full coverage and $640 for Oregon's minimum liability, for a driver in their 30s with a clean record. That is 7% less than the national estimate for the same car.

Is the Fiat 500 cheaper to insure than the average car in Oregon?

The average vehicle in Oregon is about $1,425 a year for full coverage in our model, so the Fiat 500 is 14% cheaper than average.

Where in Oregon is Fiat 500 insurance cheapest?

Among the largest Oregon cities, Bend has the lowest estimate (about $1,255) and Gresham the highest (about $1,405).

What insurance do I need for a Fiat 500 in Oregon?

Oregon requires at least 25/50/20 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page