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Fiat Tipo insurance cost in the UK (2026)

The average UK comprehensive car insurance premium for a Fiat Tipo is about £645 a year in 2026 — only a little above the ~£600 typical UK car, because most Tipos are genuinely cheap to insure family cars. The mainstream 1.3 MultiJet diesel and 1.4 petrol hatchbacks and estates sit in insurance groups 6–10, so an Easy, Life or Lounge is one of the most affordable family cars on the road; only the 1.6 MultiJet 120 diesel, 1.4 T-Jet and the late 1.5 Hybrid 48V Cross (group 22–24) push premiums higher. Full breakdown by version, driver age and region below.

Premiums by version → Other cars
Typical Fiat Tipo insurance costs

Independent research from our UK cost index — sourced from ABI and Confused.com published data.

6–24
Fiat Tipo insurance groups
£645/yr
Average UK Fiat Tipo premium, 2026
from £430
Cheapest 1.3 MultiJet diesel, group 6
Direct Answer

How much does it cost to insure a Fiat Tipo?

A typical UK driver pays around £645 a year for comprehensive cover on a Fiat Tipo in 2026, based on aggregated market data — roughly £54 a month if you pay in one go, or about £58 a month on monthly instalments once interest is added. That is only a little above the ~£566–£600 UK average, which is a strong result for a five-door family car and reflects the Tipo’s low list price, modest engines and cheap parts. The version matters most: the 1.3 MultiJet diesel sits in insurance group 6 on the 1–50 scale, and the mainstream 1.4 petrol and 1.0 FireFly hatchbacks and estates sit in groups 6–10 — among the cheapest family cars you can insure. Only the 1.4 T-Jet 120, the 1.6 MultiJet 120 diesel and the late 1.5 Hybrid 48V Cross (group 22–24) cost noticeably more. Age and postcode then move the figure hard: a 20-year-old pays roughly £765 on the base car, a 40-year-old closer to £410. If your renewal is well above these numbers, read our guide on why UK car insurance is so expensive in 2026 before you renew.

By Version

Fiat Tipo insurance group & typical premium by version (2026)

Fiat Tipo typical insurance premium by version — UK 2026
The diesel and petrol hatchbacks cluster near £480–£580; the 1.4 T-Jet, 1.6 MultiJet diesel and 1.5 Hybrid 48V Cross climb higher up the group scale.
1.3 MultiJet diesel£480 1.4 16v petrol£520 1.0 FireFly 100£580 1.0 FireFly Cross£620 1.4 T-Jet 120£660 1.6 MultiJet 120£710 1.5 Hybrid 48V£850

Source: Parkers and VehicleScore Fiat Tipo insurance-group data (group range 6–24) and Thatcham Research insurance-group ratings; typical composites for a 35–50-year-old driver, not live quotes.

Fiat Tipo versionInsurance group (1–50)Typical annual premium
1.3 MultiJet 95hp diesel (Easy / Lounge)6£430–£540
1.4 16v 95hp petrol (Easy / Mirror)8£460–£580
1.0 FireFly 100 petrol (Life / estate)10£520–£650
1.0 FireFly Cross / City Sport11–13£560–£700
1.4 T-Jet 120hp petrol (Sport / S-Design)13–14£590–£730
1.6 MultiJet 120hp diesel (Elite / Lounge)15–16£640–£790
1.5 Hybrid 48V Cross (2021–24)22–24£760–£940

Sources: Parkers and VehicleScore Fiat Tipo insurance-group listings (hatchback and estate groups 6–16, Tipo Cross 11–24) and Thatcham Research insurance-group ratings; higher-group T-Jet, 1.6 MultiJet diesel and 1.5 Hybrid figures from Parkers/insurer group data. Premium ranges are illustrative composites for a typical 35–50-year-old driver, clean licence, comprehensive cover, mid-range postcode — not live quotes.

By Driver & Region

How age and postcode change the Fiat Tipo premium

Driver age and location move the Fiat Tipo premium far more than the trim badge alone. Using the base 1.3 MultiJet diesel (insurance group 6) as a constant, market data shows the following age curve — the same car, very different prices:

Driver age (base group 6 Fiat Tipo)Typical annual premium
Age 20£765
Age 30£470
Age 40£410
Age 50£390

Sources: aggregated age-banded quote data for a Fiat Tipo 1.3 MultiJet (group 6). Location example for a 30-year-old on the same model: about £340 (rural Cornwall / North East) to £745 (inner London), with a mid-range Midlands postcode near £470 — a London driver pays roughly twice a rural one.

Six practical ways to bring a Fiat Tipo premium down:

  1. Pick a low-group version — a 1.3 MultiJet diesel or 1.4 16v petrol (groups 6–8) can be 20–35% cheaper to insure than a 1.4 T-Jet 120 or 1.6 MultiJet diesel, and far less than the 1.5 Hybrid 48V Cross.
  2. Increase your voluntary excess — raising it from £150 to £500 typically cuts the premium 8–15%, if you can cover the excess on a claim.
  3. Add a low-risk named driver — a second experienced driver can save 10–20%, provided the genuine main driver is named correctly (never “fronting”).
  4. Pay annually, not monthly — monthly instalments carry 20–40% APR; paying the £645 in one go avoids that interest.
  5. Build and protect no-claims discount — several clean years can cut a base premium by 60%+; protecting it keeps the discount after a single claim.
  6. Compare 21–23 days before renewal — the cheapest quotes still cluster about three weeks out, even after the FCA fair-pricing rules ended the loyalty penalty.
Common Questions

Fiat Tipo insurance FAQs

The Fiat Tipo spans insurance groups 6 to 24 on the 1–50 scale. The 1.3 MultiJet diesel is group 6, the 1.4 16v petrol around group 8, the 1.0 FireFly petrol about group 10 and the 1.4 T-Jet 120 near group 13–14. Higher up, the 1.6 MultiJet 120 diesel sits around group 15–16, and the late 1.5 Hybrid 48V Cross reaches group 22–24. For the cheapest cover, choose a 1.3 MultiJet diesel or 1.4 16v petrol hatchback.
The average across all drivers and versions is about £645 a year for comprehensive cover in 2026, or roughly £54 a month if you pay annually (nearer £58 a month on monthly instalments once interest is added). A typical 40-year-old on a base 1.3 MultiJet diesel pays nearer £410, while a 20-year-old on the same car pays around £765. A 1.4 T-Jet 120 or 1.6 MultiJet diesel owner pays more, and the exact figure depends on your specific Tipo, age, postcode, no-claims discount and annual mileage.
No — for a five-door family car it is genuinely cheap. With the mainstream diesel and petrol hatchbacks and estates in insurance groups 6–10, a low list price and cheap parts, the Tipo insures much like a supermini rather than a mid-size family car. The average premium of about £645 a year is only a little above the UK all-car average. The pricier exceptions are the 1.4 T-Jet 120, the 1.6 MultiJet 120 diesel and the 1.5 Hybrid 48V Cross (group 22–24), which carry higher power, values and repair costs.
The 1.3 MultiJet 95hp diesel is the cheapest to insure, sitting in insurance group 6 with typical premiums of about £430–£540 for a settled driver. The 1.4 16v 95hp petrol (group 8) is close behind, and the 1.0 FireFly petrol in Life or estate trim is a little higher at group 10. Stepping up to the 1.4 T-Jet 120, the 1.6 MultiJet 120 diesel or the 1.5 Hybrid 48V Cross lifts the group — and the premium — noticeably.
Yes, generally a bit more, and it depends on the engine rather than the rugged Cross styling. A 1.0 FireFly Cross sits around insurance group 11–13, a step up from the group 10 standard 1.0 FireFly. The big jump is the 1.5 Hybrid 48V Cross, which reaches group 22–24 because of its higher power, value and hybrid running gear — expect £760–£940 for a settled driver. If you want Cross looks without the premium, a lower-powered 1.0 FireFly Cross insures much closer to a standard Tipo than the Hybrid does.
It can be a strong choice, if you pick the right version. The 1.3 MultiJet diesel in insurance group 6 and the 1.4 16v petrol in group 8 keep premiums reasonable for a new driver, and the Tipo’s modest power, family-car practicality and good safety kit reassure insurers. A 20-year-old can expect around £765 on the base model — high in absolute terms because of age, but fair for the age band and cheaper than many rival family cars. Adding a black box, completing Pass Plus and sticking to the lowest-group 1.3 or 1.4 version will bring it down further. Avoid the higher-group T-Jet, 1.6 diesel and Hybrid Cross for a first policy.
Yes, substantially. Postcode is one of the biggest pricing factors after age and the car itself. For the same base group 6 Fiat Tipo, a 30-year-old in a low-risk rural area might pay around £340, while the same driver in an inner-London postcode pays around £745 — more than double, with a Midlands postcode sitting mid-range near £470. Urban areas carry higher theft, vandalism and accident rates, which insurers price in. A secure overnight parking spot and an accurate mileage estimate both help keep the figure down.
Choose a low-group version (a 1.3 MultiJet diesel or 1.4 16v petrol in groups 6–8), pay annually to avoid 20–40% instalment APR, raise your voluntary excess if affordable, add a low-risk named driver, and build and protect your no-claims discount. Comparing quotes about three weeks before renewal, keeping mileage realistic and parking securely overnight all help. Younger drivers should also consider a telematics (black-box) policy, which can save new drivers a few hundred pounds a year.

Our sources

  • Parkers — Fiat Tipo insurance groups — per-engine group ratings for the hatchback, estate and Cross (groups 6–24) (parkers.co.uk)
  • VehicleScore — Fiat Tipo insurance group — group-range and model-variant context (vehiclescore.co.uk)
  • Thatcham Research — insurance-group ratings underpinning the by-version table
  • ABI 2026 Motor Insurance Premium Tracker — ~£566–£600 UK average comprehensive premium for context
  • Confused.com Price Index — 2026 market trend and regional pricing patterns
  • gov.uk — Vehicle insurance — legal cover requirements
  • Car Insurance Expert composite quote sample — 2026 illustrative ranges across major UK insurers for Fiat Tipo profiles

Reviewed by the Car Insurance Expert editorial team

Reviewed by the Car Insurance Expert editorial team (motor insurance research). Methodology: figures are compiled from Parkers, VehicleScore, ABI and Confused.com published data plus our own multi-insurer composite quote sampling. Questions: editorial@carinsuranceexpert.co.uk.

Last updated: 31 August 2026

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