The Fiat Cinquecento, better known as the Fiat 500, is a small city car. The version on our quote form is the 500 Conv 1.4L. If you own one or are buying used, this page shows the yearly costs we can put numbers to.
That means the COE rule, road tax and car insurance. Insurance prices are examples for one stated driver, as of 1 November 2026, not a quote for you.
The version priced
The new-car list has no entry for this model on sale now. So there is no list price, power figure or body type here.
The price page prices the Cinquecento 500 Conv 1.4L, with a 1,368cc engine. It is the version most of our insurers quote.
COE
The price page states that the 1,368cc 500 Conv 1.4L needs:
- a Category A COE if its power is 97kW (130bhp) or less. Category A closed at S$132,004 in the October 2026, 2nd round.
- a Category B COE if its power is more. Category B closed at S$131,901 in that round.
For a used car, look at how many COE years remain. The COE page shows the latest results.
Road tax
At 1,368cc, LTA's formula gives S$606.84 a year, checked on 2026-10-19, before any age surcharge.
An older car pays more:
- Over 10 years: +10%
- Over 11 years: +20%
- Over 12 years: +30%
- Over 13 years: +40%
- Over 14 years: +50%
The road tax page works out other engine sizes.
A busy page of insurance prices
The Fiat Cinquecento price page prices this case:
- Car: 500 Conv 1.4L, registered 3 years ago, private use, comprehensive cover
- Driver: aged 40, married, office job, driving 10 years
- Record: 50% NCD, no claims
- Repairs: authorised workshop, no options
10 insurers give a price, across 15 plans. The lowest premium is S$651.23 a year. The insurer whose lowest plan costs most asks at least S$1,200.22. That is S$548.99 more, or 84% on top. Every price includes 9% GST.
For a car no longer on sale, that is a good field. Only one insurer has no online price: it holds a figure for one standard driver only, so it shows no price for your details here.
Sorting the plans by excess
The excess is what you pay towards each claim. It runs from S$0 to S$5,000 on this page. A few examples:
- The lowest premium, S$651.23: S$1,200 excess
- A S$763 plan: S$5,000 excess. Its twin at S$940.11 brings that down to S$750
- A S$1,113 plan: S$5,000 excess, on a plan built around the family's NCD
- Plans from S$1,074.14 to S$1,489.34: mostly S$500 or S$600
- One plan at S$1,200.22: S$0 excess
So the second-lowest premium on the page asks you to pay the first S$5,000 of a claim. That makes it a very different deal from the plans around it. Ranking by premium alone would hide that.
Some prices are estimates, read from published tables. Several insurers offer two tiers, such as a classic and a premium version, with the same excess but different cover.
How the premium moves
The price page shows the lowest price when one thing changes:
- Driver aged 27, 3 years' driving, 30% NCD: S$1,556.50, S$905.27 more
- No NCD (0%): S$1,497.83, S$846.60 more
- 20% NCD: S$1,094.08, S$442.85 more
- Driver aged 65, 20 years' driving: S$899.23, S$248 more, from 9 insurers
- A new car, registered this year: S$692.79, S$41.56 more
- A car 8 years old: S$637.37, S$13.86 less
The young driver costs most, at 139% above the example. For that driver and for the older driver, a different insurer offers the lowest price. That is a good reason to compare on your own details, not on the example.
The NCD lines show the usual pattern. At 20% NCD the lowest price is S$442.85 above the example. At no NCD it is S$846.60 above.
These are lowest prices only.
Against cars of a similar size
The price page compares the Cinquecento with 6 cars of similar engine size, same driver and car age:
- Toyota Sienta: S$674.30
- Mazda 3: S$730.18
- Mercedes-Benz C-Class: S$749.93
- Honda Freed: S$756.48
- BMW X1: S$763.00
- Mercedes-Benz GLB: S$822.26
Their average lowest price is S$749.36. The Cinquecento is 13% below it, and none of the 6 is cheaper to insure on these details.
For more, see the cheapest cars to insure. Other Fiat models are on the Fiat car insurance page.
What depends on you
- Petrol: set by your distance and pump prices.
- Parking: a small car pays the same season parking as a large one. Add work and weekend parking.
- ERP: depends on your routes and timing.
- Parts and repairs: ask how readily parts are found for an older model and how long they take.
- End of COE: for an older car, renewing or deregistering is a cost choice in itself.
Summary of yearly costs we can show
Fiat Cinquecento 500 Conv 1.4L:
- Road tax: S$606.84 a year before age surcharge (checked 2026-10-19)
- Insurance, example driver: from S$651.23 a year (as of 1 November 2026)
- Insurance, driver aged 65: from S$899.23
- Insurance, driver aged 27: from S$1,556.50
- Insurance, a car 8 years old: from S$637.37
COE for reference: Category A closed at S$132,004 and Category B at S$131,901 in the October 2026, 2nd round.
Before you buy: car insurance for the Fiat Cinquecento
Before you drive off, get your car insurance through Shenton Brokers. Compare car insurance for the Fiat Cinquecento to see today's prices from every insurer we compare and how they change with the driver and the car's age. Or get a quote with your own details.