Fiat Punto insurance group & cost

This supermini was first produced by Fiat in 1993, and was created to replace the Fiat Uno. Now in its third generation, the Fiat Punto is still popular amongst drivers, and whilst it is not thought of as one of Britain’s favourite cars, you’d be surprised with how many you see on UK roads.

Keep reading to find out more about Fiat Punto and Grande Punto car insurance costs and how you could save on your premiums.

Fiat Punto insurance groups and cost by driver’s age

When it comes to working out the cost of your car insurance, all vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive), which helps determine the cost of your premium. Fiat Punto models range from insurance groups 4 to 19, so the cost of insurance can vary significantly. For example, a 30-year-old driver in an average postcode could pay around £564 for cover on a Fiat Punto 1.2 Active White 3d, or around £706 for a Fiat Punto 1.6 Multijet Sporting 5d.

Use the table below to find out the insurance group and likely cost of your Fiat Punto model.

Fiat Punto insurance cost by driver’s age

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)

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Average Fiat Punto insurance rates

We wanted to provide you with an idea of how much it could cost you to insure your Fiat Punto, so we ran several quotes in order to find an average figure. Our results estimated that, on average, you could insure your Fiat Punto with comprehensive cover for £55.56 a month, or a single, annual cost of £606.21.

• How we got these rates

  • The car is a 2018 model
  • The driver is a 30-year-old teacher from London
  • Manual transmission
  • Petrol
  • 10,000 mileage per year
  • Factory fitted Thatcham approved alarm system
  • Used for social, domestic and commuting purposes
  • The car is not modified
  • The car is parked in a car park during the day
  • The car is parked on a driveway at night
  • Five years no claims discount
  • No driving or other convictions for the past 5 years

Which factors affect my Fiat Punto insurance rate?

When it comes to insurance premiums, there are a wide variety of factors that may prove influential. We have listed some of these factors below:

• Your age, marital status, job and where you live
• The model and age of your car
• Your car’s safety rating, security and any anti-theft precautions
• Annual mileage
• Your driving history and activity
• The size of your car’s engine
• No claims discount

How can I save on my Fiat Punto premiums?

How to save on your premiums is a question that many drivers ask themselves at one point or another, so we’ve worked hard to provide you with some answers! We’ve devised a list of tips and tricks to help you save money on your premiums:

• Pay annually rather than monthly. By paying annually, you could save an average of £60.51 a year!
• Make yourself a secure investment. By presenting yourself as reliable, you may be rewarded by your provider with lower premiums. You can do this by maintaining a clean history of no claims and a good credit rating.
• Be economical about your car usage. Opting to get the bus to work or walking to the shops can inturn save you money on your premiums by keeping your mileage low.
• Don’t just accept your renewal quote. When it’s time for renewal, shop around and compare quotes – don’t just accept the quote that you are given!
• Install extra safety precautions. Providers don’t like to insure risks, so by investing in extra safety measures, you are more likely to save some money on your premiums.
• Avoid driving convictions. Driving convictions, or any convictions for that matter, will hike up your premiums, so they are best to be avoided.

Fiat Punto facts

• The current Punto comes with an option of 12 different engines, four of which are diesel and two are BiPower engines.
• In 2016, around 220,000 Fiat Puntos were bought and registered in the UK.
• After its first 20 years, almost 9 million Fiat Puntos have been sold.

Bottom line

The Fiat Punto is one of the cheaper vehicles to run and that includes car insurance. It’s a great vehicle for first-time drivers because it’s so affordable, and our tips will help you to reduce your premiums even further.

• What is the top speed of a Fiat Punto?

  Depending on the model version, you can expect a Fiat Punto to reach a top speed of 132 miles per hour.

• Is the Fiat Punto safe?

  Unfortunately, the Fiat Punto is apparently not very safe. When tested by Euro NCAP in 2017, the Fiat Punto became the first car ever to achieve a 0/5 safety rating. Whilst it scored an average 51% for adult occupant safety and a mediocre 43% for child occupant safety, it was in fact its score of 0% for safety assist that concreted the Punto’s rating.

  The overall rating of the Punto is, obviously, a concern. As standard, the Punto comes with surprisingly little in the way of safety features, with even some airbags considered optional. Front airbags are included as standard, but any other airbag, such as a side, chest or pelvis bag, are considered optional, and it is worth noting that there are no airbags in the rear seats.

  Even basic safety features like seat belt reminders are somewhat omitted – there is only a seat belt reminder for the driver, whilst the passenger seat belt reminder is considered an optional feature, and there is no seat belt reminder for the rear seats.

  It is worth remembering, the safer your car is the lower your premiums, so get on the phone to your insurer and ask what safety features you can add in return for lower premiums.

• How much car tax do I have to pay for the Fiat Punto?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Fiat Punto?

  You can buy a Fiat Punto at dealerships, using online sellers or from a current owner.

• Is the Fiat Punto any good?

  This is one of the smaller less powerful cars, but it does provide decent value for money.

• Where can I find Fiat Punto car insurance?

  You can compare the costs of Fiat Punto car insurance using any price comparison website.

• Is a Fiat Punto expensive to insure?

  The Fiat Punto can be found in insurance groups ranging from 4 to 19. This means it costs cheaper than the average vehicle to insure.

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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