Insurance Rates for a Fiat 500L: Cost, Insights, and Savings

How much is car insurance on a Fiat 500L? We compared rates for the Trekking, Pop and Lounge trims and rank them against the competition.

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How much does Fiat 500L car insurance cost?

Fiat 500L car insurance rates average $1,666 yearly, or around $139 each month. On average, expect to pay around $307 less each year to insure a Fiat 500L when compared to the average rate for all small cars, and $555 less per year than the $2,221 average for all vehicles.

The following chart details average auto insurance rates for a 2020 Fiat 500L using different combinations of risk and driver age.

Average 2020 Fiat 500L insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2020 Fiat 500L insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Fiat 500L with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Fiat 500L trim levels.

2020 Fiat 500L Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,858$322
Safe Driver Age 20$3,376$281
At-fault Accidents Age 40$2,378$198
Low Deductibles Age 40$2,138$178
Safe Driver Age 30$1,768$147
Safe Driver Age 40$1,666$139
Safe Driver Age 50$1,486$124
High Deductibles Age 40$1,424$119
Safe Driver Age 60$1,392$116
Discount Rate Age 40$1,386$116

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2020 Fiat 500L trim levels. Updated June 27, 2025

To help you comprehend the full range of possible rates, consider that a liability-only insurance policy for a Fiat 500L in the cheaper areas of Ohio or Idaho may cost as little as $203 a year.

For the same 500L, a newly-licensed teen driver with a poor driving record in some zip codes in Detroit, MI, may have to pay as much as $16,304 a year for a full coverage policy.

How does 500L insurance cost compare?

When Fiat 500L insurance rates are compared to other popular small cars, the Fiat costs $208 less per year than the Honda Civic, $24 less than the Toyota Corolla, $154 less than the Nissan Sentra, and $564 less than the Hyundai Elantra.

The Fiat 500L ranks third out of 27 total comparison vehicles in the small car category. The 500L costs an estimated $1,666 per year to insure for full coverage and the category median average cost is $1,973 annually, a difference of $307 per year.

The chart below shows how average Fiat 500L car insurance rates compare to the top 10 selling small cars in the U.S. A table with more comprehensive data is included after the chart detailing insurance cost rankings for all 27 vehicles in the compact car segment.

Average 2020 Fiat 500L car insurance premium compared to other small car models.
Figure 2: Average 2020 Fiat 500L car insurance premium compared to other small car models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2020 model year Fiat 500L. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Fiat 500L trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Fiat 500L Insurance Cost Compared to All Small Cars
Rank Make and Model Annual Premium Difference
1Chevrolet Spark$1,586-$80
2Honda Fit$1,648-$18
3Fiat 500L$1,666--
4Toyota Corolla$1,690$24
5Volkswagen Golf$1,732$66
6Toyota Yaris$1,752$86
7Subaru Impreza$1,778$112
8Fiat 124 Spider$1,806$140
9Nissan Sentra$1,820$154
10Mazda 3$1,834$168
11Honda Civic$1,874$208
12Kia Rio$1,880$214
13Hyundai Accent$1,898$232
14Kia Forte$1,916$250
15Toyota Prius$2,024$358
16Hyundai Veloster$2,080$414
17Volkswagen GTI$2,088$422
18Volkswagen Jetta$2,100$434
19Nissan Versa$2,110$444
20Nissan Leaf$2,128$462
21Mitsubishi Mirage G4$2,130$464
22Chevrolet Sonic$2,168$502
23Honda Clarity$2,206$540
24Hyundai Elantra$2,230$564
25Hyundai Ioniq$2,274$608
26Toyota 86$2,406$740
27Toyota Mirai$2,460$794

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2020 model year. Updated June 27, 2025

Which 500L trim level is cheapest to insure?

With Fiat 500L insurance rates ranging from $1,638 to $1,712 annually for an average driver, the lowest-cost model to insure is the Pop 2WD. The next cheapest trim level to insure is the Trekking 2WD at $1,650 per year. Plan on budgeting a minimum of $137 per month for full coverage 500L insurance.

At the upper end of insurance cost on the 500L, the most expensive model to insure is the Lounge 2WD at an average of $1,712 per year.

The rate table below shows the average annual and 6-month insurance policy costs, in addition to a monthly budget figure, for each Fiat 500L model package and trim level.

2020 Fiat 500L Insurance Rates by Trim Level
2020 Fiat 500L Trim Level Annual Premium Cost Per Month
Pop 2WD$1,638$137
Trekking 2WD$1,650$138
Lounge 2WD$1,712$143

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated June 26, 2025

Insurance cost by trim level for a 2020 Fiat 500L ranging from the Pop 2WD model at $1,638 per year to the Lounge 2WD model at $1,712
Insurance cost by trim level for a 2020 Fiat 500L ranging from the Pop 2WD model at $1,638 per year to the Lounge 2WD model at $1,712