- Car insurance rates for the Fiat 500L cost on average $1,666 per year, $833 for a 6-month policy, or $139 per month.
- When compared to the entire 2020 small car segment, the 500L ranks at the top at third out of 27 total comparison vehicles.
- Drivers can find the cheapest car insurance rates on the 500L Pop 2WD model at $1,638 per year, while the 500L Lounge 2WD has the highest rates at $1,712 per year.
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.

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.

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