Fiat 500L Car Insurance: How Much Should You Expect to Pay?

Fiat 500L owners pay around $153 a month for their insurance, on average. Our comprehensive guide will help you see how much auto insurance carriers might charge you to insure your Fiat 500L.

Quick Facts

  • The Fiat 500L costs about the same as most other SUVs to insure.
  • Full coverage car insurance for a 500L comes in at about $149 monthly, on average, while liability only insurance usually averages around $67.
  • Sun Coast provides the most affordable average premiums for a 500L with liability only coverage offered for as low as $32 per month.

500L Overview

The Fiat 500L is a great SUV for all budgets, with a base price of just $22,500 for 2020 models. There's a 500L for every driver, with three different trim options offered.

We combed through thousands of auto insurance quotes on Compare.com, and we've found that Fiat 500L car insurance prices average out to about $153 monthly. How do insurance rates for the 500L compare to premiums of other similar SUVs?

Current Base Price$22,500
Body Style(s)SUV
Trim LevelsPOP, TREKKING, LOUNGE
Average Insurance Premium$153/mo.
Cheapest Insurance CompanySun Coast

How Much is Car Insurance for a Fiat 500L?

Vehicle Liability Only Full Coverage
Fiat 500L$67$149
All Fiat Models$69$142
All SUVs$80$151
Average Insurance Premium$81$169

You'll see in the table above that car insurance rates for a Fiat 500L are below average. 500L drivers typically pay around $149 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $67 per month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the 500L is in line with Fiat's vehicle offerings. Compared to SUV offerings from other brands, insurance for a 500L is also more affordable, with liability only insurance prices coming in about $13 less and $2 less for full coverage.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what model, body style, or make they are.

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Who has the Cheapest Car Insurance for a Fiat 500L?

Insurance Company Average Monthly Premium
Aspire$28
Sun Coast$32
Clearcover$35
MetLife$38
Shelter Mutual$38

In the market for an auto insurance policy for your Fiat 500L? You may be wondering which carrier offers the cheapest rates. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $28 per month from Aspire. With car insurance as little as $32 a month, Sun Coast is the next lowest auto insurance company.

Clearcover, MetLife, and Shelter Mutual finish off the rest of the top 5. However, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Fiat 500L.

After all, your results might be different, since insurance carriers look at a range of different variables when calculating rates. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a whole range of car insurance companies.

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What Factors Affect Car Insurance Rates for a Fiat 500L?

There are a wide array of things that auto insurance carriers use to determine how much to charge for insurance -- and every carrier weighs certain pieces more than others, so there's not a singular company that's the most affordable for each 500L owner.

The following sections show a range of factors auto insurance companies use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$49
2-3 Years$101
4-5 Years$61
6-7 Years$66
8-10 Years$43
11-14 YearsNot Enough Data
15 Years or OlderNot Enough Data

Fiat has been making the 500L for quite some time -- and that means the car's age may make a difference in how much you'll pay for car insurance. Usually, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually decrease.

Based on the information in the above table, the Fiat 500L is in line with this trend, as the cheapest models to insure are those that are 8 to 10 years old, while on average, the most expensive models are 500Ls that are 2 to 3 years old.

Your Age

Age Average Monthly Premium

Age plays a big role in how much you pay for auto insurance. In the table above, you'll see that those who have more experience on the road pay less for car insurance compared to younger drivers. Fiat 500L drivers aged 18 to 24 actually pay $44 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for 500L drivers.

Your Gender

Gender Average Monthly Premium
Male$67
Female$68

Because women are less likely to get into accidents and get speeding tickets, they are less likely to file a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. For 500L owners, that difference is around $1 monthly, with women paying an average of $68 and men looking at around $67.

Where You Live

State Average Monthly Premium
California$43
Florida$81
Georgia$106
Illinois$58
New York$214
North Carolina$49
Pennsylvania$39
Texas$57
Virginia$34

You may think it's obvious that things like what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live can have just as much as an impact? Because auto insurance is regulated on a state-by-state basis, rates can change quite a bit from state to state.

For example, the average Fiat 500L driver from New York pays about $214 per month for liability coverage, while the same owner from California will pay only 25% of that price, on average.

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Fiat 500L Car Insurance Discounts

No matter what vehicle you drive, where you live, or how old you are, using as many discounts as possible when it comes to your insurance is always the smart move when shopping around for a policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

  • Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments
  • Multi-policy discounts for getting both your home and auto policies from the same insurance company
  • Multi-car discounts for insuring more than one of your vehicles with the same carrier
  • Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

These discounts are great, but sometimes, the best way to save isn't through a "discount" at all, but rather by maintaining a clean driving record or not having recent insurance claims.

You obviously can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but you do have a say over some of it. Below are just a few of the factors you can use in your favor in order to save on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$64
Multiple Accidents$73
1 Ticket$110
Multiple Tickets$83

You've no doubt noticed ads from car insurance companies posting hefty savings for good drivers. It checks out that if you get tickets or get into an accident, auto insurance premiums will go higher. But exactly how much can these infractions cost you?

Looking at the table above, you'll notice that accidents will usually cost 500L drivers less than tickets, but both will result in a raise in rates. Fiat 500L drivers with one accident on their record pay an average of $64 each month, while drivers with a single ticket will pay about $110 monthly. The rates only go up the more tickets you get or collisions you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$62
2,501-5,000 Miles$61
5,001-7,500 Miles$52
7,501-10,000 Miles$69
10,000+ Miles$70

How much you drive annually affects your insurance prices. Those who drive less often are less likely to get into collisions, so they'll generally end up paying less for car insurance. Based on the table above, you can see that Fiat 500L owners who drive 10,000 miles or more pay $70 for insurance, while those who drive fewer than 2,500 miles per year pay about $62 a month.

If you happen to be one of those drivers who put very few miles on your Fiat 500L each year, you might consider a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Fiat 500Ls Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Fiat 500L is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Fiat 500L compares:

Fiat 500L National Average
Liability Insurance$26$81
Full Coverage Insurance$106$169
Base MSRP$22,500$46,547
Average Annual Mileage13,28611,617

As you can see, a Fiat 500L is a great value when it comes to overall price tag. The 500L retails at $22,500, which is quite a bit lower than the national average vehicle price of $46,547.

Likewise, car insurance rates run below average when compared to other vehicles on the market. Full coverage insurance for a Fiat 500L is around $63 a month cheaper than average, while liability only coverage is per month.

When it comes to usage, Fiat 500L drivers are much higher than the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the 500L's 13,286 every year.

Fiat 500L Car Insurance Costs by Model Year

Thus far, you've seen how different variables affect a driver's insurance premiums. If you're considering buying a new vehicle and the 500L is one you're thinking about, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.

2020 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$26
Full Coverage Avg. Premium$106
Base MSRP$22,500
Cheapest Insurance CompanySun Coast - $26/mo.
Available TrimsLOUNGE, POP, TREKKING

You can expect full coverage for a 2020 500L to run about $106 monthly, while liability only coverage will average around $26 a month.

If you're looking for the most affordable 2020 Fiat 500L insurance policy, Sun Coast offered the lowest policy we found, with rates as little as just $26 per month.

While these are good estimates of what the average driver might pay to insure a 2020 Fiat 500L, these premiums might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2019 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$137
Full Coverage Avg. Premium$172
Base MSRP$22,160
Cheapest Insurance CompanyTSC - $137/mo.
Available TrimsLOUNGE, POP, TREKKING

It costs about $137 a month for liability or $172 for a full coverage policy for the 2019 Fiat 500L.

Looking for the cheapest policy? TSC offered liability only coverage for as low as just $137 per month.

Want to know exactly how much you'll pay? Enter your ZIP code below to get several free personalized quotes.

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2018 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$65
Full Coverage Avg. Premium$183
Base MSRP$20,995
Cheapest Insurance CompanyAspire - $28/mo.
Available TrimsLOUNGE, POP, TREKKING

On average, drivers who own a 2018 500L can expect to pay $65 to $183 monthly for liability only and full coverage car insurance, respectively.

With prices sometimes as cheap as $28 per month, Aspire offered the lowest policy we found for the 2018 Fiat 500L.

These average premiums are a great starting point if you're in the market for a 2018 Fiat 500L, but there are a multitude of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2017 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$139
Base MSRP$20,995
Cheapest Insurance CompanySafeAuto - $40/mo.
Available TrimsLOUNGE, POP, TREKKING

2017 Fiat 500L drivers can expect to pay an average of $76 monthly for liability or $139 for full coverage.

With prices sometimes as little as $40 a month, SafeAuto offered the cheapest policy we found.

If you want to know exactly how much you can expect to pay for your 500L, just enter your ZIP code below and get free quotes in minutes.

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2016 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$160
Base MSRP$19,495
Cheapest Insurance CompanyClearcover - $35/mo.
Available TrimsEASY, LOUNGE, POP, TREKKING

The average cost to insure a 2016 500L with liability only coverage is $68 monthly, while full coverage runs around $160 per month.

Clearcover offered the most affordable policy we found, with rates sometimes as low as $35 a month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2015 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$135
Full Coverage Avg. Premium$160
Base MSRP$19,345
Cheapest Insurance CompanyMetLife - $35/mo.
Available TrimsEASY, LOUNGE, POP, TREKKING

2015 Fiat 500L drivers can expect to pay an average of $135 monthly for liability or $160 for full coverage.

MetLife has rates as cheap as just $35 a month for the 2015 Fiat 500L.

Interested in just how much you'll pay? Get lots of free customized quotes by just entering your ZIP code below.

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2014 Fiat 500L Car Insurance

   
Liability Only Avg. Premium$62
Full Coverage Avg. Premium$145
Base MSRP$19,195
Cheapest Insurance CompanyMercury - $17/mo.
Available TrimsEASY, LOUNGE, POP, TREKKING

It costs about $62 per month for liability or $145 for a full coverage policy for the 2014 500L.

We found Mercury offered the cheapest policy, with rates as cheap as $17 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Fiat 500L Insurance FAQs

Is a Fiat 500L expensive to insure?

Liability insurance runs an average of $67 per month, while full coverage will cost you around $149. The cost of auto insurance for the Fiat 500L is about the same as insuring the average vehicle.

How can I get the best price on car insurance for my Fiat 500L?

There's only one way to ensure you're getting the most affordable rates -- checking prices regularly and comparing quotes from a lot of carriers. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from lots of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Fiat 500L affect my insurance premiums?

You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's just a myth. Even though there are many variables car insurance carriers use when they decide your insurance premium, the color of your car is not factored into that equation.

Do I need to have insurance before I buy a Fiat 500L?

You'll need to have valid car insurance for your 500L before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new SUV is to talk with your insurance carrier ahead of time.

What car insurance discounts can I get for my Fiat 500L?

There are a variety of discounts out there when it comes to auto insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your Fiat 500L and more on you, but if your 500L has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. The only way to be certain is to contact your insurance company and ask about their discounts.

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