FIAT 500L Car Insurance Cost 2025
The average annual cost of insuring a FIAT 500L is $779. However, the actual price can vary depending on factors like your age, the car’s model year, and other individual circumstances. Check out our quote tables below to get a personalized estimate.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a FIAT 500L, one critical aspect to consider is insurance costs. On average, insurance for a FIAT 500L costs $779 per year. Insurance plays a vital role in car ownership, so it’s essential to understand the expenses involved before making your decision.
Choosing the right insurance policy is crucial to avoid unexpected and potentially expensive bills in the event of an accident. Having inadequate coverage can leave you facing significant out-of-pocket expenses. Additionally, if you’re deemed at fault in an accident, your premiums could rise substantially.
With more than ten years of experience analyzing insurance rates, I’ve observed how much these costs can vary. Factors such as your age, driving history, and location can all have a significant impact on your insurance premiums.
How Much Does A FIAT 500L Car Insurance Cost?
Typically, FIAT 500L drivers can expect to pay an average of $779 per year for car insurance.
It’s important to understand that the cost of car insurance can vary greatly due to several key factors. These include your location, driving history, the model year of your vehicle, and the specific coverage options you choose. A clean driving record typically results in lower premiums, while a history of accidents or traffic violations can lead to higher costs.
Additionally, living in an urban area with heavy traffic often results in higher insurance rates compared to rural areas with less congestion. The type of coverage you select also plays a significant role—comprehensive insurance, which covers both comprehensive and collision, generally costs more than minimum liability coverage.
As shown in the table below, the insurance cost for a FIAT 500L is higher than the average cost for all FIAT models, but still cheaper than the average cost for all cars. Insuranceopedia can help you compare quotes from various auto insurance providers, ensuring you find the best coverage at the best price for your needs.
| Vehicle | Average Monthly Premium |
| FIAT 500L | $150 |
| All FIATs | $141 |
| All Cars | $175 |
Average Insurance Cost Of FIAT 500L By Model Year
| Model Year | Average Premium |
| 2020 FIAT 500L | $1,298 |
| 2019 FIAT 500L | $1,987 |
| 2018 FIAT 500L | $1,179 |
| 2017 FIAT 500L | $996 |
| 2016 FIAT 500L | $941 |
| 2015 FIAT 500L | $941 |
| 2014 FIAT 500L | $704 |
2020 FIAT 500L Insurance Rates
The average annual insurance cost for a 2020 FIAT 500L is $1,298. However, New York Central Mutual Fire offers the cheapest rates, averaging $779 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,424 |
| Preferred Mutual | $1,519 |
| Pekin Insurance | $1,443 |
| NatGen Advantage | $863 |
| State Farm | $1,714 |
| Hastings Mutual Insurance Co | $1,445 |
| Erie | $1,436 |
| New York Central Mutual Fire | $779 |
| Travelers | $1,127 |
| NatGen Value | $1,226 |
2019 FIAT 500L Insurance Rates
The average annual insurance cost for a 2019 FIAT 500L is $1,987. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,238 per year.
| Insurance Provider | Average Annual Cost |
| Mercury | $1,719 |
| Nationwide | $1,967 |
| Texas Farm Bureau Group | $1,238 |
| Chubb | $2,516 |
| Republic Indemnity | $1,830 |
| State Farm | $1,681 |
| Encompass | $2,476 |
| Allstate | $2,170 |
| Esurance | $2,508 |
| USAA | $1,760 |
2018 FIAT 500L Insurance Rates
The average annual insurance cost for a 2018 FIAT 500L is $1,179. However, State Farm offers the cheapest rates, averaging $954 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $954 |
| Tennessee Farmers | $1,377 |
| Penn National | $1,220 |
| Auto-Owners Insurance Co | $1,386 |
| Virginia Farm Bureau | $1,152 |
| Texas Farm Bureau Group | $1,494 |
| Clearcover | $661 |
| Westfield | $1,295 |
| Erie | $1,017 |
| Nationwide | $1,237 |
Find Affordable FIAT 500L Insurance Rates
2017 FIAT 500L Insurance Rates
The average annual insurance cost for a 2017 FIAT 500L is $996. However, American National P offers the cheapest rates, averaging $521 per year.
| Insurance Provider | Average Annual Cost |
| Southern Farm Bureau | $1,179 |
| Erie | $902 |
| Texas Farm Bureau Group | $1,122 |
| National Grange Mutual | $1,217 |
| West Bend Mutual | $970 |
| American National P | $521 |
| Rockford Mutual Insurance | $795 |
| Acuity | $1,262 |
| SECURA Insurance | $822 |
| Hastings Mutual Insurance Co | $1,168 |
2016 FIAT 500L Insurance Rates
The average annual insurance cost for a 2016 FIAT 500L is $941. However, Texas Farm Bureau Group offers the cheapest rates, averaging $810 per year.
| Insurance Provider | Average Annual Cost |
| Cincinnati Insurance | $1,080 |
| Westfield | $1,077 |
| North Carolina Farm Bureau | $884 |
| Auto-Owners Insurance Co | $1,036 |
| Tennessee Farmers | $926 |
| Virginia Farm Bureau | $774 |
| GMAC Insurance Group | $1,118 |
| Texas Farm Bureau Group | $810 |
| Erie | $849 |
| Penn National | $855 |
2015 FIAT 500L Insurance Rates
The average annual insurance cost for a 2015 FIAT 500L is $941. However, Virginia Farm Bureau offers the cheapest rates, averaging $774 per year.
| Insurance Provider | Average Annual Cost |
| Cincinnati Insurance | $1,080 |
| Westfield | $1,077 |
| North Carolina Farm Bureau | $884 |
| Auto-Owners Insurance Co | $1,036 |
| Tennessee Farmers | $926 |
| Virginia Farm Bureau | $774 |
| GMAC Insurance Group | $1,118 |
| Texas Farm Bureau Group | $810 |
| Erie | $849 |
| Penn National | $855 |
2014 FIAT 500L Insurance Rates
The average annual insurance cost for a 2014 FIAT 500L is $941. However, Safeco offers the cheapest rates, averaging $205 per year.
| Insurance Provider | Average Annual Cost |
| North Carolina Farm Bureau | $913 |
| Tennessee Farmers | $565 |
| Safeco | $205 |
| Plymouth Rock | $447 |
| Cincinnati Insurance | $1,004 |
| NatGen Value | $534 |
| American National P | $683 |
| Mercury Insurance | $782 |
| Clearcover | $907 |
| Western National | $997 |
Find Affordable FIAT 500L Insurance Rates
Is A FIAT 500L Expensive To Insure?
The cost to insure a FIAT 500L is lower than the average cost for all cars. However, the actual amount you’ll pay for insurance can vary based on factors like your age, the age of your car, your location, and other personal circumstances.
Cost of FIAT 500L Car Insurance By Age
Age plays a significant role in determining insurance rates for any vehicle. Teenagers usually face the highest premiums because they are statistically more likely to be involved in car accidents compared to other age groups. As you grow older and build a safer driving history, your premiums tend to decrease, making you a lower insurance risk.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,713 | $9,917 | $11,583 |
| 18 | $6,293 | $9,229 | $10,724 |
| 19 | $5,527 | $8,084 | $9,464 |
| 20 | $4,780 | $7,040 | $8,326 |
| 21 | $4,015 | $5,982 | $6,913 |
| 22 | $3,931 | $5,823 | $6,815 |
| 23 | $3,499 | $5,054 | $5,914 |
| 24 | $3,327 | $4,786 | $5,675 |
| 25 | $2,840 | $4,130 | $4,831 |
| 30 | $2,180 | $3,244 | $3,826 |
| 35 | $2,051 | $3,069 | $3,518 |
| 40 | $1,976 | $2,877 | $3,446 |
| 45 | $1,966 | $2,819 | $3,319 |
| 55 | $1,751 | $2,554 | $3,017 |
| 65 | $1,813 | $2,704 | $3,136 |
| 75 | $2,293 | $3,414 | $3,990 |
FIAT 500L Car Insurance Rates By State
Where you live plays a crucial role in how insurance companies determine rates. Each state has its own regulations for auto insurance; for example, drivers in Michigan often pay higher premiums due to the state’s requirement for higher coverage levels. Additionally, the climate in your area can impact rates—some states experience extreme weather like hurricanes, storms, and flooding.
Furthermore, the crime rates and accident statistics in your specific location, including car thefts, crashes, and vehicle fatality rates, are all factored into how insurers calculate your FIAT 500L insurance costs.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,057 | $3,092 | $3,860 |
| Alaska | $1,733 | $2,397 | $2,299 |
| Arizona | $1,940 | $2,844 | $4,209 |
| Arkansas | $2,177 | $3,386 | $3,751 |
| California | $2,376 | $4,254 | $2,413 |
| Colorado | $2,203 | $3,098 | $3,994 |
| Connecticut | $2,894 | $4,407 | $5,658 |
| Delaware | $2,419 | $3,196 | $4,082 |
| Florida | $2,813 | $3,858 | $5,040 |
| Georgia | $2,322 | $3,440 | $3,516 |
| Hawaii | $904 | $1,259 | $942 |
| Idaho | $1,571 | $2,098 | $2,614 |
| Illinois | $1,644 | $2,522 | $2,874 |
| Indiana | $1,689 | $2,667 | $2,987 |
| Iowa | $1,337 | $1,814 | $2,204 |
| Kansas | $1,810 | $2,584 | $3,125 |
| Kentucky | $2,646 | $3,880 | $4,504 |
| Louisiana | $3,315 | $5,115 | $5,516 |
| Maine | $1,228 | $1,801 | $2,640 |
| Maryland | $2,076 | $2,960 | $3,362 |
| Massachusetts | $1,632 | $2,845 | $1,676 |
| Michigan | $4,011 | $6,039 | $9,596 |
| Minnesota | $1,673 | $2,170 | $3,082 |
| Mississippi | $1,964 | $2,779 | $2,871 |
| Missouri | $1,887 | $2,697 | $3,521 |
| Montana | $1,938 | $2,665 | $3,049 |
| Nebraska | $1,626 | $2,380 | $2,601 |
| Nevada | $2,669 | $3,910 | $4,181 |
| New Hampshire | $1,865 | $2,861 | $3,687 |
| New Jersey | $2,059 | $3,186 | $4,185 |
| New Mexico | $2,041 | $3,086 | $3,234 |
| New York | $1,875 | $2,385 | $4,005 |
| North Carolina | $1,191 | $2,007 | $1,500 |
| North Dakota | $1,583 | $2,478 | $2,870 |
| Ohio | $1,473 | $2,267 | $2,320 |
| Oklahoma | $2,293 | $3,303 | $3,740 |
| Oregon | $2,147 | $2,810 | $3,405 |
| Pennsylvania | $1,750 | $2,588 | $3,041 |
| Rhode Island | $2,919 | $4,335 | $4,931 |
| South Carolina | $2,019 | $2,783 | $3,850 |
| South Dakota | $1,800 | $2,643 | $3,013 |
| Tennessee | $2,106 | $3,099 | $4,115 |
| Texas | $2,087 | $3,061 | $3,872 |
| Utah | $1,808 | $2,509 | $3,489 |
| Vermont | $1,412 | $2,155 | $2,310 |
| Virginia | $1,329 | $1,971 | $2,022 |
| Washington | $1,708 | $2,328 | $2,811 |
| West Virginia | $1,751 | $2,557 | $3,191 |
| Wisconsin | $1,717 | $2,774 | $3,135 |
| Wyoming | $1,658 | $2,331 | $2,458 |
Find Affordable FIAT 500L Insurance Rates
Cheapest Car Insurance Companies For A FIAT 500L
If you’re considering purchasing a new car insurance policy for your FIAT 500L, you might be wondering which insurance companies offer the most affordable options. For drivers specifically looking for the cheapest coverage, Aspire provides a premium at $27 per month, making them one of the most budget-friendly providers for a FIAT 500L. However, insurance rates can vary based on your individual driver profile, so this rate is just an average.
To ensure you get the best deal for your situation, it’s important to shop around and compare quotes from multiple insurance companies.
| Company | Average Monthly Rate |
| Clearcover | $34 |
| Shelter Mutual | $37 |
| Sun Coast | $31 |
| MetLife | $39 |
| Aspire | $27 |
Common FIAT 500L Insurance Discounts
Discounts are a great way to lower your car insurance costs. While each insurer offers its own discounts, there are some common ones you can explore to reduce your premium:
- Multi-policy discount: Bundling your home and auto insurance policies with the same provider often results in a discounted rate.
- Pay annually: Some providers offer a discount for paying your premium all at once instead of in monthly installments.
- Defensive driving: Completing a certified defensive driving course can make you eligible for discounted rates.
There may be other discounts available to you. It’s worth talking to your insurance agent to find out which ones apply to your profile.
Ways To Save On FIAT 500L Insurance Costs
Maintaining a clean driving record and reducing annual mileage are effective ways to lower insurance costs for the FIAT 500L. Drivers with a clean history, free of tickets or accidents, will pay less. For example, those with a speeding ticket may pay around $111 per month, while those with multiple accidents can expect an average of $72 per month. Additionally, driving fewer miles annually also lowers premiums, as there are fewer chances of accidents. Drivers who cover between 7,501 and 10,000 miles per year will pay around $70 per month, while those exceeding 10,000 miles will pay an average of $72 per month.
Compare FIAT 500L To Other FIAT Models
Looking for other FIAT model insurance costs?
Our Methodology
The average car insurance costs in this guide are based on a sample profile for a 40-year-old male driver purchasing full-coverage insurance. This coverage includes $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that these figures may not reflect your personal situation, as actual costs vary based on factors like your age, location, driving history, and the specific coverage options you choose.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A FIAT 500L?
Yes, you will need proof of insurance before you can drive your FIAT 500L off the dealership lot. It’s best to purchase an insurance policy ahead of time and inform your insurer about the upcoming car purchase. This way, you can ensure that you have coverage in place and avoid relying on the dealership’s insurance, which may not always provide the best rates or coverage for your needs.
How Can You Get The Cheapest Insurance For Your FIAT 500L?
The best way to find the most affordable insurance for your FIAT 500L is by shopping around and comparing quotes from different auto insurance providers. Luckily, Insuranceopedia makes this easy by allowing you to compare quotes from multiple companies directly on our website. This helps you find the best rates based on your specific needs and profile, ensuring you get the best deal possible.
