Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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Estimated insurance rates for a Fiat 500L are $1,198 a year for full coverage. Comprehensive insurance costs on average $188 each year, collision costs $310, and liability coverage costs around $520. A policy with only liability insurance costs as low as $576 a year, with a high-risk policy costing $2,592 or more. Teens pay the most at $4,798 a year or more.
Average premium for full coverage: $1,198
Premium estimates by type of coverage:
Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and 500L models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Fiat 500L go from as low as $576 for your basic liability-only policy to a high rate of $2,592 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on car insurance rates.
These rate differences show why all drivers should compare prices based on a specific location and risk profile, rather than using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below shows estimated Fiat 500L insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $716
- Using higher $1,000 deductibles will save around $114 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,198
- Selecting low deductibles for physical damage coverage will cost an extra $218 each year
- Higher-risk drivers with serious driving violations could pay upwards of $2,592 or more
- An auto insurance policy for full coverage for a teenage driver may cost $4,798 or more
Car insurance prices for a Fiat 500L also have a wide range based on your driving characteristics, the trim level of your 500L, and policy deductibles and limits.
More mature drivers with no driving violations and high deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $4,700 a year. View Rates by Age
Where you choose to live has a huge impact on Fiat 500L insurance rates. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,080 | -$118 | -9.8% |
| Alaska | $918 | -$280 | -23.4% |
| Arizona | $996 | -$202 | -16.9% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,364 | $166 | 13.9% |
| Colorado | $1,140 | -$58 | -4.8% |
| Connecticut | $1,228 | $30 | 2.5% |
| Delaware | $1,356 | $158 | 13.2% |
| Florida | $1,498 | $300 | 25.0% |
| Georgia | $1,104 | -$94 | -7.8% |
| Hawaii | $858 | -$340 | -28.4% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $892 | -$306 | -25.5% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $808 | -$390 | -32.6% |
| Kansas | $1,136 | -$62 | -5.2% |
| Kentucky | $1,632 | $434 | 36.2% |
| Louisiana | $1,772 | $574 | 47.9% |
| Maine | $740 | -$458 | -38.2% |
| Maryland | $986 | -$212 | -17.7% |
| Massachusetts | $956 | -$242 | -20.2% |
| Michigan | $2,076 | $878 | 73.3% |
| Minnesota | $1,002 | -$196 | -16.4% |
| Mississippi | $1,434 | $236 | 19.7% |
| Missouri | $1,062 | -$136 | -11.4% |
| Montana | $1,284 | $86 | 7.2% |
| Nebraska | $944 | -$254 | -21.2% |
| Nevada | $1,436 | $238 | 19.9% |
| New Hampshire | $862 | -$336 | -28.0% |
| New Jersey | $1,336 | $138 | 11.5% |
| New Mexico | $1,058 | -$140 | -11.7% |
| New York | $1,260 | $62 | 5.2% |
| North Carolina | $690 | -$508 | -42.4% |
| North Dakota | $982 | -$216 | -18.0% |
| Ohio | $826 | -$372 | -31.1% |
| Oklahoma | $1,228 | $30 | 2.5% |
| Oregon | $1,096 | -$102 | -8.5% |
| Pennsylvania | $1,140 | -$58 | -4.8% |
| Rhode Island | $1,598 | $400 | 33.4% |
| South Carolina | $1,086 | -$112 | -9.3% |
| South Dakota | $1,010 | -$188 | -15.7% |
| Tennessee | $1,046 | -$152 | -12.7% |
| Texas | $1,442 | $244 | 20.4% |
| Utah | $884 | -$314 | -26.2% |
| Vermont | $820 | -$378 | -31.6% |
| Virginia | $716 | -$482 | -40.2% |
| Washington | $924 | -$274 | -22.9% |
| West Virginia | $1,096 | -$102 | -8.5% |
| Wisconsin | $828 | -$370 | -30.9% |
| Wyoming | $1,064 | -$134 | -11.2% |
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,400 to $2,000 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 130% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Fiat 500L | $226 | $430 | $500 | $1,336 |
| 2019 Fiat 500L | $218 | $400 | $510 | $1,308 |
| 2018 Fiat 500L | $208 | $376 | $514 | $1,278 |
| 2017 Fiat 500L | $200 | $338 | $520 | $1,238 |
| 2016 Fiat 500L | $188 | $310 | $520 | $1,198 |
| 2015 Fiat 500L | $180 | $292 | $524 | $1,176 |
| 2014 Fiat 500L | $176 | $272 | $534 | $1,162 |
Rates are averaged for all Fiat 500L models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Fiat 500L Insurance
Finding better rates on auto insurance requires being safe and accident-free, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
Below you'll find a quick review of the car insurance concepts touched on in this article.
- Drivers with a DUI or reckless driving violation will pay on average $1,390 more each year than a low-risk driver
- Drivers can save as much as $140 per year simply by quoting online in advance
- Increasing policy deductibles can save around $325 each year
- Consumers who require more liability protection will pay approximately $570 each year to increase from 30/60 bodily injury limits to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,798 |
| 20 | $2,764 |
| 30 | $1,222 |
| 40 | $1,198 |
| 50 | $1,098 |
| 60 | $1,076 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,314 |
| $500 | $1,198 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,302 |
| 100/300 | $1,432 |
| 250/500 | $1,770 |
| 100 CSL | $1,354 |
| 300 CSL | $1,640 |
| 500 CSL | $1,848 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,780 |
| 20 | $4,406 |
| 30 | $2,618 |
| 40 | $2,592 |
| 50 | $2,478 |
| 60 | $2,456 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $61 |
| Multi-vehicle | $65 |
| Homeowner | $21 |
| 5-yr Accident Free | $77 |
| 5-yr Claim Free | $76 |
| Paid in Full/EFT | $46 |
| Advance Quote | $55 |
| Online Quote | $81 |
| Total Discounts | $482 |
Discounts are estimated and may not be available from every company or in every state.
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