Fiat 500L Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2024
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U.S. average insurance prices for a Fiat 500L are $1,176 every 12 months for full coverage. Comprehensive insurance costs on average $180, collision insurance costs $292, and liability is estimated at $524. Liability-only insurance costs approximately $580 a year, and high-risk driver insurance costs $2,544 or more. Teen drivers pay the highest rates at up to $4,736 a year.
Average premium for full coverage: $1,176
Price estimates by individual coverage:
These estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different 500L trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Fiat 500L insurance prices range from the cheapest price of $580 for minimum levels of liability insurance to a much higher rate of $2,544 for a high-risk insurance policy.
Geographic Price Range
Living in a larger city can make a big difference on car insurance rates. Rural areas have more infrequent accident claims than larger metro areas. The price range example below illustrates how rural and urban location affects car insurance rates.
The ranges above show why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, instead of making a decision based on price averages.
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.
Additional Rate Details
The chart below shows average Fiat 500L insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $706
- Choosing higher $1,000 deductibles can save around $108 a year
- The average price for the average middle-age driver with $500 deductibles is $1,176
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $206 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,544
- The price to insure a 16-year-old driver with full coverage may cost $4,736 each year
Car insurance prices for a Fiat 500L are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your 500L.
Choosing high deductibles can save as much as $320 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $471 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges from 42% to 133% more than average. View High Risk Driver Rates
The state you live in plays a big part in determining prices for Fiat 500L insurance prices. A good driver about age 40 could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,680 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$114 | -9.7% |
| Alaska | $902 | -$274 | -23.3% |
| Arizona | $978 | -$198 | -16.8% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,340 | $164 | 13.9% |
| Colorado | $1,122 | -$54 | -4.6% |
| Connecticut | $1,208 | $32 | 2.7% |
| Delaware | $1,332 | $156 | 13.3% |
| Florida | $1,472 | $296 | 25.2% |
| Georgia | $1,084 | -$92 | -7.8% |
| Hawaii | $842 | -$334 | -28.4% |
| Idaho | $798 | -$378 | -32.1% |
| Illinois | $874 | -$302 | -25.7% |
| Indiana | $888 | -$288 | -24.5% |
| Iowa | $792 | -$384 | -32.7% |
| Kansas | $1,116 | -$60 | -5.1% |
| Kentucky | $1,602 | $426 | 36.2% |
| Louisiana | $1,740 | $564 | 48.0% |
| Maine | $728 | -$448 | -38.1% |
| Maryland | $968 | -$208 | -17.7% |
| Massachusetts | $938 | -$238 | -20.2% |
| Michigan | $2,042 | $866 | 73.6% |
| Minnesota | $986 | -$190 | -16.2% |
| Mississippi | $1,408 | $232 | 19.7% |
| Missouri | $1,042 | -$134 | -11.4% |
| Montana | $1,262 | $86 | 7.3% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,410 | $234 | 19.9% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,316 | $140 | 11.9% |
| New Mexico | $1,040 | -$136 | -11.6% |
| New York | $1,238 | $62 | 5.3% |
| North Carolina | $678 | -$498 | -42.3% |
| North Dakota | $964 | -$212 | -18.0% |
| Ohio | $810 | -$366 | -31.1% |
| Oklahoma | $1,206 | $30 | 2.6% |
| Oregon | $1,076 | -$100 | -8.5% |
| Pennsylvania | $1,120 | -$56 | -4.8% |
| Rhode Island | $1,568 | $392 | 33.3% |
| South Carolina | $1,068 | -$108 | -9.2% |
| South Dakota | $992 | -$184 | -15.6% |
| Tennessee | $1,028 | -$148 | -12.6% |
| Texas | $1,416 | $240 | 20.4% |
| Utah | $870 | -$306 | -26.0% |
| Vermont | $804 | -$372 | -31.6% |
| Virginia | $702 | -$474 | -40.3% |
| Washington | $908 | -$268 | -22.8% |
| West Virginia | $1,078 | -$98 | -8.3% |
| Wisconsin | $814 | -$362 | -30.8% |
| Wyoming | $1,048 | -$128 | -10.9% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Fiat 500L | $218 | $400 | $510 | $1,308 |
| 2019 Fiat 500L | $208 | $376 | $514 | $1,278 |
| 2018 Fiat 500L | $200 | $338 | $520 | $1,238 |
| 2017 Fiat 500L | $188 | $310 | $520 | $1,198 |
| 2016 Fiat 500L | $180 | $292 | $524 | $1,176 |
| 2015 Fiat 500L | $176 | $272 | $534 | $1,162 |
| 2014 Fiat 500L | $164 | $252 | $534 | $1,130 |
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 Shop for Cheap Fiat 500L Insurance
Getting lower rates on insurance for a Fiat 500L takes avoiding accidents and claims, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Set aside time to shop around at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The points below are a brief summary of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk that tend to have accidents or serious violations pay an average of $1,370 more each year to insure a Fiat 500L
- Drivers can save as much as $130 per year just by shopping early and online
- Increasing physical damage deductibles could save as much as $325 each year
- Insureds who require increased liability limits will pay about $580 each year to raise limits from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,736 |
| 20 | $2,714 |
| 30 | $1,198 |
| 40 | $1,176 |
| 50 | $1,080 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,286 |
| $500 | $1,176 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,281 |
| 100/300 | $1,412 |
| 250/500 | $1,752 |
| 100 CSL | $1,333 |
| 300 CSL | $1,621 |
| 500 CSL | $1,831 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,688 |
| 20 | $4,328 |
| 30 | $2,566 |
| 40 | $2,544 |
| 50 | $2,432 |
| 60 | $2,410 |
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 | $60 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $470 |
Discounts are estimated and may not be available from every company or in every state.
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