Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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Average insurance rates for a Fiat 500L are $1,198 a year for full coverage insurance. Comprehensive insurance costs approximately $188 each year, collision costs $310, and liability insurance costs around $520. Buying just liability costs as low as $576 a year, with insurance for high-risk drivers costing $2,592 or more. 16-year-old drivers receive the highest rates at $4,798 a year or more.
Average premium for full coverage: $1,198
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and 500L models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from the low end price of $576 for liability-only coverage to a high rate of $2,592 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities.
The graphic below illustrates how location helps determine auto insurance prices.
These examples illustrate why all drivers should compare prices using their specific location, rather than relying on rate 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 Charts and Tables
The chart below illustrates estimated Fiat 500L insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $716
- Using higher $1,000 deductibles will save $114 each year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,198
- Buying low deductibles for physical damage coverage will cost an additional $218 a year
- Drivers with multiple tickets or accidents could pay around $2,592 or more
- The cost that insures a teen driver can cost $4,798 or more
Auto insurance rates for a Fiat 500L can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age
Where you live has a huge impact on Fiat 500L insurance rates. A driver around age 40 might see rates as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,620 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $340 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different.
| 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 Cheaper Fiat 500L Insurance
Saving money on Fiat 500L insurance requires being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop every year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following list is a condensed summary of the coverage data covered in the charts and tables above.
- It is possible to save around $140 per year simply by quoting online in advance
- Increasing deductibles can save approximately $325 each year
- Drivers age 16 to 20 have the highest car insurance rates, costing up to $400 per month if the policy includes full coverage
- High-risk drivers with multiple at-fault accidents could be charged and average of $1,390 more per year than a safer driver
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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