Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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Average insurance rates for a Fiat 500L are $1,238 a year for full coverage. Comprehensive insurance costs around $200 each year, collision insurance costs $338, and liability insurance is estimated at $520. Buying just liability costs approximately $576 a year, and insurance for high-risk drivers costs $2,678 or more. 16-year-old drivers receive the highest rates at up to $4,924 a year.
Average premium for full coverage: $1,238
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and 500L models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from as low as $576 for a discount liability-only rate to a high rate of $2,678 for a high-risk insurance policy.
Price Range by Location
Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.
These examples show why all drivers should get quotes for a specific zip code and risk profile, 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.
Rates by State, City, and Model
The chart below shows average Fiat 500L insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $736
- Choosing higher $1,000 deductibles can save about $122 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,238
- Buying low deductibles for comp and collision coverage will cost an extra $236 a year
- High-risk insureds with multiple tickets or accidents could pay at least $2,678
- The cost for full coverage for a teen driver can be $4,924 each year
Auto insurance rates for a Fiat 500L can also vary considerably based on your driver profile, the trim level of your 500L, and deductibles and policy limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay as much as $4,900 a year. View Rates by Age
Where you live plays a big part in determining prices for Fiat 500L insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or at least $1,770 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,118 | -$120 | -9.7% |
| Alaska | $948 | -$290 | -23.4% |
| Arizona | $1,028 | -$210 | -17.0% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,408 | $170 | 13.7% |
| Colorado | $1,180 | -$58 | -4.7% |
| Connecticut | $1,270 | $32 | 2.6% |
| Delaware | $1,400 | $162 | 13.1% |
| Florida | $1,548 | $310 | 25.0% |
| Georgia | $1,142 | -$96 | -7.8% |
| Hawaii | $888 | -$350 | -28.3% |
| Idaho | $838 | -$400 | -32.3% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $932 | -$306 | -24.7% |
| Iowa | $836 | -$402 | -32.5% |
| Kansas | $1,174 | -$64 | -5.2% |
| Kentucky | $1,684 | $446 | 36.0% |
| Louisiana | $1,832 | $594 | 48.0% |
| Maine | $764 | -$474 | -38.3% |
| Maryland | $1,020 | -$218 | -17.6% |
| Massachusetts | $988 | -$250 | -20.2% |
| Michigan | $2,146 | $908 | 73.3% |
| Minnesota | $1,036 | -$202 | -16.3% |
| Mississippi | $1,482 | $244 | 19.7% |
| Missouri | $1,098 | -$140 | -11.3% |
| Montana | $1,326 | $88 | 7.1% |
| Nebraska | $976 | -$262 | -21.2% |
| Nevada | $1,484 | $246 | 19.9% |
| New Hampshire | $892 | -$346 | -27.9% |
| New Jersey | $1,384 | $146 | 11.8% |
| New Mexico | $1,094 | -$144 | -11.6% |
| New York | $1,304 | $66 | 5.3% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,014 | -$224 | -18.1% |
| Ohio | $852 | -$386 | -31.2% |
| Oklahoma | $1,270 | $32 | 2.6% |
| Oregon | $1,134 | -$104 | -8.4% |
| Pennsylvania | $1,178 | -$60 | -4.8% |
| Rhode Island | $1,650 | $412 | 33.3% |
| South Carolina | $1,122 | -$116 | -9.4% |
| South Dakota | $1,042 | -$196 | -15.8% |
| Tennessee | $1,082 | -$156 | -12.6% |
| Texas | $1,488 | $250 | 20.2% |
| Utah | $914 | -$324 | -26.2% |
| Vermont | $846 | -$392 | -31.7% |
| Virginia | $740 | -$498 | -40.2% |
| Washington | $954 | -$284 | -22.9% |
| West Virginia | $1,134 | -$104 | -8.4% |
| Wisconsin | $856 | -$382 | -30.9% |
| Wyoming | $1,100 | -$138 | -11.1% |
Opting for high physical damage deductibles can save as much as $360 each year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Fiat 500L | $240 | $446 | $486 | $1,352 |
| 2019 Fiat 500L | $226 | $430 | $500 | $1,336 |
| 2018 Fiat 500L | $218 | $400 | $510 | $1,308 |
| 2017 Fiat 500L | $208 | $376 | $514 | $1,278 |
| 2016 Fiat 500L | $200 | $338 | $520 | $1,238 |
| 2015 Fiat 500L | $188 | $310 | $520 | $1,198 |
| 2014 Fiat 500L | $180 | $292 | $524 | $1,176 |
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 Cheap Fiat 500L Insurance
Saving money on Fiat 500L insurance takes having a decent driving record, having good credit, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates at least every other year by getting quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following items are a brief summary of the car insurance concepts covered in the charts and tables above.
- High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,440 more every year than a driver with a clean driving record
- Drivers can save up to $140 per year just by quoting online in advance
- Increasing deductibles can save around $350 each year
- Drivers who may need additional liability coverage will pay around $570 each year to raise limits from a minimum limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,924 |
| 20 | $2,856 |
| 30 | $1,264 |
| 40 | $1,238 |
| 50 | $1,136 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,474 |
| $250 | $1,364 |
| $500 | $1,238 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,342 |
| 100/300 | $1,472 |
| 250/500 | $1,810 |
| 100 CSL | $1,394 |
| 300 CSL | $1,680 |
| 500 CSL | $1,888 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,966 |
| 20 | $4,556 |
| 30 | $2,710 |
| 40 | $2,678 |
| 50 | $2,562 |
| 60 | $2,538 |
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 | $63 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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