Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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Estimated auto insurance rates for a Fiat 500L are $1,238 annually with full coverage. Comprehensive insurance costs an estimated $200, collision costs $338, and liability is $520. Liability-only coverage costs around $576 a year, with high-risk coverage costing $2,678 or more. 16-year-old drivers pay the most at $4,924 a year or more.
Average premium for full coverage: $1,238
Premium estimates broken down by type of coverage:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and for different 500L trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Fiat 500L go from as cheap as $576 for minimum levels of liability insurance to a much higher rate of $2,678 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are statistically proven to have fewer collision claims than congested cities.
The price range example below illustrates how rural and urban location affects insurance prices.
These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based 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 Rate Details
The chart below details estimated Fiat 500L insurance rates for other coverage scenarios.
- The best full coverage rate is $736
- Raising to $1,000 deductibles will save approximately $122 annually
- The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,238
- Buying more expensive low deductibles costs an additional $236 annually
- Drivers with multiple tickets or accidents could pay up to $2,678 or more
- An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $4,924
Insurance prices for a Fiat 500L also have a wide range based on the model of your 500L, your driving record, and liability limits and deductibles.
An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay at least $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out $1,500 to $2,100 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $360 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Fiat 500L insurance prices. A middle-age driver might find prices as low as $890 a year in states like Utah, Ohio, and New Hampshire, or at least $1,670 on average in New York, Michigan, and Florida.
| 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% |
With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different between companies.
| 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 Buy Affordable Fiat 500L Insurance
Finding better rates on insurance for a Fiat 500L consists of not taking risks behind the wheel, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to shop around every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.
The following is a brief review of the information raised in the charts and tables above.
- You may be able to save approximately $140 per year simply by shopping early and online
- Teens are charged the highest prices, possibly costing $410 per month including comprehensive and collision insurance
- Increasing policy deductibles could save up to $350 each year
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,440 more annually for 500L insurance
- Insureds who want higher liability limits will pay around $570 every year to raise from 30/60 bodily injury limits to higher 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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