Fiat 500L Insurance Rates

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UPDATED: Jun 5, 2024

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The average auto insurance rates for a Fiat 500L are $1,198 annually with full coverage. Comprehensive costs an estimated $188 a year, collision costs $310, and liability costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $2,592. Teens cost the most to insure at $4,798 a year or more.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Comprehensive $188
Collision $310
Liability $520

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and 500L trim levels.

Price Range Variability

For a driver around age 40, Fiat 500L insurance rates go from as cheap as $576 for just liability coverage to a high of $2,592 for a high-risk driver policy.

Liability Only $576
Full Coverage $1,198
High Risk $2,592

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, instead of making a decision based on 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.

Detailed Rate Analysis

The chart below details estimated Fiat 500L insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $716
  • Drivers who choose higher $1,000 deductibles will pay approximately $1,084 annually
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,198
  • Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,416
  • Drivers with serious driving violations could pay up to $2,592 or more
  • Policy cost with full coverage for a 16-year-old driver can cost as much as $4,798 a year

View Chart as Image

Fiat 500L insurance cost comparison chart
Column chart showing full coverage Fiat 500L insurance rates range from $716 to $4,798

Insurance rates for a Fiat 500L also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $340 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Fiat 500L insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,620 on average in New York, Michigan, and Florida.

Fiat 500L Insurance Rates by State
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%

View Chart as Image

Fiat 500L insurance rates by U.S. city

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every company calculates rates differently, so the rates will be varied between companies.

Fiat 500L Insurance Rates by Model Year
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 Buy the Right Fiat 500L Insurance

Finding cheaper rates on insurance for a Fiat 500L not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick rundown of the information covered above.

  • You may be able to save approximately $140 per year simply by quoting early and online
  • Youthful drivers are charged the highest rates, as much as $400 each month including comprehensive and collision insurance
  • Increasing comprehensive and collision deductibles could save up to $325 each year
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,390 more annually than a low-risk driver
  • Insureds who want more liability protection will pay approximately $570 every year to go from a 30/60 limit to higher 250/500 limits

Rates by Driver Age

Fiat 500L Insurance 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

Fiat 500L Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,314
$500 $1,198
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500L Insurance Rates with Different Liability Limits
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

Fiat 500L Insurance 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.

SR-22 Surcharge $164

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
Rate after discounts $716

Discounts are estimated and may not be available from every company or in every state.

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