Fiat 500L Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 5, 2024
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U.S. average auto insurance rates for a Fiat 500L are $1,198 annually including 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. 16-year-old drivers pay the highest rates at $4,798 a year or more.
Average premium for full coverage: $1,198
Price estimates broken down by individual coverage:
Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and 500L trim levels.
Price Range from Low to High
For a driver around age 40, Fiat 500L insurance prices go from as cheap as $576 for basic liability insurance to a high of $2,592 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities.
The diagram below illustrates the difference between rural and urban areas on insurance prices.
The ranges above highlight why it is important to compare rates for a targeted area and their own personal driving habits, instead of using 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.
Rate Comparisons
The chart below breaks down estimated Fiat 500L insurance rates for other coverage scenarios.
- The best full coverage rate is $716
- Drivers who choose higher $1,000 deductibles will pay approximately $1,084 every year
- The estimated rate for the average middle-age driver who has $500 deductibles is $1,198
- Buying low $100 deductibles for comprehensive and collision insurance will cost $1,416
- Higher-risk drivers with multiple tickets or accidents could pay up to $2,592 or more
- The price with full coverage for a teen driver can cost as much as $4,798 a year
Insurance prices for a Fiat 500L are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.
Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,100 per year on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are likely paying $1,400 to $2,000 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $340 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit
The state you live in makes a big difference in Fiat 500L insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, 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% |
Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Every company utilizes a different rate formula, and prices may be quite different between companies.
| 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 Cheaper Fiat 500L Insurance
Getting lower rates on car insurance not only requires having a good driving record, but also having good credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a condensed summary of the ideas that were covered above.
- Drivers age 20 and younger are expensive to insure, possibly costing $400 a month if they have full coverage
- Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,390 more annually to buy Fiat 500L insurance
- Increasing physical damage deductibles could save up to $325 each year
- You may be able to save approximately $140 per year simply by quoting early and online
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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