Fiat 500L Insurance Rates

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UPDATED: Jun 5, 2024

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U.S. average auto insurance rates for a Fiat 500L are $1,198 annually for full coverage. Comprehensive costs on average $188, collision insurance costs $310, and liability is estimated at $520. A policy with just liability insurance costs approximately $576 a year, and coverage for high-risk drivers costs around $2,592. 16-year-old drivers pay the highest rates at up to $4,798 a year.

Average premium for full coverage: $1,198

Price estimates by individual coverage:

Comprehensive $188
Collision $310
Liability $520

Prices are based on $500 deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different 500L trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Fiat 500L insurance prices range from as cheap as $576 for basic liability insurance to a much higher rate of $2,592 for coverage for higher-risk drivers.

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

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have fewer accident claims than congested cities. The price range example below illustrates how where you live affects car insurance rates.

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

The ranges above show why anyone shopping for car insurance should get quotes based on a specific location 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.

Rate Comparisons

The chart below shows average Fiat 500L insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $716
  • Choosing higher $1,000 deductibles can save around $114 a year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,198
  • Buying more expensive low deductibles for comp and collision coverage will cost $1,416
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,592
  • The price with full coverage for a 16-year-old driver with full coverage may cost $4,798 each year

View Chart as Image

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

Insurance prices for a Fiat 500L are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance ranges from 42% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $340 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Fiat 500L insurance prices. A good driver about age 40 could pay as low as $790 a year in states like Idaho, Maine, and Iowa, or at least $1,710 on average in Michigan, Louisiana, and New York.

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
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 Affordable Fiat 500L Insurance

Getting lower rates on insurance for a Fiat 500L takes not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop at least once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following is a brief review of the primary concepts that were touched on in the above illustrations.

  • Drivers can save as much as $140 per year just by shopping early and online
  • Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,390 more each year for 500L insurance
  • Increasing physical damage deductibles could save up to $325 each year
  • Teens pay the highest prices, with premiums as much as $400 a month including comprehensive and collision insurance

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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