Fiat 500L Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2024
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The average insurance prices for a Fiat 500L are $1,176 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $180, collision costs $292, and liability insurance is estimated at $524. Buying just liability costs approximately $580 a year, with insurance for high-risk drivers costing $2,544 or more. Teen drivers cost the most to insure at $4,736 a year or more.
Average premium for full coverage: $1,176
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different 500L trim levels.
Price Range Variability
Using a 40-year-old driver as an example, Fiat 500L insurance rates go from the cheapest price of $580 for the bare minimum liability coverage to a much higher rate of $2,544 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects insurance prices.
The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on price 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 Information
The chart below illustrates estimated Fiat 500L insurance rates for other coverage scenarios.
- The lowest rate with discounts is $706
- Choosing higher $1,000 deductibles can save approximately $108 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,176
- Choosing more expensive low deductibles for comp and collision coverage costs an extra $206 a year
- High-risk insureds with multiple violations and an at-fault accident could pay up to $2,544 or more
- Policy cost to insure a teen driver with full coverage can cost as much as $4,736 each year
Insurance rates for a Fiat 500L also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Choosing high deductibles can save as much as $320 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers 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 were responsible for an accident, you are probably paying $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 133% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Fiat 500L insurance rates. A good driver about age 40 could pay as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,590 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,062 | -$114 | -9.7% |
| Alaska | $902 | -$274 | -23.3% |
| Arizona | $978 | -$198 | -16.8% |
| Arkansas | $1,176 | -$0 | 0.0% |
| California | $1,340 | $164 | 13.9% |
| Colorado | $1,122 | -$54 | -4.6% |
| Connecticut | $1,208 | $32 | 2.7% |
| Delaware | $1,332 | $156 | 13.3% |
| Florida | $1,472 | $296 | 25.2% |
| Georgia | $1,084 | -$92 | -7.8% |
| Hawaii | $842 | -$334 | -28.4% |
| Idaho | $798 | -$378 | -32.1% |
| Illinois | $874 | -$302 | -25.7% |
| Indiana | $888 | -$288 | -24.5% |
| Iowa | $792 | -$384 | -32.7% |
| Kansas | $1,116 | -$60 | -5.1% |
| Kentucky | $1,602 | $426 | 36.2% |
| Louisiana | $1,740 | $564 | 48.0% |
| Maine | $728 | -$448 | -38.1% |
| Maryland | $968 | -$208 | -17.7% |
| Massachusetts | $938 | -$238 | -20.2% |
| Michigan | $2,042 | $866 | 73.6% |
| Minnesota | $986 | -$190 | -16.2% |
| Mississippi | $1,408 | $232 | 19.7% |
| Missouri | $1,042 | -$134 | -11.4% |
| Montana | $1,262 | $86 | 7.3% |
| Nebraska | $928 | -$248 | -21.1% |
| Nevada | $1,410 | $234 | 19.9% |
| New Hampshire | $848 | -$328 | -27.9% |
| New Jersey | $1,316 | $140 | 11.9% |
| New Mexico | $1,040 | -$136 | -11.6% |
| New York | $1,238 | $62 | 5.3% |
| North Carolina | $678 | -$498 | -42.3% |
| North Dakota | $964 | -$212 | -18.0% |
| Ohio | $810 | -$366 | -31.1% |
| Oklahoma | $1,206 | $30 | 2.6% |
| Oregon | $1,076 | -$100 | -8.5% |
| Pennsylvania | $1,120 | -$56 | -4.8% |
| Rhode Island | $1,568 | $392 | 33.3% |
| South Carolina | $1,068 | -$108 | -9.2% |
| South Dakota | $992 | -$184 | -15.6% |
| Tennessee | $1,028 | -$148 | -12.6% |
| Texas | $1,416 | $240 | 20.4% |
| Utah | $870 | -$306 | -26.0% |
| Vermont | $804 | -$372 | -31.6% |
| Virginia | $702 | -$474 | -40.3% |
| Washington | $908 | -$268 | -22.8% |
| West Virginia | $1,078 | -$98 | -8.3% |
| Wisconsin | $814 | -$362 | -30.8% |
| Wyoming | $1,048 | -$128 | -10.9% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so the rates will be varied.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Fiat 500L | $218 | $400 | $510 | $1,308 |
| 2019 Fiat 500L | $208 | $376 | $514 | $1,278 |
| 2018 Fiat 500L | $200 | $338 | $520 | $1,238 |
| 2017 Fiat 500L | $188 | $310 | $520 | $1,198 |
| 2016 Fiat 500L | $180 | $292 | $524 | $1,176 |
| 2015 Fiat 500L | $176 | $272 | $534 | $1,162 |
| 2014 Fiat 500L | $164 | $252 | $534 | $1,130 |
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 Shop for the Right Fiat 500L Insurance
Finding cheaper rates on Fiat 500L insurance takes avoiding accidents and violations, having good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around every couple of years by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The list below is a quick rundown of the material that was raised in the charts and tables above.
- Drivers who want higher liability limits will pay about $580 annually to raise limits from a 30/60 limit to a 250/500 level
- Teenagers are charged the highest rates, possibly costing $395 each month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,370 more annually for car insurance
- Increasing comprehensive and collision deductibles could save as much as $325 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,736 |
| 20 | $2,714 |
| 30 | $1,198 |
| 40 | $1,176 |
| 50 | $1,080 |
| 60 | $1,056 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,286 |
| $500 | $1,176 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,176 |
| 50/100 | $1,281 |
| 100/300 | $1,412 |
| 250/500 | $1,752 |
| 100 CSL | $1,333 |
| 300 CSL | $1,621 |
| 500 CSL | $1,831 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,688 |
| 20 | $4,328 |
| 30 | $2,566 |
| 40 | $2,544 |
| 50 | $2,432 |
| 60 | $2,410 |
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 | $60 |
| Multi-vehicle | $64 |
| Homeowner | $20 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $74 |
| Paid in Full/EFT | $44 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $470 |
Discounts are estimated and may not be available from every company or in every state.
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