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Fiat 500L Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Fiat 500L are $1,176 a year for full coverage insurance. Comprehensive costs approximately $180 a year, collision costs $292, and liability insurance costs around $524. Liability-only coverage costs as low as $580 a year, with high-risk coverage costing around $2,544. 16-year-old drivers pay the highest rates at $4,736 a year or more.

Average premium for full coverage: $1,176

Price estimates by individual coverage:

Comprehensive $180
Collision $292
Liability $524

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and 500L trim levels.

Price Range from Low to High

For an average driver, Fiat 500L insurance prices go from the low end price of $580 for just the minimum liability insurance to a high of $2,544 for a driver required to buy high-risk insurance.

Liability Only $580
Full Coverage $1,176
High Risk $2,544

Geographic Price Range

Where you live has a significant impact on the price of auto insurance. Rural locations have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

Rural Areas $882
Small Cities $1,235
Large Cities $1,588

The ranges above illustrate why it is important to compare prices using their specific location, rather than relying 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 Analysis

The chart below illustrates estimated Fiat 500L insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $706
  • Using higher $1,000 deductibles will save $1,068 each year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,176
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $1,382
  • Drivers with multiple tickets or accidents could pay around $2,544 or more
  • The price that insures a teen driver can cost $4,736 or more

View Chart as Image

Fiat 500L insurance cost comparison chart
Column chart showing full coverage Fiat 500L insurance rates range from $706 to $4,736

Auto insurance prices for a Fiat 500L are also quite variable based on the trim level of your 500L, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,400 to $2,000 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

The state you live in has a huge impact on Fiat 500L insurance rates. A driver around age 40 might see prices as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,590 on average in Florida, New York, and Michigan.

Fiat 500L Insurance Rates by State
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%

View Chart as Image

Fiat 500L insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $320 each year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.

Fiat 500L Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Find the Best Fiat 500L Insurance

Getting lower rates on Fiat 500L insurance requires being a good driver, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a brief recap of the data covered in the above illustrations.

  • Drivers who purchase an increased level of liability coverage will pay around $580 annually to increase from a low limit to the 250/500 level
  • It is possible to save around $130 per year simply by quoting early and online
  • Increasing physical damage deductibles can save approximately $325 each year
  • Drivers age 16 to 20 have the highest car insurance prices, as much as $395 a month if the policy includes full coverage

Rates by Driver Age

Fiat 500L Insurance 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

Fiat 500L Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,382
$250 $1,286
$500 $1,176
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500L Insurance Rates with Different Liability Limits
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

Fiat 500L Insurance 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.

SR-22 Surcharge $161

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
Rate after discounts $706

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

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