Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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Estimated insurance rates for a Fiat 500L are $1,238 a year including full coverage. Comprehensive costs on average $200, collision insurance costs $338, and liability insurance is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,678. Teen drivers pay the most at up to $4,924 a year.
Average premium for full coverage: $1,238
Premium estimates by type of coverage:
Rates are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all 500L models.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Fiat 500L range from the low end price of $576 for just the minimum liability insurance to the much higher price of $2,678 for high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.
These rate differences highlight why everyone should compare rates quotes based on a specific location, 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 Analysis
The chart below breaks down average Fiat 500L insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $736
- Raising to $1,000 deductibles will save around $122 every year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,238
- Choosing pricier low deductibles bumps up the cost to $1,474
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,678
- An auto insurance policy that insures a teen driver for full coverage may cost $4,924
Auto insurance prices for a Fiat 500L also have a wide range based on the model of your 500L, your driving record and age, and policy deductibles and limits.
If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,100 in extra premium annually, depending on your age. Fiat 500L insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age
Where you choose to live also has a big influence on Fiat 500L insurance rates. A middle-age driver might find prices as low as $950 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,770 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,118 | -$120 | -9.7% |
| Alaska | $948 | -$290 | -23.4% |
| Arizona | $1,028 | -$210 | -17.0% |
| Arkansas | $1,238 | -$0 | 0.0% |
| California | $1,408 | $170 | 13.7% |
| Colorado | $1,180 | -$58 | -4.7% |
| Connecticut | $1,270 | $32 | 2.6% |
| Delaware | $1,400 | $162 | 13.1% |
| Florida | $1,548 | $310 | 25.0% |
| Georgia | $1,142 | -$96 | -7.8% |
| Hawaii | $888 | -$350 | -28.3% |
| Idaho | $838 | -$400 | -32.3% |
| Illinois | $922 | -$316 | -25.5% |
| Indiana | $932 | -$306 | -24.7% |
| Iowa | $836 | -$402 | -32.5% |
| Kansas | $1,174 | -$64 | -5.2% |
| Kentucky | $1,684 | $446 | 36.0% |
| Louisiana | $1,832 | $594 | 48.0% |
| Maine | $764 | -$474 | -38.3% |
| Maryland | $1,020 | -$218 | -17.6% |
| Massachusetts | $988 | -$250 | -20.2% |
| Michigan | $2,146 | $908 | 73.3% |
| Minnesota | $1,036 | -$202 | -16.3% |
| Mississippi | $1,482 | $244 | 19.7% |
| Missouri | $1,098 | -$140 | -11.3% |
| Montana | $1,326 | $88 | 7.1% |
| Nebraska | $976 | -$262 | -21.2% |
| Nevada | $1,484 | $246 | 19.9% |
| New Hampshire | $892 | -$346 | -27.9% |
| New Jersey | $1,384 | $146 | 11.8% |
| New Mexico | $1,094 | -$144 | -11.6% |
| New York | $1,304 | $66 | 5.3% |
| North Carolina | $714 | -$524 | -42.3% |
| North Dakota | $1,014 | -$224 | -18.1% |
| Ohio | $852 | -$386 | -31.2% |
| Oklahoma | $1,270 | $32 | 2.6% |
| Oregon | $1,134 | -$104 | -8.4% |
| Pennsylvania | $1,178 | -$60 | -4.8% |
| Rhode Island | $1,650 | $412 | 33.3% |
| South Carolina | $1,122 | -$116 | -9.4% |
| South Dakota | $1,042 | -$196 | -15.8% |
| Tennessee | $1,082 | -$156 | -12.6% |
| Texas | $1,488 | $250 | 20.2% |
| Utah | $914 | -$324 | -26.2% |
| Vermont | $846 | -$392 | -31.7% |
| Virginia | $740 | -$498 | -40.2% |
| Washington | $954 | -$284 | -22.9% |
| West Virginia | $1,134 | -$104 | -8.4% |
| Wisconsin | $856 | -$382 | -30.9% |
| Wyoming | $1,100 | -$138 | -11.1% |
Choosing high deductibles can reduce prices by up to $360 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Fiat 500L | $240 | $446 | $486 | $1,352 |
| 2019 Fiat 500L | $226 | $430 | $500 | $1,336 |
| 2018 Fiat 500L | $218 | $400 | $510 | $1,308 |
| 2017 Fiat 500L | $208 | $376 | $514 | $1,278 |
| 2016 Fiat 500L | $200 | $338 | $520 | $1,238 |
| 2015 Fiat 500L | $188 | $310 | $520 | $1,198 |
| 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 Cheap Fiat 500L Insurance
Finding better rates on Fiat 500L insurance consists of having a good driving record, maintaining a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
The next list is a quick review of the material that was covered in the above illustrations.
- Drivers who require increased levels of liability coverage will pay about $570 per year to raise from 30/60 bodily injury limits to the 250/500 level
- Drivers age 20 and younger are charged the highest prices, with the cost nearing $410 per month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,440 more each year to buy Fiat 500L insurance
- Increasing policy deductibles can save approximately $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,924 |
| 20 | $2,856 |
| 30 | $1,264 |
| 40 | $1,238 |
| 50 | $1,136 |
| 60 | $1,112 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,474 |
| $250 | $1,364 |
| $500 | $1,238 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,238 |
| 50/100 | $1,342 |
| 100/300 | $1,472 |
| 250/500 | $1,810 |
| 100 CSL | $1,394 |
| 300 CSL | $1,680 |
| 500 CSL | $1,888 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,966 |
| 20 | $4,556 |
| 30 | $2,710 |
| 40 | $2,678 |
| 50 | $2,562 |
| 60 | $2,538 |
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 | $63 |
| Multi-vehicle | $67 |
| Homeowner | $21 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $79 |
| Paid in Full/EFT | $49 |
| Advance Quote | $57 |
| Online Quote | $85 |
| Total Discounts | $502 |
Discounts are estimated and may not be available from every company or in every state.
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