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 $1,238 annually for full coverage. Comprehensive insurance costs on average $200, collision costs $338, and liability coverage is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing $2,678 or more. Teens pay the highest rates at $4,924 a year or more.
Average premium for full coverage: $1,238
Price estimates by individual coverage:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all 500L models.
Price Range from Low to High
Using a middle-aged driver as an example, Fiat 500L insurance prices go from as cheap as $576 for the bare minimum liability coverage to the much higher price of $2,678 for a driver who has had serious violations or accidents.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.
The example below illustrates how where you live affects car insurance rates.
The ranges above show why everyone should get quotes based on a specific location and their own personal driving habits, rather than using averaged prices.
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 shows estimated Fiat 500L insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $736
- Choosing higher $1,000 deductibles can save around $122 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,238
- Selecting pricier low deductibles for comp and collision coverage costs an additional $236 each year
- Drivers with serious driving violations could pay upwards of $2,678 or more
- The price with full coverage for a teenage driver for full coverage may cost $4,924 each year
Auto 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.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 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 $1,500 to $2,100 in extra premium each year, depending on your age. Fiat 500L insurance for high-risk drivers ranges around 43% to 135% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $360 a year, whereas buying more liability protection 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 extra every year. View Rates by Deductible or Liability Limit
The state you live in plays a big part in determining prices for Fiat 500L insurance rates. A good driver about age 40 could pay as low as $820 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,770 on average in Michigan, Louisiana, and New York.
| 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% |
Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.
| 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 Buy Low Cost Fiat 500L Insurance
Getting lower rates on auto insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a review of the ideas that were touched on in the above illustrations.
- Teen drivers are charged the highest prices, with premiums as much as $410 a month if full coverage is included
- Drivers who have several accidents or serious violations may be required to pay an average of $1,440 more each year to insure their 500L
- Increasing physical damage deductibles could save up to $350 each year
- Drivers can save as much as $140 per year simply by quoting online well ahead of the renewal date
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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