Fiat 500L Insurance Rates

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UPDATED: Jun 5, 2024

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U.S. average insurance rates for a Fiat 500L are $1,198 a year including full coverage. Comprehensive costs an estimated $188 a year, collision insurance costs $310, and liability is estimated at $520. Liability-only insurance costs approximately $576 a year, and high-risk driver insurance costs around $2,592. Teenage drivers pay the highest rates at up to $4,798 a year.

Average premium for full coverage: $1,198

Price estimates broken down by individual coverage:

Comprehensive $188
Collision $310
Liability $520

Estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and 500L trim levels.

Price Range from Low to High

For an average driver, Fiat 500L insurance prices range from the low end price of $576 for minimum levels of liability insurance to a high of $2,592 for a driver who requires high-risk insurance.

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 the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.

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

The ranges above highlight why it is important to get quotes for a targeted area, instead of making a decision based on average rates.

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 Details

The chart below breaks down average Fiat 500L insurance rates for other coverage scenarios.

  • The best discount rate is $716
  • Choosing higher $1,000 deductibles can save approximately $1,084 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,198
  • Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,416
  • Higher-risk drivers who are prone to accidents and violations could pay up to $2,592
  • The price that insures a 16-year-old driver can cost as much as $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

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

If you have some driving violations or you caused an accident, you are likely paying $1,400 to $2,000 extra each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $4,700 a year. View Rates by Age

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 $920 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,710 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles can save as much as $340 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find Low Cost Fiat 500L Insurance

Getting lower rates on insurance for a Fiat 500L takes having a decent driving record, having a positive credit history, being claim-free, and possibly higher deductibles. Compare prices at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a review of the concepts that were covered in the above illustrations.

  • Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,390 more annually than a driver with a clean driving record
  • 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $400 a month if full coverage is purchased
  • You may be able to save approximately $140 per year just by quoting early and online
  • Increasing physical damage deductibles can save approximately $325 each year
  • You may be able to save approximately $140 per year just by quoting early and online

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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