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: May 12, 2022

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The average auto insurance rates for a Fiat 500L are $1,176 annually including full coverage. Comprehensive costs around $180 each year, collision insurance costs $292, and liability insurance costs around $524. Liability-only coverage costs as low as $580 a year, and high-risk coverage costs around $2,544. Teens cost the most to insure at up to $4,736 a year.

Average premium for full coverage: $1,176

Policy rates for type of insurance:

Comprehensive $180
Collision $292
Liability $524

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and 500L models.

Price Range Variability

For the average 40-year-old driver, Fiat 500L insurance rates range from as cheap as $580 for just the minimum liability insurance to a high rate of $2,544 for a driver required to buy high-risk insurance.

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

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference location can make on auto insurance rates.

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

The examples above highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on 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 Analysis

The chart below breaks down average Fiat 500L insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $706
  • Using higher $1,000 deductibles will save about $108 every year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,176
  • Selecting low deductibles for physical damage coverage will cost $1,382
  • Drivers with serious driving violations could pay at least $2,544
  • Policy cost with full coverage for a teen driver can be $4,736 or more

View Chart as Image

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

Insurance rates for a Fiat 500L also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,400 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Fiat 500L insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,680 on average in Michigan, New York, and Louisiana.

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
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 Buy the Best Cheap Fiat 500L Insurance

Finding cheaper rates on Fiat 500L insurance requires being a low-risk driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick review of the data touched on in this article.

  • Drivers who may need more liability coverage will pay approximately $580 per year to increase from a 30/60 limit to higher 250/500 limits
  • You may be able to save up to $130 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save up to $325 each year
  • Teen drivers are charged the highest rates, with premiums being up to $395 each month if they have 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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