Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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U.S. average insurance prices for a Fiat 500L are $1,238 every 12 months including full coverage. Comprehensive costs approximately $200 a year, collision insurance costs $338, and liability coverage costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs around $2,678. Teen drivers pay the highest rates at up to $4,924 a year.
Average premium for full coverage: $1,238
Price estimates by individual coverage:
Price estimates include $500 policy 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 the average 40-year-old driver, Fiat 500L insurance prices range from the cheapest price of $576 for minimum levels of liability insurance to a high of $2,678 for a driver who requires high-risk insurance.
Geographic Price Range
Where you live has a large influence on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.
The ranges above highlight why it is important to compare prices using their specific location and their own driving history, rather than using 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 Details
The chart below breaks down average Fiat 500L insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $736
- Using higher $1,000 deductibles will save $1,116 every year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,238
- Choosing low $100 deductibles for physical damage coverage increases the price to $1,474
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,678
- The price to insure a teenage driver can cost $4,924 or more
Car insurance prices for a Fiat 500L are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your 500L.
Choosing high deductibles could cut prices by as much as $360 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability 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
Older drivers with no driving violations and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $4,900 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,100 extra each year, depending on your age. A high-risk auto insurance policy can be around 43% to 135% more than average. View High Risk Driver Rates
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 $950 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,770 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Shop for Cheaper Fiat 500L Insurance
Getting lower rates on auto insurance requires being safe and accident-free, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Make time to compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below you'll find a condensed summary of the concepts that were touched on in this article.
- Drivers with multiple at-fault accidents could be charged and average of $1,440 more per year than a low-risk driver
- Youthful drivers pay the highest auto insurance prices, possibly costing $410 a month if the policy includes full coverage
- You may be able to save around $140 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $350 each year
- You may be able to save around $140 per year just by quoting early and online
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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