Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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The average insurance rates for a Fiat 500L are $1,198 a year including full coverage. Comprehensive insurance costs an estimated $188, collision insurance costs $310, and liability insurance costs $520. Liability-only coverage costs as little as $576 a year, and high-risk coverage costs $2,592 or more. Teens cost the most to insure at up to $4,798 a year.
Average premium for full coverage: $1,198
Policy rates broken down by type of insurance:
Estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all 500L models.
Price Range Variability
For a driver in their 40's, Fiat 500L insurance rates range from the low end price of $576 for just liability insurance to the much higher price of $2,592 for high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how location helps determine insurance prices.
The examples above highlight why everyone should compare rates for a targeted area, 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.
More Rate Details
The chart below breaks down average Fiat 500L insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $716
- Drivers who choose higher $1,000 deductibles will pay approximately $114 every year
- The estimated price for a good driver age 40 who has $500 deductibles is $1,198
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $218 a year
- High risk drivers with serious driving violations could pay up to $2,592
- Policy cost that insures a teen driver for full coverage can cost as much as $4,798 a year
Insurance rates for a Fiat 500L also range considerably based on the model of your 500L, your driving record and age, and liability limits and deductibles.
If you have a few points on your driving record or you caused an accident, you are likely paying $1,400 to $2,000 additional every year, depending on your age. Fiat 500L insurance for high-risk drivers can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,700 a year. View Rates by Age
Your home state makes a big difference in Fiat 500L insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,710 on average in Louisiana, New York, and Michigan.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit
| 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
Finding cheaper rates on Fiat 500L insurance not only requires having a good driving record, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a review of the material that was covered in the charts and tables above.
- Drivers who want increased levels of liability coverage will pay approximately $570 per year to go from a 30/60 limit to the 250/500 level
- Drivers age 20 and younger are expensive to insure, with premiums being up to $400 each month if comprehensive and collision insurance is included
- High-risk drivers who have several accidents or serious violations could be charged and average of $1,390 more annually to buy Fiat 500L insurance
- Increasing comprehensive and collision deductibles can save approximately $325 each year
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,416 |
| $250 | $1,314 |
| $500 | $1,198 |
| $1,000 | $1,084 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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