Fiat 500L Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2024
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The average insurance rates for a Fiat 500L are $1,176 a year for full coverage insurance. Comprehensive insurance costs approximately $180 a year, collision costs $292, and liability costs around $524. Buying just liability costs as low as $580 a year, with insurance for high-risk drivers costing $2,544 or more. 16-year-old drivers cost the most to insure at $4,736 a year or more.
Average premium for full coverage: $1,176
Policy rates by type of insurance:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and 500L trim levels.
Price Range Variability
For an average driver, Fiat 500L insurance rates go from as low as $580 for your basic liability-only policy to a high of $2,544 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than congested cities.
The diagram below illustrates the effect of geographic area on auto insurance prices.
The examples above illustrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on rate 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.
More Rate Information
The chart below illustrates estimated Fiat 500L insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $706
- Using higher $1,000 deductibles will save $1,068 each year
- The average rate for a good driver age 40 who chooses $500 deductibles is $1,176
- Buying low $100 deductibles for physical damage coverage will cost an extra $206 annually
- High-risk insureds with multiple tickets or accidents could pay around $2,544 or more
- Policy cost for full coverage for a 16-year-old driver can cost $4,736 or more
Insurance rates for a Fiat 500L also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.
Older drivers with a clean driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age
Your home state has a huge impact on Fiat 500L insurance prices. A driver around age 40 might see rates as low as $770 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,590 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $320 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $471 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be from 42% to 133% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Fiat 500L | $218 | $400 | $510 | $1,308 |
| 2019 Fiat 500L | $208 | $376 | $514 | $1,278 |
| 2018 Fiat 500L | $200 | $338 | $520 | $1,238 |
| 2017 Fiat 500L | $188 | $310 | $520 | $1,198 |
| 2016 Fiat 500L | $180 | $292 | $524 | $1,176 |
| 2015 Fiat 500L | $176 | $272 | $534 | $1,162 |
| 2014 Fiat 500L | $164 | $252 | $534 | $1,130 |
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 the Right Fiat 500L Insurance
Finding cheaper rates on insurance for a Fiat 500L requires being a safe and courteous driver, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below is a quick rundown of the primary concepts that were covered in the above illustrations.
- It is possible to save around $130 per year simply by quoting early and online
- Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,370 more per year for auto insurance
- Increasing comprehensive and collision deductibles can save around $325 each year
- Teenage drivers are expensive to insure, possibly costing $395 each month for full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,382 |
| $250 | $1,286 |
| $500 | $1,176 |
| $1,000 | $1,068 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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