Fiat 500L Insurance Rates
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Michelle Robbins
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UPDATED: Jun 5, 2024
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The average insurance prices for a Fiat 500L are $1,176 every 12 months including full coverage. Comprehensive costs approximately $180 each year, collision insurance costs $292, and liability coverage is $524. A liability-only policy costs around $580 a year, and high-risk insurance 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 by type of insurance:
Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and 500L models.
Price Range Variability
For the average driver, Fiat 500L insurance rates range from the cheapest price of $580 for a discount liability-only rate to a high rate of $2,544 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.
The examples above highlight why all drivers should compare rates quotes using their specific location and their own driving history, rather than using 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.
Rates by State, City, and Model
The chart below breaks down average Fiat 500L insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $706
- Raising to $1,000 deductibles will save $108 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,176
- Selecting low deductibles increases the price to $1,382
- Unlucky drivers with serious driving violations could pay around $2,544
- Policy cost to insure a teenage driver can cost $4,736
Car insurance rates for a Fiat 500L also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your 500L.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $320 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average policy. View High Risk Driver Rates
Your home state also has a big influence on Fiat 500L insurance rates. A middle-age driver might find rates as low as $900 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,680 on average in Louisiana, 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% |
| 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 Shop for the Best Fiat 500L Insurance
Finding cheaper rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Spend time shopping around at every other renewal by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The items below are a brief recap of the concepts that were touched on above.
- Drivers who tend to receive serious violations could be charged and average of $1,370 more per year to insure their 500L
- Teen drivers pay the highest auto insurance rates, with premiums being up to $395 each month if the policy includes full coverage
- You may be able to save around $130 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles could save as much as $325 each year
- You may be able to save around $130 per year just by quoting online in advance
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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