Fiat 500L Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Jun 5, 2024
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Estimated insurance prices for a Fiat 500L are $1,176 every 12 months including full coverage. Comprehensive costs around $180 a year, collision costs $292, and liability is estimated at $524. Liability-only coverage costs approximately $580 a year, with high-risk coverage costing around $2,544. Teenage drivers pay the most at $4,736 a year or more.
Average premium for full coverage: $1,176
Premium estimates for type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and 500L trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Fiat 500L go from the cheapest price of $580 for basic liability insurance to a high of $2,544 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on auto insurance rates.
These rate differences highlight why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.
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.
Rate Comparisons
The chart below breaks down estimated Fiat 500L insurance rates for additional coverage choices and driver risks.
- The best discount rate is $706
- Choosing higher $1,000 deductibles can save about $1,068 every year
- The average price for a 40-year-old good driver using $500 deductibles is $1,176
- Using low $100 deductibles for comp and collision coverage increases the price to $1,382
- Higher-risk drivers who are prone to accidents and violations could pay at least $2,544 or more
- An auto insurance policy to insure a 16-year-old driver can be $4,736 each year
Insurance prices for a Fiat 500L also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.
Using high physical damage deductibles can save as much as $320 annually, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $471 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $4,700 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are likely paying at least $1,400 to $2,000 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Fiat 500L insurance prices. A good driver about age 40 could pay as low as $900 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,680 on average in Michigan, New York, and Louisiana.
| 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% |
With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.
| 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 better rates on insurance for a Fiat 500L takes being safe and accident-free, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.
Below you'll find a brief recap of the data that was covered above.
- You may be able to save up to $130 per year simply by quoting early and online
- Insureds who may need more liability protection will pay an extra $580 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers pay higher prices, with the cost nearing $395 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,370 more every year than a low-risk driver
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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