Fiat 500L Insurance Rates
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UPDATED: Jun 5, 2024
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U.S. average insurance rates for a Fiat 500L are $1,198 a year for full coverage. Comprehensive costs on average $188, collision insurance costs $310, and liability costs around $520. Liability-only insurance costs as low as $576 a year, and high-risk driver insurance costs around $2,592. Teen drivers pay the highest rates at up to $4,798 a year.
Average premium for full coverage: $1,198
Price estimates by individual coverage:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for different 500L trim levels.
Price Range from Low to High
For the average driver, Fiat 500L insurance prices range from the low end price of $576 for just liability coverage to a much higher rate of $2,592 for a driver required to buy high-risk insurance.
Geographic Price Range
Where you live can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.
The ranges above show why anyone shopping for car insurance should compare prices based on a specific location, instead of 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.
Detailed Rate Analysis
The chart below shows average Fiat 500L insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $716
- Using higher $1,000 deductibles will save around $114 a year
- The estimated price for the average middle-age driver with $500 deductibles is $1,198
- Choosing more expensive low deductibles for physical damage coverage bumps up the cost to $1,416
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,592
- The price that insures a teen driver with full coverage may cost $4,798 or more
Car insurance prices for a Fiat 500L are also quite variable based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have some driving violations or you caused an accident, you could be paying at a minimum $1,400 to $2,000 extra each year, depending on your age. High-risk driver insurance can be as much as 42% to 130% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $4,700 a year. View Rates by Age
The state you live in has a huge impact on Fiat 500L insurance prices. A driver around age 40 might see prices as low as $790 a year in states like Idaho, Maine, and Iowa, or as much as $1,710 on average in Michigan, Louisiana, and New York.
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 high deductibles could cut prices by as much as $340 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection 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
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 Cheaper Fiat 500L Insurance
Getting lower rates on car insurance requires avoiding accidents and claims, having a positive credit history, eliminating unnecessary coverage, and possibly raising deductibles. Shop around at every policy renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The points below are a condensed summary of the data touched on above.
- Policyholders who require increased liability limits will pay about $570 each year to increase from a low limit to the 250/500 level
- Drivers can save as much as $140 per year just by shopping early and online
- Increasing physical damage deductibles can save approximately $325 each year
- Drivers under the age of 20 are expensive to insure, with premiums as much as $400 a month if full coverage is purchased
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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