Fiat 500L Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average auto insurance rates for a Fiat 500L are $1,238 annually including full coverage. Comprehensive costs approximately $200, collision insurance costs $338, and liability insurance is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,678. Teenage drivers cost the most to insure at up to $4,924 a year.

Average premium for full coverage: $1,238

Policy rates by type of insurance:

Comprehensive $200
Collision $338
Liability $520

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 500L models.

Price Range Variability

Using a 40-year-old driver as an example, Fiat 500L insurance rates range from as cheap as $576 for liability-only coverage to the much higher price of $2,678 for a policy for a high-risk driver.

Liability Only $576
Full Coverage $1,238
High Risk $2,678

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

The examples above highlight why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying 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.

Additional Charts and Tables

The chart below breaks down average Fiat 500L insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $736
  • Raising to $1,000 deductibles will save $122 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,238
  • Using pricier low deductibles will cost $1,474
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,678
  • Policy cost with full coverage for a teen driver for full coverage can cost $4,924

View Chart as Image

Fiat 500L insurance cost comparison chart
Column chart showing Fiat 500L insurance rates range from $736 to $4,924 for full coverage

Car insurance rates for a Fiat 500L also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Fiat 500L insurance for high-risk drivers is expensive and can cost anywhere from 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $360 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Fiat 500L insurance rates. A middle-age driver might find rates as low as $950 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,770 on average in Louisiana, New York, and Michigan.

Fiat 500L Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,118 -$120 -9.7%
Alaska $948 -$290 -23.4%
Arizona $1,028 -$210 -17.0%
Arkansas $1,238 -$0 0.0%
California $1,408 $170 13.7%
Colorado $1,180 -$58 -4.7%
Connecticut $1,270 $32 2.6%
Delaware $1,400 $162 13.1%
Florida $1,548 $310 25.0%
Georgia $1,142 -$96 -7.8%
Hawaii $888 -$350 -28.3%
Idaho $838 -$400 -32.3%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $836 -$402 -32.5%
Kansas $1,174 -$64 -5.2%
Kentucky $1,684 $446 36.0%
Louisiana $1,832 $594 48.0%
Maine $764 -$474 -38.3%
Maryland $1,020 -$218 -17.6%
Massachusetts $988 -$250 -20.2%
Michigan $2,146 $908 73.3%
Minnesota $1,036 -$202 -16.3%
Mississippi $1,482 $244 19.7%
Missouri $1,098 -$140 -11.3%
Montana $1,326 $88 7.1%
Nebraska $976 -$262 -21.2%
Nevada $1,484 $246 19.9%
New Hampshire $892 -$346 -27.9%
New Jersey $1,384 $146 11.8%
New Mexico $1,094 -$144 -11.6%
New York $1,304 $66 5.3%
North Carolina $714 -$524 -42.3%
North Dakota $1,014 -$224 -18.1%
Ohio $852 -$386 -31.2%
Oklahoma $1,270 $32 2.6%
Oregon $1,134 -$104 -8.4%
Pennsylvania $1,178 -$60 -4.8%
Rhode Island $1,650 $412 33.3%
South Carolina $1,122 -$116 -9.4%
South Dakota $1,042 -$196 -15.8%
Tennessee $1,082 -$156 -12.6%
Texas $1,488 $250 20.2%
Utah $914 -$324 -26.2%
Vermont $846 -$392 -31.7%
Virginia $740 -$498 -40.2%
Washington $954 -$284 -22.9%
West Virginia $1,134 -$104 -8.4%
Wisconsin $856 -$382 -30.9%
Wyoming $1,100 -$138 -11.1%

View Chart as Image

Fiat 500L insurance rates by U.S. city
Fiat 500L Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Fiat 500L $240 $446 $486 $1,352
2019 Fiat 500L $226 $430 $500 $1,336
2018 Fiat 500L $218 $400 $510 $1,308
2017 Fiat 500L $208 $376 $514 $1,278
2016 Fiat 500L $200 $338 $520 $1,238
2015 Fiat 500L $188 $310 $520 $1,198
2014 Fiat 500L $180 $292 $524 $1,176

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 Buy Cheap Fiat 500L Insurance

Finding cheaper rates on Fiat 500L insurance consists of avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Set aside time to shop around every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief summary of the coverage data raised in the charts and tables above.

  • You may be able to save around $140 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save up to $350 each year
  • Drivers under the age of 20 pay the highest auto insurance rates, with premiums being up to $410 each month if comprehensive and collision insurance is included
  • High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,440 more per year to insure a Fiat 500L

Rates by Driver Age

Fiat 500L Insurance Rates by Driver Age
Driver Age Premium
16 $4,924
20 $2,856
30 $1,264
40 $1,238
50 $1,136
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Fiat 500L Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,474
$250 $1,364
$500 $1,238
$1,000 $1,116

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500L Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,342
100/300 $1,472
250/500 $1,810
100 CSL $1,394
300 CSL $1,680
500 CSL $1,888

Full coverage, driver age 40

Rates for High Risk Drivers

Fiat 500L Insurance Rates for High Risk Drivers
Age Premium
16 $6,966
20 $4,556
30 $2,710
40 $2,678
50 $2,562
60 $2,538

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.

SR-22 Surcharge $171

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $63
Multi-vehicle $67
Homeowner $21
5-yr Accident Free $81
5-yr Claim Free $79
Paid in Full/EFT $49
Advance Quote $57
Online Quote $85
Total Discounts $502
Rate after discounts $736

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles