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...
Licensed Insurance Agent
UPDATED: Jun 5, 2024
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Average insurance rates for a Fiat 500L are $1,198 a year for full coverage. Comprehensive costs an estimated $188 a year, collision costs $310, and liability coverage is estimated at $520. Liability-only coverage costs approximately $576 a year, with high-risk coverage costing around $2,592. 16-year-old drivers receive the highest rates at $4,798 a year or more.
Average premium for full coverage: $1,198
Rate estimates broken down by individual coverage type:
Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and 500L trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from as low as $576 for just liability coverage to a high of $2,592 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a large influence on insurance rates. More rural locations tend to have a lower frequency of accident claims than congested cities.
The diagram below illustrates the difference location can make on insurance prices.
These examples show why it is important to get quotes for a targeted area and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below shows estimated Fiat 500L insurance rates for other coverage scenarios.
- The best full coverage rate is $716
- Choosing higher $1,000 deductibles can save approximately $1,084 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,198
- Buying low $100 deductibles for comp and collision coverage will increase the cost to $1,416
- Drivers with multiple tickets or accidents could pay up to $2,592 or more
- The cost for full coverage for a teenage driver can cost as much as $4,798 each year
Car insurance rates for a Fiat 500L can also vary considerably based on your driver profile, the trim level of your 500L, and liability limits and deductibles.
Older drivers with no driving violations and high deductibles may only pay around $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $4,700 a year. View Rates by Age
Where you live plays a big part in determining prices for Fiat 500L insurance rates. A good driver about age 40 could pay as low as $790 a year in states like Iowa, Maine, and Idaho, or at least $1,710 on average in New York, Louisiana, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $340 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,400 to $2,000 extra per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 130% more than the average rate. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different from one company to the next.
| 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
Saving money on auto insurance takes having a good driving record, having above-average credit, eliminating unneeded coverage, and not having any coverage lapses. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The next list is a condensed summary of the ideas that were touched on in this article.
- Drivers age 20 and younger have the highest car insurance rates, costing as high as $400 per month if full coverage is included
- Drivers with multiple at-fault accidents pay an average of $1,390 more annually to buy Fiat 500L insurance
- Increasing deductibles can save around $325 each year
- Drivers can save approximately $140 per year simply by quoting early and online
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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