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

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

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 $1,198 annually with full coverage. Comprehensive costs around $188, collision costs $310, and liability costs $520. Buying just liability costs as little as $576 a year, with insurance for high-risk drivers costing around $2,592. Teen drivers cost the most to insure at $4,798 a year or more.

Average premium for full coverage: $1,198

Policy rates for type of insurance:

Comprehensive $188
Collision $310
Liability $520

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different 500L trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Fiat 500L insurance rates go from as cheap as $576 for liability-only coverage to a much higher rate of $2,592 for a policy for a high-risk driver.

Liability Only $576
Full Coverage $1,198
High Risk $2,592

Urban vs. Rural Price Range

Your location can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $899
Small Cities $1,258
Large Cities $1,617

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on 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.

Additional Charts and Tables

The chart below details estimated Fiat 500L insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $716
  • Drivers who choose higher $1,000 deductibles will pay about $114 annually
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,198
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost $1,416
  • Drivers with multiple violations and an at-fault accident could pay at least $2,592 or more
  • Policy cost with full coverage for a 16-year-old driver with full coverage can be $4,798 a year

View Chart as Image

Fiat 500L insurance cost comparison chart
Column chart showing full coverage Fiat 500L insurance rates range from $716 to $4,798

Insurance rates for a Fiat 500L also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay as much as $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance can cost from 42% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $340 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Fiat 500L insurance prices. A 40-year-old driver could pay as low as $860 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,620 on average in Florida, Michigan, and New York.

Fiat 500L Insurance Rates by State
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%

View Chart as Image

Fiat 500L insurance rates by U.S. city

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every company uses a different rate calculation, so the rates will be varied between companies.

Fiat 500L Insurance Rates by Model Year
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 Buy Affordable Fiat 500L Insurance

Finding cheaper rates on insurance for a Fiat 500L not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below you'll find a brief review of the coverage data raised in the charts and tables above.

  • You may be able to save up to $140 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $325 each year
  • Youthful drivers pay higher rates, as much as $400 each month including comprehensive and collision insurance
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,390 more every year than a low-risk driver

Rates by Driver Age

Fiat 500L Insurance 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

Fiat 500L Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,416
$250 $1,314
$500 $1,198
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500L Insurance Rates with Different Liability Limits
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

Fiat 500L Insurance 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.

SR-22 Surcharge $164

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
Rate after discounts $716

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