Fiat 500L Insurance Rates

The average insurance prices for a Fiat 500L are $1,176 every 12 months including full coverage. Comprehensive costs on average $180 each year, collision insurance costs $292, and liability insurance costs $524. A liability-only policy costs as little as $580 a year, and high-risk insurance costs around $2,544. Teenage drivers cost the most to insure at up to $4,736 a year.

Average premium for full coverage: $1,176

Policy rates by type of insurance:

Prices include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and 500L models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location and their own driving history, rather than relying on average rates.

Use the form below to get customized rates for your location.

More Rate Information

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

• The best discount rate is $706
• Drivers who choose higher $1,000 deductibles will pay around $108 every year
• The average price for a good driver age 40 with $500 deductibles is $1,176
• Using low deductibles for comprehensive and collision insurance increases the price to $1,382
• High risk drivers who are prone to accidents and violations could pay upwards of $2,544
• Policy cost to insure a teen driver may cost $4,736 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $320 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Fiat 500L insurance rates. A 40-year-old driver 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.

View Chart as Image

How to Shop for the Right Fiat 500L Insurance

Finding cheaper rates on Fiat 500L insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Make time to compare rates at every policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a quick rundown of the data touched on in this article.

• Drivers who require higher liability limits will pay an extra $580 per year to go from a 30/60 limit to a 250/500 level
• You may be able to save as much as $130 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Teens are expensive to insure, with premiums being up to $395 each month if the policy includes full coverage