Fiat 500L Insurance Rates

The average insurance rates for a Fiat 500L are $1,198 a year with full coverage. Comprehensive costs approximately $188 each year, collision insurance costs $310, and liability coverage costs $520. Buying just liability costs as little as $576 a year, and insurance for high-risk drivers costs around $2,592. 16-year-old drivers cost the most to insure at up to $4,798 a year.

Average premium for full coverage: $1,198

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and 500L models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $716
• Drivers who choose higher $1,000 deductibles will pay $114 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,198
• Buying low deductibles for comprehensive and collision insurance will increase the cost to $1,416
• High-risk insureds with multiple tickets or accidents could pay around $2,592
• Policy cost for full coverage for a teenage driver can cost $4,798 a year

View Chart as Image

Insurance rates for a Fiat 500L also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $340 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 130% more than the average rate. View High Risk Driver Rates

How to Find the Best Cheap Fiat 500L Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a quick review of the data covered in the charts and tables above.

• Consumers who purchase an increased level of liability coverage will pay around $570 every year to go from a 30/60 limit to 250/500 limits
• You may be able to save around $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers age 16 to 20 are expensive to insure, as much as $400 each month for full coverage