Fiat 500L Insurance Rates

The average auto insurance rates for a Fiat 500L are $1,176 annually for full coverage insurance. Comprehensive costs on average $180 a year, collision insurance costs $292, and liability coverage costs around $524. A liability-only policy costs as low as $580 a year, and high-risk insurance costs around $2,544. Teens 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 are based on $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and 500L trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $706
• Using higher $1,000 deductibles will save around $1,068 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,176
• Selecting low $100 deductibles for physical damage coverage will cost $1,382
• Higher-risk drivers with serious driving violations could pay upwards of $2,544
• Policy cost with full coverage for a teenage driver may cost $4,736 or more

View Chart as Image

Car insurance rates for a Fiat 500L also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they 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 caused a few accidents, you are probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $320 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Fiat 500L insurance rates. A driver around age 40 might see rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,590 on average in Michigan, New York, and Florida.

View Chart as Image

How to Buy Affordable Fiat 500L Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit score, being claim-free, and possibly raising deductibles. Take the time to compare rates every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a brief review of the coverage data covered in the above illustrations.

• It is possible to save as much as $130 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Teens are expensive to insure, possibly costing $395 each month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions may pay on average $1,370 more each year for 500L insurance