Fiat 500L Insurance Rates

The average insurance rates for a Fiat 500L are $1,198 a year for full coverage insurance. Comprehensive costs an estimated $188 each year, collision insurance costs $310, and liability costs $520. A liability-only policy costs as little as $576 a year, and high-risk insurance costs around $2,592. Teen drivers cost the most to insure at up to $4,798 a year.

Average premium for full coverage: $1,198

Policy rates broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and 500L models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The graphic below illustrates how location helps determine insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below illustrates average Fiat 500L insurance rates for other coverage scenarios.

• The lowest rate with discounts is $716
• Drivers who choose higher $1,000 deductibles will pay approximately $114 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,198
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $1,416
• Drivers with multiple violations and an at-fault accident could pay up to $2,592
• Policy cost for full coverage for a 16-year-old driver can cost as much as $4,798 a year

View Chart as Image

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

More mature drivers with no driving violations and high 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 good drivers will be charged at least $4,700 a year. View Rates by Age

Your home state makes a big difference in Fiat 500L insurance prices. A 40-year-old driver could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,620 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $340 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

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

How to Find More Affordable Fiat 500L Insurance

Finding cheaper rates on insurance for a Fiat 500L not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and possibly higher deductibles. Invest time comparing rates at least every other year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a summary of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations pay on average $1,390 more annually to insure a Fiat 500L
• It is possible to save approximately $140 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Insureds who want increased liability limits will pay about $570 annually to go from a 30/60 limit to 250/500 limits