Fiat 500L Insurance Rates

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

Average premium for full coverage: $1,198

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and 500L trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.

The examples above show why it is important to compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $716
• Drivers who choose higher $1,000 deductibles will pay about $1,084 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,198
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,416
• High risk drivers with serious driving violations could pay at least $2,592
• Policy cost for full coverage for a teen driver can be $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 of your 500L, and deductibles and policy limits.

Older drivers with no violations or accidents and high 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, where even good drivers should be prepared to pay as much as $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 $790 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,710 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 130% more than the average policy. View High Risk Driver Rates

How to Find Affordable Fiat 500L Insurance

Finding cheaper rates on Fiat 500L insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates at least every other year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The next list is a brief review of the car insurance concepts covered in the above illustrations.

• High-risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,390 more every year to buy Fiat 500L insurance
• Drivers can save up to $140 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers who may need increased levels of liability coverage will pay approximately $570 each year to go from a 30/60 limit to 250/500 limits