Fiat 500L Insurance Rates

The average insurance prices for a Fiat 500L are $1,176 every 12 months for full coverage insurance. Comprehensive insurance costs on average $180, collision insurance costs $292, and liability coverage is $524. A liability-only policy costs around $580 a year, and high-risk insurance costs $2,544 or more. Teen 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:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different 500L trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates how your location can change car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $706
• Raising to $1,000 deductibles will save around $108 each year
• The average price for a good driver age 40 with $500 deductibles is $1,176
• Choosing more expensive low deductibles costs an extra $206 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,544
• Policy cost to insure a teenage driver with full coverage may cost $4,736

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

Choosing high deductibles can reduce rates by up to $320 a year, while increasing your policy's liability limits will cost you more. Switching 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

An older driver with no driving violations and higher deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest 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 probably paying at a minimum $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates

Your home state also has a big influence on Fiat 500L insurance rates. A middle-age driver might find rates as low as $770 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,590 on average in Michigan, New York, and Florida.

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How to Shop for More Affordable Fiat 500L Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and possibly raising deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The items below are a summary of the car insurance concepts illustrated above.

• Drivers who have multiple accidents or major violations pay on average $1,370 more each year to insure their 500L
• It is possible to save as much as $130 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Consumers who require more liability coverage will pay about $580 annually to raise from a 30/60 limit to a 250/500 level