Fiat 500L Insurance Rates

The average auto insurance rates for a Fiat 500L are $1,176 annually for full coverage. Comprehensive costs on average $180 a year, collision insurance costs $292, and liability is $524. Liability-only coverage costs around $580 a year, and high-risk coverage costs around $2,544. 16-year-old 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:

Prices include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and 500L trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities. The diagram below illustrates how location impacts car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $706
• Raising to $1,000 deductibles will save around $1,068 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,176
• Buying low $100 deductibles will cost $1,382
• Drivers with multiple tickets or accidents could pay upwards of $2,544
• Policy cost with full coverage for a 16-year-old driver may cost $4,736

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay 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 could be paying at a minimum $1,400 to $2,000 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $320 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $471 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Fiat 500L insurance prices. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or at least $1,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy the Right Fiat 500L Insurance

Finding cheaper rates on insurance for a Fiat 500L consists of having a good driving record, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Spend time shopping around every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the material that was touched on above.

• Insureds who require increased levels of liability coverage will pay around $580 each year to raise from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger pay higher rates, costing up to $395 each month if they have full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,370 more each year to buy Fiat 500L insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year