Fiat 500L Insurance Rates

U.S. average insurance rates for a Fiat 500L are $1,176 a year for full coverage. Comprehensive costs around $180, collision insurance costs $292, and liability insurance costs $524. Liability-only coverage costs as little as $580 a year, and high-risk coverage costs around $2,544. Teenage drivers pay the highest rates at up to $4,736 a year.

Average premium for full coverage: $1,176

Price estimates for individual coverage:

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

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $706
• Drivers who choose higher $1,000 deductibles will pay about $108 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,176
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,382
• High risk drivers who are prone to accidents and violations could pay at least $2,544
• The price for full coverage for a teen driver with full coverage can be $4,736 a year

View Chart as Image

Auto insurance prices for a Fiat 500L are also quite variable based on your driving record, the trim level of your 500L, and deductibles and policy limits.

An older driver with a good driving record and high deductibles could pay as little as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $4,700 a year. View Rates by Age

The state you live in makes a big difference in Fiat 500L insurance rates. A 40-year-old driver could pay as low as $780 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,680 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $320 each year, while increasing your policy's liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $471 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,400 to $2,000 in extra premium each year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 133% more than a normal policy. View High Risk Driver Rates

How to Find Affordable Fiat 500L Insurance

Getting lower rates on Fiat 500L insurance not only requires being a safe and courteous driver, but also having good credit, eliminating unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a brief review of the data touched on in the above illustrations.

• Drivers who may need higher levels of liability will pay an extra $580 each year to go from a low limit to 250/500 limits
• Drivers can save up to $130 per year just by shopping early and online
• Increasing physical damage deductibles can save around $325 each year
• Teenage drivers are expensive to insure, with premiums as much as $395 a month if they have full coverage