Fiat 500L Insurance Rates

The average auto insurance rates for a Fiat 500L are $1,238 annually for full coverage. Comprehensive costs on average $200, collision insurance costs $338, and liability coverage is $520. A liability-only policy costs around $576 a year, and high-risk insurance costs around $2,678. Teenage drivers cost the most to insure at up to $4,924 a year.

Average premium for full coverage: $1,238

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 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 car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $736
• Raising to $1,000 deductibles will save around $122 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,238
• Using more expensive low deductibles will cost $1,474
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,678
• Policy cost with full coverage for a teenage driver with full coverage may cost $4,924

View Chart as Image

Car 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.

An older driver with no driving violations and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $4,900 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 $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $360 a year, while increasing your policy's 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 $468 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Fiat 500L insurance rates. A middle-age driver might find rates as low as $820 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,770 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Buy Affordable Fiat 500L Insurance

Finding cheaper rates on auto insurance consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The following list is a brief review of the primary concepts that were covered in the above illustrations.

• Drivers can save as much as $140 per year just by shopping early and online
• Drivers with DUI or reckless driving convictions may be required to pay an average of $1,440 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $350 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $410 each month if comprehensive and collision insurance is included