Fiat 500X Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 7, 2024
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Average insurance prices for a Fiat 500X are $1,258 every 12 months including full coverage. Comprehensive insurance costs on average $200, collision costs $358, and liability coverage costs around $520. A liability-only policy costs as low as $576 a year, with high-risk insurance costing $2,730 or more. 16-year-old drivers receive the highest rates at $5,006 a year or more.
Average premium for full coverage: $1,258
Rate estimates by individual coverage type:
Prices include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all 500X models.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range go from the cheapest price of $576 for the bare minimum liability coverage to the much higher price of $2,730 for a driver who has had serious violations or accidents.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural areas tend to have more infrequent comprehensive and collision claims than congested cities.
The example below illustrates how your location can change car insurance rates.
These examples highlight why everyone should compare prices based on a specific location and their own driving history, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below breaks down estimated Fiat 500X insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $744
- Using higher $1,000 deductibles will save around $126 every year
- The average price for a 40-year-old driver with $500 deductibles is $1,258
- Buying pricier low deductibles for physical damage coverage costs an extra $246 each year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,730 or more
- The cost to insure a teenage driver for full coverage may cost $5,006 or more
Insurance rates for a Fiat 500X can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level of your 500X.
Opting for high physical damage deductibles could cut rates by as much as $380 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay upwards of $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,100 extra per year, depending on your age. Fiat 500X insurance for high-risk drivers can be around 42% to 133% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Fiat 500X insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,790 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,136 | -$122 | -9.7% |
| Alaska | $964 | -$294 | -23.4% |
| Arizona | $1,046 | -$212 | -16.9% |
| Arkansas | $1,258 | -$0 | 0.0% |
| California | $1,432 | $174 | 13.8% |
| Colorado | $1,200 | -$58 | -4.6% |
| Connecticut | $1,292 | $34 | 2.7% |
| Delaware | $1,424 | $166 | 13.2% |
| Florida | $1,574 | $316 | 25.1% |
| Georgia | $1,162 | -$96 | -7.6% |
| Hawaii | $904 | -$354 | -28.1% |
| Idaho | $852 | -$406 | -32.3% |
| Illinois | $938 | -$320 | -25.4% |
| Indiana | $948 | -$310 | -24.6% |
| Iowa | $850 | -$408 | -32.4% |
| Kansas | $1,194 | -$64 | -5.1% |
| Kentucky | $1,714 | $456 | 36.2% |
| Louisiana | $1,862 | $604 | 48.0% |
| Maine | $778 | -$480 | -38.2% |
| Maryland | $1,038 | -$220 | -17.5% |
| Massachusetts | $1,004 | -$254 | -20.2% |
| Michigan | $2,182 | $924 | 73.4% |
| Minnesota | $1,054 | -$204 | -16.2% |
| Mississippi | $1,508 | $250 | 19.9% |
| Missouri | $1,116 | -$142 | -11.3% |
| Montana | $1,350 | $92 | 7.3% |
| Nebraska | $992 | -$266 | -21.1% |
| Nevada | $1,510 | $252 | 20.0% |
| New Hampshire | $906 | -$352 | -28.0% |
| New Jersey | $1,406 | $148 | 11.8% |
| New Mexico | $1,114 | -$144 | -11.4% |
| New York | $1,326 | $68 | 5.4% |
| North Carolina | $726 | -$532 | -42.3% |
| North Dakota | $1,032 | -$226 | -18.0% |
| Ohio | $868 | -$390 | -31.0% |
| Oklahoma | $1,292 | $34 | 2.7% |
| Oregon | $1,152 | -$106 | -8.4% |
| Pennsylvania | $1,198 | -$60 | -4.8% |
| Rhode Island | $1,678 | $420 | 33.4% |
| South Carolina | $1,140 | -$118 | -9.4% |
| South Dakota | $1,060 | -$198 | -15.7% |
| Tennessee | $1,100 | -$158 | -12.6% |
| Texas | $1,514 | $256 | 20.3% |
| Utah | $930 | -$328 | -26.1% |
| Vermont | $862 | -$396 | -31.5% |
| Virginia | $752 | -$506 | -40.2% |
| Washington | $970 | -$288 | -22.9% |
| West Virginia | $1,152 | -$106 | -8.4% |
| Wisconsin | $870 | -$388 | -30.8% |
| Wyoming | $1,120 | -$138 | -11.0% |
With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, so the rates can be significantly different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Fiat 500X | $248 | $494 | $470 | $1,392 |
| 2022 Fiat 500X | $240 | $474 | $486 | $1,380 |
| 2021 Fiat 500X | $226 | $458 | $500 | $1,364 |
| 2020 Fiat 500X | $218 | $424 | $510 | $1,332 |
| 2019 Fiat 500X | $208 | $400 | $514 | $1,302 |
| 2018 Fiat 500X | $200 | $358 | $520 | $1,258 |
| 2017 Fiat 500X | $188 | $330 | $520 | $1,218 |
| 2016 Fiat 500X | $180 | $310 | $524 | $1,194 |
Rates are averaged for all Fiat 500X models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Fiat 500X Insurance
Saving money on auto insurance requires having a decent driving record, having good credit, not filing small claims, and bundling your home and auto policies. Invest the time to shop around every other policy renewal by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following items are a quick rundown of the ideas that were illustrated above.
- 16 to 18-year-old drivers pay the highest rates, as much as $417 per month if they have full coverage
- Drivers with reckless driving or DUI convictions may pay on average $1,470 more each year than a driver with a clean driving record
- Increasing deductibles could save as much as $375 each year
- You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,006 |
| 20 | $2,914 |
| 30 | $1,288 |
| 40 | $1,258 |
| 50 | $1,156 |
| 60 | $1,132 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,504 |
| $250 | $1,390 |
| $500 | $1,258 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,258 |
| 50/100 | $1,362 |
| 100/300 | $1,492 |
| 250/500 | $1,830 |
| 100 CSL | $1,414 |
| 300 CSL | $1,700 |
| 500 CSL | $1,908 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,088 |
| 20 | $4,652 |
| 30 | $2,764 |
| 40 | $2,730 |
| 50 | $2,612 |
| 60 | $2,588 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $65 |
| Multi-vehicle | $69 |
| Homeowner | $21 |
| 5-yr Accident Free | $84 |
| 5-yr Claim Free | $80 |
| Paid in Full/EFT | $50 |
| Advance Quote | $59 |
| Online Quote | $86 |
| Total Discounts | $514 |
Discounts are estimated and may not be available from every company or in every state.
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