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 costs around $200 each year, collision costs $358, and liability costs $520. Liability-only coverage costs as little as $576 a year, with high-risk coverage costing around $2,730. 16-year-old drivers receive the highest rates at $5,006 a year or more.
Average premium for full coverage: $1,258
Rate estimates for individual coverage type:
Prices include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and 500X models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $576 for the bare minimum liability coverage to a high rate of $2,730 for high-risk insurance.
Price Range by Location
Your location can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than congested cities.
The graphic below illustrates how geographic area affects auto insurance rates.
These examples highlight why all drivers should compare rates for a specific zip code and their own driving history, instead of making a decision based on 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 additional coverage choices and driver risks.
- The best full coverage rate is $744
- Drivers who choose higher $1,000 deductibles will pay about $126 every year
- The average price for a 40-year-old driver using $500 deductibles is $1,258
- Buying low deductibles for comprehensive and collision insurance increases the price to $1,504
- Drivers with multiple tickets or accidents could pay at least $2,730 or more
- The cost to insure a 16-year-old driver can be $5,006 a year
Car insurance rates for a Fiat 500X can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.
Opting for high physical damage deductibles could save up to $380 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged as much as $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 least $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 133% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Fiat 500X insurance prices. A 40-year-old driver could pay 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 your exact price is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, so rate quotes 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 insurance for a Fiat 500X not only requires having a good driving record, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The next list is a quick rundown of the material that was presented in the illustrations above.
- Insureds who may need increased levels of liability coverage will pay around $570 per year to go from a minimum limit to a 250/500 level
- Drivers age 20 and younger are the costliest to insure, as much as $417 per month if the policy includes full coverage
- Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,470 more every year to buy Fiat 500X insurance
- Increasing deductibles could save as much as $375 each year
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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