Fiat 500X Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 7, 2024

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The average insurance rates for a Fiat 500X are $1,332 a year with full coverage. Comprehensive costs an estimated $218, collision insurance costs $424, and liability costs $510. Buying just liability costs as little as $568 a year, and insurance for high-risk drivers costs around $2,898. Teen drivers cost the most to insure at up to $5,242 a year.

Average premium for full coverage: $1,332

Policy rates broken down by type of insurance:

Comprehensive $218
Collision $424
Liability $510

Rates are based on $500 physical damage deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all 500X models.

Price Range Variability

For the normal driver, Fiat 500X insurance rates range from the low end price of $568 for just liability coverage to the much higher price of $2,898 for a high-risk insurance policy.

Liability Only $568
Full Coverage $1,332
High Risk $2,898

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have lower incidents of collision claims than larger metro areas. The example below illustrates how geographic area affects insurance prices.

Rural Areas $999
Small Cities $1,399
Large Cities $1,798

The examples above demonstrate why everyone should compare rates for a targeted area, instead of making a decision based on price 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.

Detailed Rate Analysis

The chart below details average Fiat 500X insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $778
  • Drivers who choose higher $1,000 deductibles will pay approximately $144 annually
  • The estimated price for a good driver age 40 who has $500 deductibles is $1,332
  • Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,616
  • Drivers with multiple violations and an at-fault accident could pay up to $2,898
  • Policy cost that insures a 16-year-old driver for full coverage can cost as much as $5,242 a year

View Chart as Image

Fiat 500X insurance cost comparison chart
Column chart showing Fiat 500X insurance rates range from $778 to $5,242 for full coverage

Insurance rates for a Fiat 500X also range considerably based on the model of your 500X, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,600 to $2,200 extra every year, depending on your age. Fiat 500X insurance for high-risk drivers can cost from 42% to 134% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Your home state makes a big difference in Fiat 500X insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,800 on average in New York, Michigan, and Florida.

Fiat 500X Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,202 -$130 -9.8%
Alaska $1,020 -$312 -23.4%
Arizona $1,106 -$226 -17.0%
Arkansas $1,332 -$0 0.0%
California $1,518 $186 14.0%
Colorado $1,270 -$62 -4.7%
Connecticut $1,368 $36 2.7%
Delaware $1,506 $174 13.1%
Florida $1,666 $334 25.1%
Georgia $1,228 -$104 -7.8%
Hawaii $954 -$378 -28.4%
Idaho $904 -$428 -32.1%
Illinois $990 -$342 -25.7%
Indiana $1,004 -$328 -24.6%
Iowa $896 -$436 -32.7%
Kansas $1,264 -$68 -5.1%
Kentucky $1,816 $484 36.3%
Louisiana $1,970 $638 47.9%
Maine $822 -$510 -38.3%
Maryland $1,098 -$234 -17.6%
Massachusetts $1,064 -$268 -20.1%
Michigan $2,312 $980 73.6%
Minnesota $1,114 -$218 -16.4%
Mississippi $1,594 $262 19.7%
Missouri $1,180 -$152 -11.4%
Montana $1,430 $98 7.4%
Nebraska $1,050 -$282 -21.2%
Nevada $1,598 $266 20.0%
New Hampshire $960 -$372 -27.9%
New Jersey $1,488 $156 11.7%
New Mexico $1,178 -$154 -11.6%
New York $1,400 $68 5.1%
North Carolina $768 -$564 -42.3%
North Dakota $1,092 -$240 -18.0%
Ohio $918 -$414 -31.1%
Oklahoma $1,368 $36 2.7%
Oregon $1,220 -$112 -8.4%
Pennsylvania $1,268 -$64 -4.8%
Rhode Island $1,776 $444 33.3%
South Carolina $1,206 -$126 -9.5%
South Dakota $1,124 -$208 -15.6%
Tennessee $1,164 -$168 -12.6%
Texas $1,604 $272 20.4%
Utah $984 -$348 -26.1%
Vermont $910 -$422 -31.7%
Virginia $796 -$536 -40.2%
Washington $1,028 -$304 -22.8%
West Virginia $1,222 -$110 -8.3%
Wisconsin $920 -$412 -30.9%
Wyoming $1,186 -$146 -11.0%

View Chart as Image

Fiat 500X insurance rates by U.S. city

Choosing high deductibles could save up to $430 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $459 more per year. View Rates by Deductible or Liability Limit

Fiat 500X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Fiat 500X $268 $512 $440 $1,400
2022 Fiat 500X $256 $506 $450 $1,392
2021 Fiat 500X $248 $494 $470 $1,392
2020 Fiat 500X $240 $474 $486 $1,380
2019 Fiat 500X $226 $458 $500 $1,364
2018 Fiat 500X $218 $424 $510 $1,332
2017 Fiat 500X $208 $400 $514 $1,302
2016 Fiat 500X $200 $358 $520 $1,258

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 Find the Best Cheap Fiat 500X Insurance

Finding cheaper rates on insurance for a Fiat 500X not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Shop around at least every other year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the car insurance concepts presented in the illustrations above.

  • Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,570 more annually for auto insurance
  • You may be able to save approximately $160 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles can save approximately $425 each year
  • Insureds who want higher levels of liability will pay about $560 every year to go from a 30/60 limit to the 250/500 level

Rates by Driver Age

Fiat 500X Insurance Rates by Driver Age
Driver Age Premium
16 $5,242
20 $3,098
30 $1,370
40 $1,332
50 $1,222
60 $1,198

Full coverage, $500 deductibles

Rates by Deductible

Fiat 500X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,616
$250 $1,484
$500 $1,332
$1,000 $1,188

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500X Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,332
50/100 $1,434
100/300 $1,562
250/500 $1,893
100 CSL $1,485
300 CSL $1,766
500 CSL $1,970

Full coverage, driver age 40

Rates for High Risk Drivers

Fiat 500X Insurance Rates for High Risk Drivers
Age Premium
16 $7,440
20 $4,942
30 $2,938
40 $2,898
50 $2,772
60 $2,746

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.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $69
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $92
5-yr Claim Free $86
Paid in Full/EFT $56
Advance Quote $64
Online Quote $92
Total Discounts $554
Rate after discounts $778

Discounts are estimated and may not be available from every company or in every state.

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