Fiat 500X Insurance Rates

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UPDATED: Apr 7, 2024

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Estimated auto insurance rates for a Fiat 500X are $1,302 annually with full coverage. Comprehensive costs around $208 a year, collision insurance costs $400, and liability is $514. Liability-only coverage costs around $572 a year, and high-risk coverage costs around $2,834. Teen drivers pay the most at up to $5,158 a year.

Average premium for full coverage: $1,302

Premium estimates for type of coverage:

Comprehensive $208
Collision $400
Liability $514

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and 500X trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Fiat 500X range from as cheap as $572 for liability-only coverage to a high of $2,834 for a high-risk driver policy.

Liability Only $572
Full Coverage $1,302
High Risk $2,834

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

These rate differences demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, 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.

Additional Charts and Tables

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

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save about $1,164 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,302
  • Choosing low $100 deductibles will cost $1,572
  • Drivers with multiple violations and an at-fault accident could pay at least $2,834
  • An auto insurance policy with full coverage for a 16-year-old driver can be $5,158

View Chart as Image

Fiat 500X insurance cost comparison chart
Column chart showing Fiat 500X insurance rates range from $763 to $5,158 for full coverage

Insurance prices for a Fiat 500X also have a wide range based on the model of your 500X, your driving record, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $410 annually, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $462 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Fiat 500X insurance prices. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,760 on average in Florida, Michigan, and New York.

Fiat 500X Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,178 -$124 -9.5%
Alaska $998 -$304 -23.3%
Arizona $1,084 -$218 -16.7%
Arkansas $1,302 -$0 0.0%
California $1,484 $182 14.0%
Colorado $1,244 -$58 -4.5%
Connecticut $1,336 $34 2.6%
Delaware $1,474 $172 13.2%
Florida $1,630 $328 25.2%
Georgia $1,204 -$98 -7.5%
Hawaii $936 -$366 -28.1%
Idaho $882 -$420 -32.3%
Illinois $970 -$332 -25.5%
Indiana $984 -$318 -24.4%
Iowa $878 -$424 -32.6%
Kansas $1,236 -$66 -5.1%
Kentucky $1,776 $474 36.4%
Louisiana $1,930 $628 48.2%
Maine $804 -$498 -38.2%
Maryland $1,074 -$228 -17.5%
Massachusetts $1,040 -$262 -20.1%
Michigan $2,260 $958 73.6%
Minnesota $1,088 -$214 -16.4%
Mississippi $1,560 $258 19.8%
Missouri $1,154 -$148 -11.4%
Montana $1,400 $98 7.5%
Nebraska $1,026 -$276 -21.2%
Nevada $1,564 $262 20.1%
New Hampshire $938 -$364 -28.0%
New Jersey $1,458 $156 12.0%
New Mexico $1,152 -$150 -11.5%
New York $1,372 $70 5.4%
North Carolina $750 -$552 -42.4%
North Dakota $1,068 -$234 -18.0%
Ohio $900 -$402 -30.9%
Oklahoma $1,336 $34 2.6%
Oregon $1,194 -$108 -8.3%
Pennsylvania $1,242 -$60 -4.6%
Rhode Island $1,738 $436 33.5%
South Carolina $1,182 -$120 -9.2%
South Dakota $1,100 -$202 -15.5%
Tennessee $1,138 -$164 -12.6%
Texas $1,570 $268 20.6%
Utah $962 -$340 -26.1%
Vermont $892 -$410 -31.5%
Virginia $780 -$522 -40.1%
Washington $1,006 -$296 -22.7%
West Virginia $1,194 -$108 -8.3%
Wisconsin $900 -$402 -30.9%
Wyoming $1,160 -$142 -10.9%

View Chart as Image

Fiat 500X insurance rates by U.S. city
Fiat 500X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Fiat 500X $256 $506 $450 $1,392
2022 Fiat 500X $248 $494 $470 $1,392
2021 Fiat 500X $240 $474 $486 $1,380
2020 Fiat 500X $226 $458 $500 $1,364
2019 Fiat 500X $218 $424 $510 $1,332
2018 Fiat 500X $208 $400 $514 $1,302
2017 Fiat 500X $200 $358 $520 $1,258
2016 Fiat 500X $188 $330 $520 $1,218

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 Buy Cheap Fiat 500X Insurance

Finding better rates on insurance for a Fiat 500X consists of not taking risks behind the wheel, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Set aside time to compare rates every time your policy renews by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The following is a brief summary of the information covered above.

  • You may be able to save up to $150 per year just by quoting early and online
  • Teens pay higher prices, possibly costing $430 per month including comprehensive and collision insurance
  • Increasing policy deductibles could save up to $400 each year
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,530 more every year for 500X insurance
  • Insureds who may need higher liability limits will pay about $570 every year to raise from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Fiat 500X Insurance Rates by Driver Age
Driver Age Premium
16 $5,158
20 $3,028
30 $1,338
40 $1,302
50 $1,196
60 $1,174

Full coverage, $500 deductibles

Rates by Deductible

Fiat 500X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,446
$500 $1,302
$1,000 $1,164

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500X Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,302
50/100 $1,405
100/300 $1,533
250/500 $1,867
100 CSL $1,456
300 CSL $1,739
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Fiat 500X Insurance Rates for High Risk Drivers
Age Premium
16 $7,310
20 $4,834
30 $2,872
40 $2,834
50 $2,710
60 $2,686

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $71
Homeowner $22
5-yr Accident Free $89
5-yr Claim Free $84
Paid in Full/EFT $54
Advance Quote $62
Online Quote $90
Total Discounts $539
Rate after discounts $763

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

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