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: Jun 6, 2023

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Estimated insurance rates for a Fiat 500X are $1,258 a year for full coverage insurance. Comprehensive insurance costs an estimated $200 each year, collision costs $358, and liability insurance 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 pay the most at $5,006 a year or more.

Average premium for full coverage: $1,258

Premium estimates broken down by type of coverage:

Comprehensive $200
Collision $358
Liability $520

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and 500X models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Fiat 500X go from as low as $576 for a discount liability-only rate to a high rate of $2,730 for a driver who has had serious violations or accidents.

Liability Only $576
Full Coverage $1,258
High Risk $2,730

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than congested cities.

The graphic below illustrates how geographic area affects insurance prices.

Rural Areas $944
Small Cities $1,321
Large Cities $1,698

These rate differences illustrate why all drivers should compare prices for a targeted area and risk profile, rather than relying 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.

Rates by State, City, and Model

The chart below illustrates estimated Fiat 500X insurance rates for other coverage scenarios.

  • The best full coverage rate is $744
  • Using higher $1,000 deductibles will save approximately $126 each year
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,258
  • Buying low deductibles for physical damage coverage will cost an extra $246 a year
  • Drivers with multiple tickets or accidents could pay up to $2,730 or more
  • An auto insurance policy for full coverage for a teen driver can cost as much as $5,006 or more

View Chart as Image

Fiat 500X insurance cost comparison chart
Column chart showing full coverage Fiat 500X insurance prices range from $744 to $5,006

Auto insurance prices for a Fiat 500X also have a wide range based on your driving characteristics, the model year and trim level, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Fiat 500X insurance rates. A driver around age 40 might see prices as low as $820 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,700 on average in Florida, New York, and Michigan.

Fiat 500X Insurance Rates by State
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%

View Chart as Image

Fiat 500X insurance rates by U.S. city

Opting for high physical damage deductibles could cut prices by as much as $380 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 133% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices will be substantially different from one company to the next.

Fiat 500X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
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 Fiat 500X Insurance

Finding better rates on Fiat 500X insurance requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the ideas that were presented in the illustrations above.

  • Youthful drivers are the costliest to insure, with premiums being up to $417 per month if they have full coverage
  • High-risk drivers who tend to receive serious violations pay on average $1,470 more annually than a low-risk driver
  • Increasing policy deductibles can save around $375 each year
  • It is possible to save approximately $150 per year simply by quoting online in advance

Rates by Driver Age

Fiat 500X Insurance 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

Fiat 500X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,504
$250 $1,390
$500 $1,258
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500X Insurance Rates with Different Liability Limits
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

Fiat 500X Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $744

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

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