Fiat 500X Insurance Rates
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UPDATED: Apr 7, 2024
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The average insurance prices for a Fiat 500X are $1,302 every 12 months including full coverage. Comprehensive costs around $208, collision insurance costs $400, and liability costs around $514. Liability-only coverage costs as low as $572 a year, and high-risk coverage costs around $2,834. Teens cost the most to insure at up to $5,158 a year.
Average premium for full coverage: $1,302
Policy rates for type of insurance:
Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all 500X models.
Price Range Variability
For a driver around age 40, Fiat 500X insurance rates range from the cheapest price of $572 for the bare minimum liability coverage to the much higher price of $2,834 for a driver who has had serious violations or accidents.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above highlight why everyone should compare prices for a specific zip code and their own driving history, instead of making a decision based on averaged prices.
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 average Fiat 500X insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $763
- Using higher $1,000 deductibles will save about $138 every year
- The average price for a good driver age 40 using $500 deductibles is $1,302
- Selecting pricier low deductibles for physical damage coverage increases the price to $1,572
- High-risk insureds with serious driving violations could pay at least $2,834
- Policy cost to insure a 16-year-old driver for full coverage can be $5,158 or more
Insurance rates for a Fiat 500X also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $410 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $5,100 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional every year, depending on your age. Fiat 500X insurance for high-risk drivers can be from 43% to 136% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Fiat 500X insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,860 on average in Michigan, New York, and Louisiana.
| 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% |
| 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 Shop for Affordable Fiat 500X Insurance
Finding cheaper rates on insurance for a Fiat 500X requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.
Below is a brief review of the ideas that were covered above.
- Teenage drivers are charged the highest rates, with premiums being up to $430 each month if full coverage is included
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,530 more every year for auto insurance
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,572 |
| $250 | $1,446 |
| $500 | $1,302 |
| $1,000 | $1,164 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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