Fiat 500X Insurance Rates
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Michelle Robbins
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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...
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UPDATED: Apr 7, 2024
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The average insurance prices for a Fiat 500X are $1,258 every 12 months including full coverage. Comprehensive insurance costs an estimated $200 a year, collision insurance costs $358, and liability is estimated at $520. A liability-only policy costs approximately $576 a year, and high-risk insurance costs $2,730 or more. Teen drivers cost the most to insure at up to $5,006 a year.
Average premium for full coverage: $1,258
Policy rates broken down by type of insurance:
Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and 500X trim levels.
Price Range Variability
For the normal driver, Fiat 500X insurance rates range from the cheapest price of $576 for just liability insurance to a high of $2,730 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects insurance prices.
The examples above highlight why it is important to get quotes for a targeted area and their own driving history, 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.
More Rate Details
The chart below breaks down average Fiat 500X insurance rates for other coverage scenarios.
- The lowest rate with discounts is $744
- Choosing higher $1,000 deductibles can save approximately $1,132 every year
- The average price for a good driver age 40 who has $500 deductibles is $1,258
- Choosing low $100 deductibles for comp and collision coverage costs an extra $246 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,730
- Policy cost to insure a 16-year-old driver can cost as much as $5,006 each year
Car insurance rates for a Fiat 500X also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.
Choosing high deductibles can save as much as $380 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged at least $5,000 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 $1,500 to $2,100 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 133% more than average. View High Risk Driver Rates
Your home state plays a big part in determining prices for Fiat 500X insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,790 on average in Louisiana, New York, and Michigan.
| 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% |
| 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 Affordable Fiat 500X Insurance
Finding cheaper rates on insurance for a Fiat 500X takes having a decent driving record, maintaining a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.
The following items are a brief review of the data presented in the illustrations above.
- Insureds who want additional liability coverage will pay about $570 per year to raise limits from a 30/60 limit to a 250/500 level
- You may be able to save approximately $150 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $417 each month if the policy includes full coverage
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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