Fiat 500X Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 7, 2024
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The average insurance prices for a Fiat 500X are $1,258 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $200, 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. Teenage drivers cost the most to insure at up to $5,006 a year.
Average premium for full coverage: $1,258
Policy rates by type of insurance:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all 500X models.
Price Range Variability
For a 40-year-old driver, Fiat 500X insurance rates range from the cheapest price of $576 for the bare minimum liability coverage to the much higher price of $2,730 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.
The examples above illustrate why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.
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 illustrates average Fiat 500X insurance rates for additional coverage and risk scenarios.
- The best discount rate is $744
- Choosing higher $1,000 deductibles can save $126 each year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,258
- Using pricier low deductibles for comp and collision coverage costs an extra $246 annually
- Higher-risk drivers who are prone to accidents and violations could pay around $2,730
- Policy cost to insure a 16-year-old driver for full coverage can cost $5,006 each year
Car insurance rates for a Fiat 500X also range considerably based on liability limits and deductibles, your risk profile, and the model of your 500X.
Using high physical damage deductibles can save as much as $380 annually, whereas buying more liability protection will push rates upward. Switching 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
A more mature driver 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 much higher for teenagers, since even excellent drivers will be charged in the ballpark of $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 probably paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Fiat 500X insurance for high-risk drivers ranges from 42% to 133% more than a normal policy. 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 $820 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,700 on average in Florida, 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 the Best Cheap Fiat 500X Insurance
Finding cheaper rates on insurance for a Fiat 500X takes avoiding accidents and violations, maintaining a good credit score, being claim-free, and attention to physical damage deductibles. Invest the time to shop around every year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The list below is a quick review of the coverage data illustrated above.
- It is possible to save around $150 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $375 each year
- Teenagers pay the highest auto insurance rates, possibly costing $417 each month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,470 more per year for car insurance
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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