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 $1,302 every 12 months including full coverage. Comprehensive insurance costs approximately $208 a year, collision insurance costs $400, and liability insurance costs $514. Buying just liability costs as little as $572 a year, and insurance for high-risk drivers costs $2,834 or more. Teens cost the most to insure at up to $5,158 a year.
Average premium for full coverage: $1,302
Policy rates by type of insurance:
Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and 500X trim levels.
Price Range Variability
For the average driver, Fiat 500X insurance rates range from the cheapest price of $572 for basic liability insurance to a high of $2,834 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.
The examples above highlight why it is important to compare rates using their specific location and their own driving history, rather than relying 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.
Rate Comparisons
The chart below breaks down average Fiat 500X insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $763
- Drivers who choose higher $1,000 deductibles will pay $1,164 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,302
- Selecting low $100 deductibles for comprehensive and collision insurance costs an extra $270 a year
- High risk drivers with serious driving violations could pay around $2,834
- Policy cost to insure a teen driver can cost $5,158 a year
Insurance rates for a Fiat 500X also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your 500X.
Choosing higher comprehensive and collision insurance deductibles could save up to $410 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $462 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $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 anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates
Your home state makes a big difference in Fiat 500X insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,860 on average in Louisiana, New York, and Michigan.
| 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 the Right Fiat 500X Insurance
Finding cheaper rates on Fiat 500X insurance not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Spend time shopping around every time your policy renews by requesting rates from direct car insurance companies, and also from your local car insurance providers.
The following list is a quick rundown of the information touched on above.
- You may be able to save around $150 per year just by quoting early and online
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $430 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save as much as $400 each year
- High-risk drivers with reckless driving or DUI convictions could be charged and average of $1,530 more per year than a safer driver
- Drivers who purchase an increased level of liability coverage will pay approximately $570 per year to go from a 30/60 limit to a 250/500 level
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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