Fiat 500X Insurance Rates

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UPDATED: Apr 7, 2024

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U.S. average insurance rates for a Fiat 500X are $1,302 a year including full coverage. Comprehensive insurance costs around $208, collision insurance costs $400, and liability coverage costs $514. A policy with just liability insurance costs as little as $572 a year, and coverage for high-risk drivers costs $2,834 or more. Teen drivers pay the highest rates at up to $5,158 a year.

Average premium for full coverage: $1,302

Price estimates for individual coverage:

Comprehensive $208
Collision $400
Liability $514

Includes $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all 500X models.

Price Range from Low to High

For the average driver, Fiat 500X insurance prices range from the low end price of $572 for liability-only coverage to the much higher price of $2,834 for a driver required to buy high-risk insurance.

Liability Only $572
Full Coverage $1,302
High Risk $2,834

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts auto insurance rates.

Rural Areas $977
Small Cities $1,367
Large Cities $1,758

The ranges above highlight why everyone should compare rates for a specific zip code, rather than using 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.

Additional Charts and Tables

The chart below breaks down average Fiat 500X insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $763
  • Drivers who choose higher $1,000 deductibles will pay about $138 every year
  • The estimated price for the average middle-age driver using $500 deductibles is $1,302
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $270 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $2,834
  • The price that insures a teenage driver for full coverage can be $5,158 a year

View Chart as Image

Fiat 500X insurance cost comparison chart
Column chart showing Fiat 500X insurance prices range from $763 to $5,158 for full coverage

Insurance prices for a Fiat 500X are also quite variable based on the model of your 500X, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,600 to $2,200 extra each year, depending on your age. Fiat 500X insurance for high-risk drivers can cost around 43% to 136% more than average. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age

The state you live in 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 Missouri, New Hampshire, and Vermont, or as much as $1,860 on average in Michigan, New York, and Louisiana.

Fiat 500X Insurance Rates by State
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%

View Chart as Image

Fiat 500X insurance rates by U.S. city

Choosing high deductibles could save up to $410 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

Fiat 500X Insurance Rates by Model Year
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 Find the Cheapest Fiat 500X Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Shop around at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a recap of the data touched on above.

  • Consumers who may need an increased level of liability coverage will pay about $570 per year to go from a low limit to the 250/500 level
  • You may be able to save up to $150 per year just by quoting online well ahead of the renewal date
  • Increasing physical damage deductibles can save approximately $400 each year
  • Drivers age 16 to 20 pay higher prices, possibly costing $430 a month if full coverage is included

Rates by Driver Age

Fiat 500X Insurance 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

Fiat 500X Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,572
$250 $1,446
$500 $1,302
$1,000 $1,164

Full coverage, driver age 40

Rates by Liability Limit

Fiat 500X Insurance Rates with Different Liability Limits
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

Fiat 500X Insurance 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.

SR-22 Surcharge $183

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
Rate after discounts $763

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

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