Fiat 500X Insurance Rates
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UPDATED: Apr 7, 2024
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Average insurance prices for a Fiat 500X are $1,302 every 12 months for full coverage. Comprehensive costs approximately $208 a year, collision costs $400, and liability coverage is estimated at $514. A policy with just liability insurance costs approximately $572 a year, with coverage for high-risk drivers costing around $2,834. 16-year-old drivers receive the highest rates at $5,158 a year or more.
Average premium for full coverage: $1,302
Rate estimates by individual coverage type:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and 500X trim levels.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $572 for a discount liability-only rate to a high of $2,834 for high-risk insurance.
Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.
The diagram below illustrates how location impacts auto insurance prices.
These examples show why it is important to get quotes using their specific location and their own driving history, rather than using rate 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.
Rates by State, City, and Model
The chart below shows estimated Fiat 500X insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $763
- Choosing higher $1,000 deductibles can save $1,164 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,302
- Buying low $100 deductibles for comp and collision coverage increases the price to $1,572
- Drivers with multiple tickets or accidents could pay around $2,834 or more
- The cost to insure a teenage driver can cost $5,158 each year
Insurance rates for a Fiat 500X can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your 500X.
Opting for high physical damage deductibles can save as much as $410 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $462 more each year. View Rates by Deductible or Liability Limit
Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges around 43% to 136% more than the average rate. View High Risk Driver Rates
Where you live plays a big part in determining prices for Fiat 500X insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,860 on average in New York, Louisiana, 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, and rates can be significantly different.
| 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 More Affordable Fiat 500X Insurance
Saving money on auto insurance takes being a good driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Spend time shopping around every couple of years by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a summary of the material that was touched on above.
- Consumers who purchase an increased level of liability coverage will pay around $570 each year to raise limits from a minimum limit to a 250/500 level
- Drivers age 16 to 20 are the costliest to insure, costing as high as $430 per month if full coverage is included
- Drivers who have multiple accidents or major violations may pay on average $1,530 more per year than a safer driver
- Increasing deductibles could save as much as $400 each year
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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