Fiat 500X Insurance Rates
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Michelle Robbins
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UPDATED: Apr 7, 2024
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The average auto insurance rates for a Fiat 500X are $1,302 annually for full coverage. Comprehensive insurance costs an estimated $208 each year, collision insurance costs $400, and liability insurance costs around $514. Liability-only coverage costs as low as $572 a year, and high-risk coverage costs $2,834 or more. 16-year-old drivers cost the most to insure at up to $5,158 a year.
Average premium for full coverage: $1,302
Policy rates broken down by type of insurance:
These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and 500X models.
Price Range Variability
Using a 40-year-old driver as an example, Fiat 500X insurance rates range from as cheap as $572 for the bare minimum liability coverage to a high rate of $2,834 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than congested cities. The graphic below illustrates how rural and urban location affects insurance prices.
The examples above show why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on 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.
Additional Rate Information
The chart below shows average Fiat 500X insurance rates for other coverage scenarios.
- The best full coverage rate is $763
- Using higher $1,000 deductibles will save approximately $138 a year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,302
- Buying low deductibles for physical damage coverage costs an additional $270 a year
- Drivers with multiple tickets or accidents could pay up to $2,834
- Policy cost with full coverage for a teen driver can cost as much as $5,158 or more
Insurance rates for a Fiat 500X also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.
More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,100 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $410 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $462 more each year. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Fiat 500X insurance rates. A driver around age 40 might see rates 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% |
| 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 Buy Cheap Fiat 500X Insurance
Finding cheaper rates on Fiat 500X insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following items are a brief summary of the information raised in the charts and tables above.
- Drivers can save approximately $150 per year just by quoting online in advance
- 16 to 18-year-old drivers are expensive to insure, costing up to $430 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $400 each year
- High-risk drivers that tend to have accidents or serious violations may pay on average $1,530 more annually than a driver with a clean driving record
- Drivers who want additional liability coverage will pay around $570 each year to increase from a 30/60 limit to higher 250/500 limits
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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