Fiat 500X Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 11, 2022

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Estimated insurance rates for a Fiat 500X are $1,302 a year with full coverage. Comprehensive insurance costs on average $208 each year, collision costs $400, and liability insurance is $514. A policy with only liability insurance costs around $572 a year, with a high-risk policy costing $2,834 or more. Teens pay the most at $5,158 a year or more.

Average premium for full coverage: $1,302

Premium estimates by type of coverage:

Comprehensive $208
Collision $400
Liability $514

Prices include $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and 500X models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Fiat 500X go from as low as $572 for minimum levels of liability insurance to a high rate of $2,834 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects car insurance rates.

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

These rate differences demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, 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.

Additional Rate Details

The chart below details estimated Fiat 500X insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $763
  • Raising to $1,000 deductibles will save around $138 annually
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,302
  • Selecting low deductibles will cost an extra $270 a year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,834 or more
  • An auto insurance policy for full coverage for a teen driver may cost $5,158

View Chart as Image

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

Car insurance prices for a Fiat 500X also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $5,100 a year. View Rates by Age

Where you choose to live also has a big influence on Fiat 500X insurance rates. A middle-age driver might find prices as low as $940 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,760 on average in Florida, Michigan, and New York.

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 higher comprehensive and collision insurance deductibles can reduce prices by up to $410 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $462 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes will be substantially different from one company to the next.

Fiat 500X Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Fiat 500X $208 $400 $514 $1,302

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 Right Fiat 500X Insurance

Finding better rates on Fiat 500X insurance consists of having a good driving record, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The next list is a quick rundown of the primary concepts that were touched on in the above illustrations.

  • You may be able to save as much as $150 per year simply by quoting online in advance
  • High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,530 more each year to buy Fiat 500X insurance
  • Increasing policy deductibles can save around $400 each year
  • Drivers age 20 and younger are expensive to insure, possibly costing $430 per 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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