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 with full coverage. Comprehensive insurance costs on average $208, collision costs $400, and liability costs around $514. Buying just liability costs as low as $572 a year, with insurance for high-risk drivers costing $2,834 or more. 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 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different 500X trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the cheapest price of $572 for just liability coverage to a much higher rate of $2,834 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than congested cities.
The price range example below illustrates how rural and urban location affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of 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.
Detailed Rate Analysis
The chart below details estimated Fiat 500X insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $763
- Using higher $1,000 deductibles will save around $138 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,302
- Buying more expensive low deductibles for physical damage coverage costs an extra $270 every year
- Drivers with multiple tickets or accidents could pay upwards of $2,834 or more
- The cost to insure a teen driver with full coverage may cost $5,158 or more
Auto insurance rates for a Fiat 500X can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your 500X.
Opting for high physical damage deductibles could cut rates by as much as $410 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $462 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 43% to 136% more than the average rate. View High Risk Driver Rates
Where you live has a huge impact on Fiat 500X insurance prices. A driver around age 40 might see rates as low as $940 a year in states like New Hampshire, Ohio, and Utah, or at least $1,760 on average in Florida, Michigan, and New York.
| 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 best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted 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 car insurance requires avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a summary of the data that was raised in the charts and tables above.
- You may be able to save as much as $150 per year simply by shopping early and online
- Policyholders who require higher liability limits will pay around $570 every year to increase from a minimum limit to a 250/500 level
- Teenagers are charged the highest rates, with premiums as much as $430 per month if comprehensive and collision insurance is included
- Higher risk drivers who have multiple accidents or major violations may pay on average $1,530 more each year for car insurance
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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