Fiat 500X Insurance Rates
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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:
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.
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.
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
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.
| 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% |
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.
| 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
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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