Fiat 500X Insurance Rates

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UPDATED: Apr 7, 2024

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U.S. average insurance prices for a Fiat 500X are $1,302 every 12 months including full coverage. Comprehensive insurance costs on average $208 each year, collision insurance costs $400, and liability is $514. A policy with just liability insurance costs around $572 a year, and coverage for high-risk drivers costs $2,834 or more. Teen drivers pay the highest rates at up to $5,158 a year.

Average premium for full coverage: $1,302

Price estimates by individual coverage:

Comprehensive $208
Collision $400
Liability $514

Prices are based on $500 deductible amounts, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and 500X models.

Price Range from Low to High

For the normal driver, Fiat 500X insurance prices range from the cheapest price of $572 for the bare minimum liability coverage to a high rate of $2,834 for a policy for a high-risk driver.

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

Geographic Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects car insurance rates.

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

The ranges above highlight why all drivers should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on price 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 breaks down average Fiat 500X insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $763
  • Raising to $1,000 deductibles will save around $138 every year
  • The average price for the average middle-age driver with $500 deductibles is $1,302
  • Choosing low deductibles costs an extra $270 annually
  • Drivers with multiple violations and an at-fault accident could pay upwards of $2,834
  • The price to insure a 16-year-old driver may cost $5,158

View Chart as Image

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

Insurance prices for a Fiat 500X are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your 500X.

Choosing high deductibles can reduce prices by up to $410 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $462 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 136% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Fiat 500X insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,860 on average in Michigan, New York, and Louisiana.

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
Fiat 500X Insurance Rates by Model Year
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 Affordable Fiat 500X Insurance

Getting lower rates on insurance for a Fiat 500X consists of having a good driving record, having good credit, being claim-free, and determing if full coverage is necessary. Invest the time to compare rates every year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief review of the coverage data presented in the illustrations above.

  • You may be able to save as much as $150 per year just by quoting online in advance
  • Increasing physical damage deductibles could save as much as $400 each year
  • Drivers age 20 and younger pay the highest prices, possibly costing $430 a month if they have full coverage
  • Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,530 more each year to buy Fiat 500X insurance

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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