Fiat 500X Insurance Rates
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UPDATED: Apr 7, 2024
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Average insurance rates for a Fiat 500X are $1,332 a year with full coverage. Comprehensive insurance costs on average $218 each year, collision insurance costs $424, and liability insurance costs around $510. Buying just liability costs as low as $568 a year, and insurance for high-risk drivers costs $2,898 or more. 16-year-old drivers receive the highest rates at up to $5,242 a year.
Average premium for full coverage: $1,332
Rate estimates by individual coverage type:
Prices include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and 500X models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $568 for just the minimum liability insurance to a high rate of $2,898 for a policy for a high-risk driver.
Price Range by Location
Where you live has a significant impact on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than congested cities. The graphic below illustrates how where you live affects car insurance rates.
These examples demonstrate why all drivers should compare prices based on a specific location and risk profile, 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 Analysis
The chart below details average Fiat 500X insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $778
- Using higher $1,000 deductibles will save around $144 annually
- The average rate for a 40-year-old driver with $500 deductibles is $1,332
- Buying low deductibles for physical damage coverage will cost an extra $284 a year
- Drivers with multiple tickets or accidents could pay upwards of $2,898
- The cost for full coverage for a teen driver may cost $5,242 or more
Auto insurance rates for a Fiat 500X can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with a good driving record and high deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age
Where you live has a huge impact on Fiat 500X insurance rates. A driver around age 40 might see rates as low as $960 a year in states like New Hampshire, Ohio, and Utah, or at least $1,800 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,202 | -$130 | -9.8% |
| Alaska | $1,020 | -$312 | -23.4% |
| Arizona | $1,106 | -$226 | -17.0% |
| Arkansas | $1,332 | -$0 | 0.0% |
| California | $1,518 | $186 | 14.0% |
| Colorado | $1,270 | -$62 | -4.7% |
| Connecticut | $1,368 | $36 | 2.7% |
| Delaware | $1,506 | $174 | 13.1% |
| Florida | $1,666 | $334 | 25.1% |
| Georgia | $1,228 | -$104 | -7.8% |
| Hawaii | $954 | -$378 | -28.4% |
| Idaho | $904 | -$428 | -32.1% |
| Illinois | $990 | -$342 | -25.7% |
| Indiana | $1,004 | -$328 | -24.6% |
| Iowa | $896 | -$436 | -32.7% |
| Kansas | $1,264 | -$68 | -5.1% |
| Kentucky | $1,816 | $484 | 36.3% |
| Louisiana | $1,970 | $638 | 47.9% |
| Maine | $822 | -$510 | -38.3% |
| Maryland | $1,098 | -$234 | -17.6% |
| Massachusetts | $1,064 | -$268 | -20.1% |
| Michigan | $2,312 | $980 | 73.6% |
| Minnesota | $1,114 | -$218 | -16.4% |
| Mississippi | $1,594 | $262 | 19.7% |
| Missouri | $1,180 | -$152 | -11.4% |
| Montana | $1,430 | $98 | 7.4% |
| Nebraska | $1,050 | -$282 | -21.2% |
| Nevada | $1,598 | $266 | 20.0% |
| New Hampshire | $960 | -$372 | -27.9% |
| New Jersey | $1,488 | $156 | 11.7% |
| New Mexico | $1,178 | -$154 | -11.6% |
| New York | $1,400 | $68 | 5.1% |
| North Carolina | $768 | -$564 | -42.3% |
| North Dakota | $1,092 | -$240 | -18.0% |
| Ohio | $918 | -$414 | -31.1% |
| Oklahoma | $1,368 | $36 | 2.7% |
| Oregon | $1,220 | -$112 | -8.4% |
| Pennsylvania | $1,268 | -$64 | -4.8% |
| Rhode Island | $1,776 | $444 | 33.3% |
| South Carolina | $1,206 | -$126 | -9.5% |
| South Dakota | $1,124 | -$208 | -15.6% |
| Tennessee | $1,164 | -$168 | -12.6% |
| Texas | $1,604 | $272 | 20.4% |
| Utah | $984 | -$348 | -26.1% |
| Vermont | $910 | -$422 | -31.7% |
| Virginia | $796 | -$536 | -40.2% |
| Washington | $1,028 | -$304 | -22.8% |
| West Virginia | $1,222 | -$110 | -8.3% |
| Wisconsin | $920 | -$412 | -30.9% |
| Wyoming | $1,186 | -$146 | -11.0% |
Opting for high physical damage deductibles could cut rates by as much as $430 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $459 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 134% more than the average rate. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Fiat 500X | $268 | $512 | $440 | $1,400 |
| 2022 Fiat 500X | $256 | $506 | $450 | $1,392 |
| 2021 Fiat 500X | $248 | $494 | $470 | $1,392 |
| 2020 Fiat 500X | $240 | $474 | $486 | $1,380 |
| 2019 Fiat 500X | $226 | $458 | $500 | $1,364 |
| 2018 Fiat 500X | $218 | $424 | $510 | $1,332 |
| 2017 Fiat 500X | $208 | $400 | $514 | $1,302 |
| 2016 Fiat 500X | $200 | $358 | $520 | $1,258 |
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
Saving money on Fiat 500X insurance requires being a good driver, having good credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every year by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.
The following list is a quick rundown of the coverage data touched on in the above illustrations.
- You may be able to save as much as $160 per year just by quoting online in advance
- Increasing deductibles can save around $425 each year
- Drivers age 16 to 20 are charged the highest rates, with premiums as much as $437 per month if they have full coverage
- High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,570 more each year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,242 |
| 20 | $3,098 |
| 30 | $1,370 |
| 40 | $1,332 |
| 50 | $1,222 |
| 60 | $1,198 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,616 |
| $250 | $1,484 |
| $500 | $1,332 |
| $1,000 | $1,188 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,332 |
| 50/100 | $1,434 |
| 100/300 | $1,562 |
| 250/500 | $1,893 |
| 100 CSL | $1,485 |
| 300 CSL | $1,766 |
| 500 CSL | $1,970 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,440 |
| 20 | $4,942 |
| 30 | $2,938 |
| 40 | $2,898 |
| 50 | $2,772 |
| 60 | $2,746 |
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 | $69 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $56 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $554 |
Discounts are estimated and may not be available from every company or in every state.
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